I have a question regarding a quit claim deed.

I want to remove someone from the title. They have agreed to do so, however, I am worried about activating the due-on-sale clause. I am not planning on selling or refinancing in the near future.

I have two options:

1) Record the quit claim deed and risk the fact they will not call the loan.
2) Retain the quit claim deed and only record it when I need to (thus, is there a statue of limitations on recording the form??).

I want to know if anyone has had a loan called and what is the likelihood of this occurring? Most people I have spoken to have said that they won't do it unless I become late on my payments. What do you think? Thanks!