9 year mortgage

My husband is interest in 9 year mortgage. They say we are qualified but we need to pay upfront before the program starts. They say we can pay off all our debts within 9.5 years. Our whole payments to creditors including mortgae is more than $8.000 per month. There are 27years left to pay off our mortgage. I don't understand how it is going to work if we don't pay an extra money to the principal. They don't tell us the detail but only an overview and they guarantee to money refund if it does not work or if we don't agree with their detailed plan tthat they are going to show on the computer after our money is paid first. Does anybody know about this program and is there anybody who tried this program?