[b4freedom]

Sounds like a trap to me. If they own your loan and can collect more money from you, why would they offer to collect less money from you? If you owed me money and you were paying me $100 a month, why on earth would I come to you and say, "Why don't you only pay me $80 a month instead?" Double check to make sure it's not variable rate or some other gimmicky trick.