You have some good advice hear.
My strongest suggestion is to get the facts BEFORE you do anything. And yes, that includes contacting the lender.
In the short term as long as you keep making the mortgage payments, you should be okay. However, in the long term, you need to establish your name as the owner. One possibility is to ask the lender for a loan modification, only changing your name. You would have to re-qualify...prove that you can pay the mortgage.