The product home-account says they are providing is not a "let's improve their situation enough to make them a happy customer" but something that claims to be a mathematically optimal way of refinancing your home mortage. Then they will tell you when it becomes optimal to refinance your home again. Already they hint that they will begin competing with mint.com so eventually they'll provide lots of useful services.

The monthly payment is not a bad thing. It makes it much, much cheaper for the customers. It does not change it so the service will suddenly mislead their customers about the best thing to do for their finances.