yep what a deal, I too Col. pay my mortgage and all other bills on time and always have.... But if I want my mortgage interest rate to be dropped big time....Then all I got to do is stop paying my mortgage payments for so long and then let the people step in and take care of my problem. They will refinance my home at a lower interest rate. Plus look at all the money I just saved by not making the payments while all this has taken place.....Yep seems like the thing for me to do...Might as well cash in on the Package like everyone who bought above their means......