I have heard that an unnamed major lender is sending unsolicited offers to customers who may owe more on their home than what its worth. What is truly amazing is that they are offering it to homeowners that are not behind in their loan and have been paying on time.
Basically, they are offering to lower both principal and interest. The process is painless and very easy. Just sign a few forms and your done.
As with all offers please make sure you are dealing directly with your lender and not a third party as their are scam artists out there. Also, your credit could be affected , but if your reducing a significant amount of principal and lowering your monthly payments it probably is worth it.
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