Was contacted by my own mortgage co. and they say I qualify for a new programthat will lower my interest rate from a 4.5 to a 3.37. The original loan was for 30 years and 86,000 but I have been paying for about 15 years and owe 49,000 on the original loan. I have about 15 years remaining on the loan and my payment is $377.00 a month. They say at no cost to me they can modify the loan so it will be paid off in 12 years at a payment of 416.00 a month. I am skeptical and afraid that there is something hidden here that is a negative. They say that they are receiving federal money under the harp program for these kind of refinancing but I thought those programs were for house that were upside down and having financial difficulties which is not the case here.Just wondering what's up with this.October 31 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.