Assuming a Home Mortgage

[Bailey Mason]

Hello, I'm trying to buy a property to flip, and I've run into a roadblock.  The owner wants to sell to me, and I'd like to assume her mortgage.  Here's the scenario:  she has 160k remaining balance, and she also has a 30k "Hardest Hit Fund" loan on the house.  She is behind 3 months on her mortgage, so the mortgage company will not send an "assumption package" to even begin the process of signing it over to us.  She does not have the money to get it current.  Any advice?