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House loan and title without living in the property?

Hello guys, I really need some help on this.

So, originally I was going to move in with my parents to this new house that my parents are still waiting to have it finish closing (papers and all). So I decided to change my mind and stay in the northern VA area since this is where the jobs are and I have few options for colleges.

However, my mom wanted to transfer the loan to my name eventually (long story). Do I have to physically live in the house to have the loan and title transferred to me? This is for the state of Maryland btw. If I do, is there any way around this like a power of attorney or something since the house isn’t for commercial use it’s just my parents will be living there but I won’t.

Thank you to anyone who can add some enlighten on this :)

submitted by /u/bluestops
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source https://www.reddit.com/r/RealEstate/comments/ckfrqm/house_loan_and_title_without_living_in_the/
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