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My bank sent an unsolicited letter saying I have a week to sign up for a loan modification. I currently have a 5.75 percent, 30-year fixed loan with about 24 years left. The bank says it can lower the interest rate to 4.75 percent with no fees, closing costs, document submittals, etc. I am over 60 and still working full time. I have all my accounts at this bank and have
excellent credit and payment history. I researched online and still cannot figure out if this is a good deal. The bank says it's doing this to reward good customers but we all know that banks don't do anything unless it makes them money. I don't know who to trust. Do you think this is a good deal?

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Posted 10:09 AM

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