At face value, seems like a relatively painless way to increase my home equity. On the other hand, I know there has to be something in it for Chase (they wouldn't "offer" otherwise) and I've found a few web sites with warnings that this and similar programs essentially amount to a scam and that I can really do this on my own without enrolling in any "program". Being "challenged" in the area of finance (I'm a biologist, remember ) I throw myself at the mercy of the ATOT collective intellect before making a decision. Any and all info is appreciated. Fausto PS- $50 to start the program and $9 per month "participation fee" for Chase's program.