<prompt> Human: I got a high pressure sales call from my mortgage company to do a free refi with them:- Im on a 30-yr fixed right now 4.125 balance is 379k. Im 2.5yrs into the mortgage ontime payments with some extra principal paid each month. I pay property tax on my own- they are offering a refi, lowering my rate by 0.25 to 3.875 keeping the current term 27.5yrs. I will still pay property tax on my own- they claim they will pay all the fees. paperwork sent shows that. only thing i see is that the new principal for the loan increased by 1100. They say Ill be skipping one payment because of the refi a benefit to me - I presume this increase is just the interest for skipping the paymentSeems like a legit deal - red flags are just the high pressure sales. I need to act on this offer in 24 hours. They gave me some BS about the electronic paperwork I need to sign can only be available for 24 hours due to security reasons. I did call my mortgage company to confirm that he is associated with them and not phishingI dont believe in a free lunch. One disclosure they provided is that the 3rd parties processing the refi are owned by them so wondering if theyre just making money off the fees. I was going to check w my broker if i could get a better deal elsewhereI also happened to get this call a few days after I increased my monthly extra principal payment. Wonder if that triggered something...  <response>: It lowers the total cost of the mortgage 20k, if this is an offer from your current lender and its only a 1100 bump in principle, it seems like a good offer.Whats odd is that the offer is only good for 24 hours. I bet if you called 43 days from now, theyd likely do the same deal, unless rates have gone up significantly by that time.Lets see what some other people in this sub think! 