[JRJ4297]

I am late paying my mortgage due to being laid off from my job last year. I was contacted by a company called United Mediation Group. They will modify my mortgage and take my interest rate down to 2%. This will cost me $1,500. My loan will still be held by my current mortgage co. This sounds too good to be true - has anyone done this before? I'm wondering if there are hidden problems and if this will lower my credit score by modifying my mortgage.