First off a lender will not discuss anything with anyone regarding the loan the lender has in place with the landlord. The exception is that the lender would have to receive written authorization from the homeowner to discuss the loan with another party. There is proper procedure for that. I think that if the tenant did what you are recommending, the tenant could actually incur some sort of liability so I disagree strongly with that advice.
If the tenant is distressed with the situation the best thing to do is to contact a real estate attorney and get sound legal advice.
I can tell you what I believe the most probable outcome will be. To save the most time and money, move out asap. Try to get the deposit back as soon as possible. The landlord must return the deposit less expenses in a very short period of time after you leave, I believe the max is 15 days after you leave. Make sure you give 30 days written notice.
