First, you mean to transfer the mortgage to your relative's name and let him continue to pay the house. This is called refinancing.

Second, since 2008, banks have stopped accepting refinancing business, so you can't handle this situation at present.

Third, in view of your financial pressure, you can resell the house to relatives or borrow some money from relatives to turn around first.

Fourth, you haven't paid your mortgage for two months. You should pay attention to the bank. If you don't repay for three consecutive months, the bank will seriously inform you. If you don't pay it back in six months, the bank will seal up your house, auction your house in eight months and arrest people in one year.