The lender who originated the loan has nothing to do with this tax credit, it is an issue between you and the IRS. The other part of your question, having to do with your wife buying under her name alone, is one that can be answered on here. She would have to qualify for the new purchase on her own if you are planning to take out a mortgage on the property.
There is one other thing you have to keep in mind, besides the fact that it seems like you are trying to circumvent IRS policy on this issue, if you are filing taxes as a married couple, which address do you use? Also, will the IRS consider that you are doing something fraudulent when you do what you say you are doing? You can check the guidelines on the IRS website. I did this recently for a client who purchase a co-op apartment and received the credit, has since married and had a child, and wants to buy another home.