<prompt> Human: I bought my first house in September of 2015. Since then, I get letters every week from various companies that talk about reducing my loan.I have an FHA loan and have mortgage insurance I need to pay until Im 20 vested.These letters say they can get rid of mortgage insurance or streamline things.Right now my mortgage is through US Bank.These companies sending me letters include - Global Equity Finance, INC - New American Funding - Others but Ive thrown away lettersIs this all junk crap or is it actually worth looking into? In my experience thing that seem too good to be true usually are - but if I could save a few hundred a month that can be a lot over the duration of the loan.  <response>: I use these letters to start my fireplace. This helps warm the house so the furnace runs less often. So in the end, they do save me some money. 