<prompt> Human: Hi all. I just received an email from my own mortgage company which reads:Hello Mr. Miller,After a brief review it appears that your loan qualifies for a potential restructure!! My overall goal is simply to see if we can lower your rate and payment. Also, since you are part of the family we will NOT charge you 1 penny in Underwriting, or Application, or Credit report fees like all other Lenders will.This is done by a streamline process, which means no need for credit to be issued, no income documents needed, and we can typically get everything settled for you in just a few weeks! The best part about this, is you may even be able to skip a months mortgage payment!Would you like to take advantage of a lower rate on your mortgage? Usually I ignore these when they are from other companies, but why would my own mortgage company be doing this? Is this something legitimate I should be pursuing? Thanks! Some loan details:159k loan - 2 years in with perfect on time automatic payments Rate is 4.25 - FHA Loan with minimum down payment of about 6k Lender is Roundpoint sold off to them as soon as I closed on my loan  <response>: The tone of this message does sound a bit off to me, but one reason to do it would be, if rates are significantly lower than your current mortgage, they want to keep you as a customer and prevent you from refinancing with someone else. 