<prompt> Human: Im not financially savvy at all, and an opportunity has presented itself that I would like to take advantage of, but Im worried its a scam. I was contacted by my existing mortgage company through one of their subsidiaries. They offered a refinance opportunity called a Same Provider, available under the HARP regulations. The representative told me that he could lower my interest rate without the usual credit authorization because they already held the loan. My credits not great, but Ive never been late on a mortgage payment. This sounded too good to be true, so I asked some more probing questions. The idea as it was expressed to me was that its good for the borrower because I can refinance without all the usual hoops, and its good for the lender because they hold on to a good loan, since Ive never been late on a mortgage payment. I did some research on the companies and found out that Greenlight is a legit subsidiary of NationStar, who currently holds my mortgage. This seems like a great opportunity, because I tried to refinance earlier this year and was turned down because of my credit score. I could really use some insight from you good people. Thanks in advance. TL;DR: I got a mortgage refinance offer and Im worried its a scam  <response>: You can quickly check if its a scam by calling your regular lender on a phone number that you already had for them, NOT on any number that came in the letter. See if you still get them, or someone there can tell you if the offer is coming form them. 