<<Disclaimer: Verify this information before applying it to your situation.>>

Dear Listmembers,
  Here are the replies that I got concerning lactose free substitutes for
condensed milk.  I have not tried any and you'll have to check out the GF
status of any of them, as I do not know.
Use Lactolase, Put in pot. Set flame to Medium. Stir quite a bit until it
boils down.

Several people have used coconut milk successfully.  If anyone knows of one
that is GF, plese let me know and I'll post it.

Recipe using DariFree:
3/4 cup sugar
1/2 cup warm water
1 cup plus 2 tablesponns powdered milk or DariFree

Combine. Heat to boiling.  Cook until thick, 15-20  minutes.  This should
equal a can of condensed milk.

One person said that Hispanic stores carry milkfree condensed milk
substitute, a white label with a parrot on it.

Here are the replies concerning lactose free cream cheese substitutes:
Tofutti cream cheese
Soya Kaas soy cream cheese
Silky Tofu
MoriNu Tofu
Again, I haven't tried these and cannot confirm their GF status.
Karen from Central NY, USA