(a) A transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety;
(b) The granting of a leasehold interest of three years or less not containing an option to purchase;
(c) A transfer to a relative resulting from the death of a borrower;
(d) A transfer where the spouse or children of the borrower become an owner of the property;
(e) A transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; or
(f) A transfer into an inter-vivos trust in which the borrower is and remains a beneficiary and that does not relate to a transfer of rights of occupancy in the property.
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