$101,800 Mortgage for 30 Years

What is the monthly payment of a 101,800 dollar loan?
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Loan Tables for a $101,800 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 102k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $101,800 home? What if I pay a bigger down payment? Make sure to think about maintenance costs, taxes, insurance, and other costs.

Use this to calculate a loan for anything, such as a vehicle, business loan, home, RV, motor home, mobile home, manufactured home, real estate, land, vacation property, education, or any type of debt.
Interest Rate 30 Year
101,800 at 2.01%$376.78
101,800 at 2.02%$377.29
101,800 at 2.03%$377.80
101,800 at 2.04%$378.31
101,800 at 2.05%$378.82
101,800 at 2.06%$379.33
101,800 at 2.07%$379.85
101,800 at 2.08%$380.36
101,800 at 2.09%$380.87
101,800 at 2.1%$381.38
101,800 at 2.11%$381.90
101,800 at 2.12%$382.41
101,800 at 2.13%$382.92
101,800 at 2.14%$383.44
101,800 at 2.15%$383.95
101,800 at 2.16%$384.47
101,800 at 2.17%$384.99
101,800 at 2.18%$385.50
101,800 at 2.19%$386.02
101,800 at 2.2%$386.54
101,800 at 2.21%$387.05
101,800 at 2.22%$387.57
101,800 at 2.23%$388.09
101,800 at 2.24%$388.61
101,800 at 2.25%$389.13
101,800 at 2.26%$389.65
101,800 at 2.27%$390.17
101,800 at 2.28%$390.69
101,800 at 2.29%$391.21
101,800 at 2.3%$391.73
101,800 at 2.31%$392.25
101,800 at 2.32%$392.77
101,800 at 2.33%$393.29
101,800 at 2.34%$393.82
101,800 at 2.35%$394.34
101,800 at 2.36%$394.86
101,800 at 2.37%$395.39
101,800 at 2.38%$395.91
101,800 at 2.39%$396.44
101,800 at 2.4%$396.96
101,800 at 2.41%$397.49
101,800 at 2.42%$398.01
101,800 at 2.43%$398.54
101,800 at 2.44%$399.06
101,800 at 2.45%$399.59
101,800 at 2.46%$400.12
101,800 at 2.47%$400.65
101,800 at 2.48%$401.18
101,800 at 2.49%$401.70
101,800 at 2.5%$402.23
101,800 at 2.51%$402.76
101,800 at 2.52%$403.29
101,800 at 2.53%$403.82
101,800 at 2.54%$404.35
101,800 at 2.55%$404.88
101,800 at 2.56%$405.42
101,800 at 2.57%$405.95
101,800 at 2.58%$406.48
101,800 at 2.59%$407.01
101,800 at 2.6%$407.55
101,800 at 2.61%$408.08
101,800 at 2.62%$408.61
101,800 at 2.63%$409.15
101,800 at 2.64%$409.68
101,800 at 2.65%$410.22
101,800 at 2.66%$410.75
101,800 at 2.67%$411.29
101,800 at 2.68%$411.82
101,800 at 2.69%$412.36
101,800 at 2.7%$412.90
101,800 at 2.71%$413.44
101,800 at 2.72%$413.97
101,800 at 2.73%$414.51
101,800 at 2.74%$415.05
101,800 at 2.75%$415.59
101,800 at 2.76%$416.13
101,800 at 2.77%$416.67
101,800 at 2.78%$417.21
101,800 at 2.79%$417.75
101,800 at 2.8%$418.29
101,800 at 2.81%$418.83
101,800 at 2.82%$419.37
101,800 at 2.83%$419.92
101,800 at 2.84%$420.46
101,800 at 2.85%$421.00
101,800 at 2.86%$421.54
101,800 at 2.87%$422.09
101,800 at 2.88%$422.63
101,800 at 2.89%$423.18
101,800 at 2.9%$423.72
101,800 at 2.91%$424.27
101,800 at 2.92%$424.81
101,800 at 2.93%$425.36
101,800 at 2.94%$425.91
101,800 at 2.95%$426.45
101,800 at 2.96%$427.00
