Mortgage Question - Negotiation possible?

[Dr. Moreau]

I purchased a townhome last year, and took a subprime (7.5% interest) mortgage to buy it due to some poor credit decisions a few years ago.

According to my documents, I have until the 15th to pay it each month before it is considering 'late' and incur late fees ($100 ish).

I have no problem paying my mortgage every month, however I do wait until the 13th to send in the payment because I have no motivation to send the payment in earlier.

During the past few months, my mortgage company calls me on a few days before the 15th and want to talk to me about 'payment options'.

I am not behind in my payments, I pay more then my mortgage payment is every month to help pay down principal. I think they call me is because a computer flags me as being a 'problem customer'. Most of the time they call me I just point out to them I made my payment that morning. Usually the rep is apologetic and we end the call on a positive note.

My question is this... what kind of options are they going to offer me? Lower interest rate, refinance, etc? Should I even discuss this with them or just keep paying?

I wouldn't mind lowering my rate, but I stupidly took a prepayment penalty for 3 years so refinance does not make sense till 2009.

Just curious.