We do this all the time. Its a streamline refinance. You bring your May payment to closing because you cant raise your loan amount enough to include that payment. You dont need an appraisal so there is a strict calculation you can use to raise the loan amount and its not much.

An FHA streamline is a very easy way to lower your payments. No income, no appraisal, and not a ton of closing costs like when you bought the house.

This is a 100% legal program, we have done them since 1998. I can not vouch for the company, i would make sure they are a legit company.

Be careful! It does sound sucpicious. Be careful not to sign over the deed to your home.