101,800 at 2.97%$427.55
101,800 at 2.98%$428.10
101,800 at 2.99%$428.64
101,800 at 3%$429.19
101,800 at 3.01%$429.74
101,800 at 3.02%$430.29
101,800 at 3.03%$430.84
101,800 at 3.04%$431.39
101,800 at 3.05%$431.94
101,800 at 3.06%$432.49
101,800 at 3.07%$433.05
101,800 at 3.08%$433.60
101,800 at 3.09%$434.15
101,800 at 3.1%$434.70
101,800 at 3.11%$435.26
101,800 at 3.12%$435.81
101,800 at 3.13%$436.36
101,800 at 3.14%$436.92
101,800 at 3.15%$437.47
101,800 at 3.16%$438.03
101,800 at 3.17%$438.58
101,800 at 3.18%$439.14
101,800 at 3.19%$439.69
101,800 at 3.2%$440.25
101,800 at 3.21%$440.81
101,800 at 3.22%$441.37
101,800 at 3.23%$441.92
101,800 at 3.24%$442.48
101,800 at 3.25%$443.04
101,800 at 3.26%$443.60
101,800 at 3.27%$444.16
101,800 at 3.28%$444.72
101,800 at 3.29%$445.28
101,800 at 3.3%$445.84
101,800 at 3.31%$446.40
101,800 at 3.32%$446.96
101,800 at 3.33%$447.52
101,800 at 3.34%$448.08
101,800 at 3.35%$448.65
101,800 at 3.36%$449.21
101,800 at 3.37%$449.77
101,800 at 3.38%$450.34
101,800 at 3.39%$450.90
101,800 at 3.4%$451.46
101,800 at 3.41%$452.03
101,800 at 3.42%$452.59
101,800 at 3.43%$453.16
101,800 at 3.44%$453.72
101,800 at 3.45%$454.29
101,800 at 3.46%$454.86
101,800 at 3.47%$455.42
101,800 at 3.48%$455.99
101,800 at 3.49%$456.56
101,800 at 3.5%$457.13
Interest Rate 30 Year
101,800 at 3.51%$457.70
101,800 at 3.52%$458.26
101,800 at 3.53%$458.83
101,800 at 3.54%$459.40
101,800 at 3.55%$459.97
101,800 at 3.56%$460.54
101,800 at 3.57%$461.11
101,800 at 3.58%$461.69
101,800 at 3.59%$462.26
101,800 at 3.6%$462.83
101,800 at 3.61%$463.40
101,800 at 3.62%$463.97
101,800 at 3.63%$464.55
101,800 at 3.64%$465.12
101,800 at 3.65%$465.69
101,800 at 3.66%$466.27
101,800 at 3.67%$466.84
101,800 at 3.68%$467.42
101,800 at 3.69%$467.99
101,800 at 3.7%$468.57
101,800 at 3.71%$469.14
101,800 at 3.72%$469.72
101,800 at 3.73%$470.30
101,800 at 3.74%$470.87
101,800 at 3.75%$471.45
101,800 at 3.76%$472.03
101,800 at 3.77%$472.61
101,800 at 3.78%$473.19
101,800 at 3.79%$473.77
101,800 at 3.8%$474.34
101,800 at 3.81%$474.92
101,800 at 3.82%$475.50
101,800 at 3.83%$476.08
101,800 at 3.84%$476.67
101,800 at 3.85%$477.25
101,800 at 3.86%$477.83
101,800 at 3.87%$478.41
101,800 at 3.88%$478.99
101,800 at 3.89%$479.58
101,800 at 3.9%$480.16
101,800 at 3.91%$480.74
101,800 at 3.92%$481.33
101,800 at 3.93%$481.91
101,800 at 3.94%$482.49
101,800 at 3.95%$483.08
101,800 at 3.96%$483.66
101,800 at 3.97%$484.25
101,800 at 3.98%$484.84
101,800 at 3.99%$485.42
101,800 at 4%$486.01
101,800 at 4.01%$486.60
101,800 at 4.02%$487.18
101,800 at 4.03%$487.77
101,800 at 4.04%$488.36
101,800 at 4.05%$488.95
101,800 at 4.06%$489.54
101,800 at 4.07%$490.13
101,800 at 4.08%$490.72
101,800 at 4.09%$491.31
101,800 at 4.1%$491.90
101,800 at 4.11%$492.49
101,800 at 4.12%$493.08
101,800 at 4.13%$493.67
101,800 at 4.14%$494.26
101,800 at 4.15%$494.85
101,800 at 4.16%$495.45
101,800 at 4.17%$496.04
101,800 at 4.18%$496.63
