[Christien]

Gotta agree with Rick here. Sure, it may not be in your best interest to refinance the thing, but I can't think of a reason in the world why they shouldn't be able to at least offer it. Now if they deliberately hid refinancing your entire mortgage at a new rate in tiny print and insane legalese, than you may have a point, but so long as it's disclosed as it should be, I see no problem.