Possible Clues:

• Payment-lowering deal, in brief
• Interest-lowering tactic, for short
• Take advantage of low A.P.R., perhaps
• Change of mortgage, in that sort of lingo
• Mortgage change, for short
• Offer you might have less interest in, for short?
• Loan option, briefly
• New loan arrangement, briefly
• A.P.R.-lowering option
• Advantageous mtge. deal