101,800 at 4.19%$497.23
101,800 at 4.2%$497.82
101,800 at 4.21%$498.41
101,800 at 4.22%$499.01
101,800 at 4.23%$499.60
101,800 at 4.24%$500.20
101,800 at 4.25%$500.79
101,800 at 4.26%$501.39
101,800 at 4.27%$501.99
101,800 at 4.28%$502.58
101,800 at 4.29%$503.18
101,800 at 4.3%$503.78
101,800 at 4.31%$504.38
101,800 at 4.32%$504.98
101,800 at 4.33%$505.57
101,800 at 4.34%$506.17
101,800 at 4.35%$506.77
101,800 at 4.36%$507.37
101,800 at 4.37%$507.97
101,800 at 4.38%$508.57
101,800 at 4.39%$509.17
101,800 at 4.4%$509.77
101,800 at 4.41%$510.38
101,800 at 4.42%$510.98
101,800 at 4.43%$511.58
101,800 at 4.44%$512.18
101,800 at 4.45%$512.79
101,800 at 4.46%$513.39
101,800 at 4.47%$513.99
101,800 at 4.48%$514.60
101,800 at 4.49%$515.20
101,800 at 4.5%$515.81
101,800 at 4.51%$516.41
101,800 at 4.52%$517.02
101,800 at 4.53%$517.62
101,800 at 4.54%$518.23
101,800 at 4.55%$518.83
101,800 at 4.56%$519.44
101,800 at 4.57%$520.05
101,800 at 4.58%$520.66
101,800 at 4.59%$521.26
101,800 at 4.6%$521.87
101,800 at 4.61%$522.48
101,800 at 4.62%$523.09
101,800 at 4.63%$523.70
101,800 at 4.64%$524.31
101,800 at 4.65%$524.92
101,800 at 4.66%$525.53
101,800 at 4.67%$526.14
101,800 at 4.68%$526.75
101,800 at 4.69%$527.36
101,800 at 4.7%$527.97
101,800 at 4.71%$528.59
101,800 at 4.72%$529.20
101,800 at 4.73%$529.81
101,800 at 4.74%$530.42
101,800 at 4.75%$531.04
101,800 at 4.76%$531.65
101,800 at 4.77%$532.26
101,800 at 4.78%$532.88
101,800 at 4.79%$533.49
101,800 at 4.8%$534.11
101,800 at 4.81%$534.72
101,800 at 4.82%$535.34
101,800 at 4.83%$535.96
101,800 at 4.84%$536.57
101,800 at 4.85%$537.19
101,800 at 4.86%$537.81
101,800 at 4.87%$538.43
101,800 at 4.88%$539.04
101,800 at 4.89%$539.66
101,800 at 4.9%$540.28
101,800 at 4.91%$540.90
101,800 at 4.92%$541.52
101,800 at 4.93%$542.14
101,800 at 4.94%$542.76
101,800 at 4.95%$543.38
101,800 at 4.96%$544.00
101,800 at 4.97%$544.62
101,800 at 4.98%$545.24
101,800 at 4.99%$545.86
101,800 at 5%$546.48
Interest Rate 30 Year
101,800 at 5.01%$547.11
101,800 at 5.02%$547.73
101,800 at 5.03%$548.35
101,800 at 5.04%$548.98
101,800 at 5.05%$549.60
101,800 at 5.06%$550.22
101,800 at 5.07%$550.85
101,800 at 5.08%$551.47
101,800 at 5.09%$552.10
101,800 at 5.1%$552.72
101,800 at 5.11%$553.35
101,800 at 5.12%$553.97
101,800 at 5.13%$554.60
101,800 at 5.14%$555.23
101,800 at 5.15%$555.85
101,800 at 5.16%$556.48
101,800 at 5.17%$557.11
101,800 at 5.18%$557.74
101,800 at 5.19%$558.37
101,800 at 5.2%$558.99
101,800 at 5.21%$559.62
101,800 at 5.22%$560.25
101,800 at 5.23%$560.88
101,800 at 5.24%$561.51
101,800 at 5.25%$562.14
101,800 at 5.26%$562.77
101,800 at 5.27%$563.41
101,800 at 5.28%$564.04
101,800 at 5.29%$564.67
101,800 at 5.3%$565.30
101,800 at 5.31%$565.93
101,800 at 5.32%$566.57
101,800 at 5.33%$567.20
101,800 at 5.34%$567.83
101,800 at 5.35%$568.47
101,800 at 5.36%$569.10
101,800 at 5.37%$569.73
101,800 at 5.38%$570.37
101,800 at 5.39%$571.00
101,800 at 5.4%$571.64
