It is a little hard to believe a bank would do something nice and use logic as the explanation. It has been my experience in the past that when rates went down and I was going to refi I would tell my lender and offer to just take a rate reduction and they told me to pound sand. So I refi'd and went somewhere else and they couldn't care less.

I would have a attorney or other expert look at it to make sure there isn't a cobra hidden in there. Might be true though, you never know...

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1998 C230 330,000 miles (currently dead of second failed EIS, yours will fail too, turning you into the dealer's personal human cash machine)
1988 F150 144,000 miles (leaks all the colors of the rainbow)
Previous stars: 1981 Brava 210,000 miles, 1978 128 150,000 miles, 1977 B200 Van 175,000 miles, 1972 Vega (great, if rusty, car), 1972 Celica, 1986.5 Supra