Mortgage customers of 5 large banks get big offers to lower their payments

``"Someone who is getting something out of the blue could feel this is too good to be true," said Dan Tierney, spokesman for the Ohio Attorney General's Office. However, the offers are part of the five banks' settlements with federal and state regulators earlier this year. In Ohio, the five companies agreed to commit $90 million in interest savings for borrowers who refinance and $102 million to reduce the principal and payments on homeowners' loans.''