Trading houses creates host of problems

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DEAR BENNY: My daughter and her husband are thinking about trading houses with a friend. They own a townhouse and their friend owns a larger home. I don't know all the particulars, but I believe they are thinking about keeping their own mortgages and just switching where they live. I have asked my daughter to contact a lawyer to have everything on the up and up. Have you ever heard of such a thing? I think there are many risks. What advice would you give her if you were me? --Barbara DEAR BARBARA: You are quite correct; there are many risks. First, when you say "switching houses," will they actually change the title or just live in the other house? If they change title, their respective lenders may decide to call the loans based on the "due on sale" clauses, which I suspect are in the loan documents for both houses. Second, are they going to adjust the mortgage payments? Your daughter will now be living in a larger house. If I were their friend, I certa...