101,800 at 5.41%$572.27
101,800 at 5.42%$572.91
101,800 at 5.43%$573.55
101,800 at 5.44%$574.18
101,800 at 5.45%$574.82
101,800 at 5.46%$575.46
101,800 at 5.47%$576.09
101,800 at 5.48%$576.73
101,800 at 5.49%$577.37
101,800 at 5.5%$578.01
101,800 at 5.51%$578.65
101,800 at 5.52%$579.29
101,800 at 5.53%$579.93
101,800 at 5.54%$580.57
101,800 at 5.55%$581.21
101,800 at 5.56%$581.85
101,800 at 5.57%$582.49
101,800 at 5.58%$583.13
101,800 at 5.59%$583.77
101,800 at 5.6%$584.41
101,800 at 5.61%$585.05
101,800 at 5.62%$585.70
101,800 at 5.63%$586.34
101,800 at 5.64%$586.98
101,800 at 5.65%$587.63
101,800 at 5.66%$588.27
101,800 at 5.67%$588.91
101,800 at 5.68%$589.56
101,800 at 5.69%$590.20
101,800 at 5.7%$590.85
101,800 at 5.71%$591.49
101,800 at 5.72%$592.14
101,800 at 5.73%$592.78
101,800 at 5.74%$593.43
101,800 at 5.75%$594.08
101,800 at 5.76%$594.72
101,800 at 5.77%$595.37
101,800 at 5.78%$596.02
101,800 at 5.79%$596.67
101,800 at 5.8%$597.31
101,800 at 5.81%$597.96
101,800 at 5.82%$598.61
101,800 at 5.83%$599.26
101,800 at 5.84%$599.91
101,800 at 5.85%$600.56
101,800 at 5.86%$601.21
101,800 at 5.87%$601.86
101,800 at 5.88%$602.51
101,800 at 5.89%$603.16
101,800 at 5.9%$603.81
101,800 at 5.91%$604.46
101,800 at 5.92%$605.12
101,800 at 5.93%$605.77
101,800 at 5.94%$606.42
101,800 at 5.95%$607.07
101,800 at 5.96%$607.73
101,800 at 5.97%$608.38
101,800 at 5.98%$609.03
101,800 at 5.99%$609.69
101,800 at 6%$610.34
101,800 at 6.01%$611.00
101,800 at 6.02%$611.65
101,800 at 6.03%$612.31
101,800 at 6.04%$612.96
101,800 at 6.05%$613.62
101,800 at 6.06%$614.27
101,800 at 6.07%$614.93
101,800 at 6.08%$615.59
101,800 at 6.09%$616.25
101,800 at 6.1%$616.90
101,800 at 6.11%$617.56
101,800 at 6.12%$618.22
101,800 at 6.13%$618.88
101,800 at 6.14%$619.54
101,800 at 6.15%$620.19
101,800 at 6.16%$620.85
101,800 at 6.17%$621.51
101,800 at 6.18%$622.17
101,800 at 6.19%$622.83
101,800 at 6.2%$623.49
101,800 at 6.21%$624.15
101,800 at 6.22%$624.82
101,800 at 6.23%$625.48
101,800 at 6.24%$626.14
101,800 at 6.25%$626.80
101,800 at 6.26%$627.46
101,800 at 6.27%$628.12
101,800 at 6.28%$628.79
101,800 at 6.29%$629.45
101,800 at 6.3%$630.11
101,800 at 6.31%$630.78
101,800 at 6.32%$631.44
101,800 at 6.33%$632.11
101,800 at 6.34%$632.77
101,800 at 6.35%$633.44
101,800 at 6.36%$634.10
101,800 at 6.37%$634.77
101,800 at 6.38%$635.43
101,800 at 6.39%$636.10
101,800 at 6.4%$636.77
101,800 at 6.41%$637.43
101,800 at 6.42%$638.10
101,800 at 6.43%$638.77
101,800 at 6.44%$639.43
101,800 at 6.45%$640.10
101,800 at 6.46%$640.77
101,800 at 6.47%$641.44
101,800 at 6.48%$642.11
101,800 at 6.49%$642.78
101,800 at 6.5%$643.45
Interest Rate 30 Year
101,800 at 6.51%$644.11
101,800 at 6.52%$644.78
101,800 at 6.53%$645.46
101,800 at 6.54%$646.13
101,800 at 6.55%$646.80
101,800 at 6.56%$647.47
101,800 at 6.57%$648.14
101,800 at 6.58%$648.81
101,800 at 6.59%$649.48
101,800 at 6.6%$650.15
101,800 at 6.61%$650.83
101,800 at 6.62%$651.50
