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Because your removing your uncle true she would need to qualify as a rate and term refinance. You guys are in a tough spot.
What type of loan does your sister have now? Is it a conventional loan or an FHA?How long have you been at your full time employment?
Some loans allow for assumptions and some loans do not. If the current servicer says that you can do an assumption (Wells I presume), then it must be the type of loan that allows this. You are correct about not needing two years employment history if coming out of college and working in your field of study. Other than that they will look at your credit history.Good Luck!
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