The lease was recorded with the county but has no terms in it stating that lease transfers with a property sale.  

Can I create an LLC and transfer the house to the LLC without changing my current mortgage rate?

This keeps the money in your family but transfers it to the real estate holding company. 

 Do you recommend I buy a house in my government name and then transfer the title to my business or just buy in my business name from the jump ?

The main challenge was ensuring a seamless transaction, which required precise coordination and efficient execution.

So if you think you can fly under the radar by not transferring the deed, then how do you get insurance in your name? 

Banks all state payments transferred within 24-48 hours, but reality is unless you both have same bank, it's 3-5 business days.2) Via BillPay check-You just need their name and mailing address.

@John McGuire, while this is ultimately a question for both an attorney (are you actually creating any real protection by holding in an LLC) and a thorough review of your actual mortgage agreement regarding transfer of ownership, I will say two things:Typically, services don't care if you transfer ownership with your mortgage.  

When you sell the house the buyers financing or cash deal will cover your debts via title transfer 

We learned the importance of precise budgeting, as managing $30,000 in renovations required careful oversight.