Please be very aware of scams. Thank you for checking with us on Trulia.
If you have questions, please write directly to me at my email below. I just happened to notice that you replied. I don't get notified of replies to the post.
From the information you provided, it's obvious that this is a bogus post. No lender will allow another party to simply "take over the mortgage payments," as if it were a used car. You were wise to seek advice from professionals before plunging into a deal that's obviously too good to be true. Glad we could help. If you need assistance locating a home that will work for you, please feel free to contact me.