101,800 at 6.63%$652.17
101,800 at 6.64%$652.85
101,800 at 6.65%$653.52
101,800 at 6.66%$654.19
101,800 at 6.67%$654.87
101,800 at 6.68%$655.54
101,800 at 6.69%$656.22
101,800 at 6.7%$656.89
101,800 at 6.71%$657.57
101,800 at 6.72%$658.24
101,800 at 6.73%$658.92
101,800 at 6.74%$659.60
101,800 at 6.75%$660.27
101,800 at 6.76%$660.95
101,800 at 6.77%$661.63
101,800 at 6.78%$662.30
101,800 at 6.79%$662.98
101,800 at 6.8%$663.66
101,800 at 6.81%$664.34
101,800 at 6.82%$665.02
101,800 at 6.83%$665.70
101,800 at 6.84%$666.37
101,800 at 6.85%$667.05
101,800 at 6.86%$667.73
101,800 at 6.87%$668.41
101,800 at 6.88%$669.09
101,800 at 6.89%$669.77
101,800 at 6.9%$670.45
101,800 at 6.91%$671.14
101,800 at 6.92%$671.82
101,800 at 6.93%$672.50
101,800 at 6.94%$673.18
101,800 at 6.95%$673.86
101,800 at 6.96%$674.55
101,800 at 6.97%$675.23
101,800 at 6.98%$675.91
101,800 at 6.99%$676.59
101,800 at 7%$677.28
101,800 at 7.01%$677.96
101,800 at 7.02%$678.65
101,800 at 7.03%$679.33
101,800 at 7.04%$680.01
101,800 at 7.05%$680.70
101,800 at 7.06%$681.39
101,800 at 7.07%$682.07
101,800 at 7.08%$682.76
101,800 at 7.09%$683.44
101,800 at 7.1%$684.13
101,800 at 7.11%$684.82
101,800 at 7.12%$685.50
101,800 at 7.13%$686.19
101,800 at 7.14%$686.88
101,800 at 7.15%$687.56
101,800 at 7.16%$688.25
101,800 at 7.17%$688.94
101,800 at 7.18%$689.63
101,800 at 7.19%$690.32
101,800 at 7.2%$691.01
101,800 at 7.21%$691.70
101,800 at 7.22%$692.39
101,800 at 7.23%$693.08
101,800 at 7.24%$693.77
101,800 at 7.25%$694.46
101,800 at 7.26%$695.15
101,800 at 7.27%$695.84
101,800 at 7.28%$696.53
101,800 at 7.29%$697.22
101,800 at 7.3%$697.91
101,800 at 7.31%$698.60
101,800 at 7.32%$699.30
101,800 at 7.33%$699.99
101,800 at 7.34%$700.68
101,800 at 7.35%$701.37
101,800 at 7.36%$702.07
101,800 at 7.37%$702.76
101,800 at 7.38%$703.45
101,800 at 7.39%$704.15
101,800 at 7.4%$704.84
101,800 at 7.41%$705.54
101,800 at 7.42%$706.23
101,800 at 7.43%$706.93
101,800 at 7.44%$707.62
101,800 at 7.45%$708.32
101,800 at 7.46%$709.01
101,800 at 7.47%$709.71
101,800 at 7.48%$710.41
101,800 at 7.49%$711.10
101,800 at 7.5%$711.80
101,800 at 7.51%$712.50
101,800 at 7.52%$713.20
101,800 at 7.53%$713.89
101,800 at 7.54%$714.59
101,800 at 7.55%$715.29
101,800 at 7.56%$715.99
101,800 at 7.57%$716.69
101,800 at 7.58%$717.39
101,800 at 7.59%$718.08
101,800 at 7.6%$718.78
101,800 at 7.61%$719.48
101,800 at 7.62%$720.18
101,800 at 7.63%$720.88
101,800 at 7.64%$721.58
101,800 at 7.65%$722.29
101,800 at 7.66%$722.99
101,800 at 7.67%$723.69
101,800 at 7.68%$724.39
101,800 at 7.69%$725.09
101,800 at 7.7%$725.79
101,800 at 7.71%$726.50
101,800 at 7.72%$727.20
101,800 at 7.73%$727.90
101,800 at 7.74%$728.60
101,800 at 7.75%$729.31
101,800 at 7.76%$730.01
101,800 at 7.77%$730.72
101,800 at 7.78%$731.42
101,800 at 7.79%$732.12
101,800 at 7.8%$732.83
101,800 at 7.81%$733.53
101,800 at 7.82%$734.24
101,800 at 7.83%$734.94
101,800 at 7.84%$735.65
101,800 at 7.85%$736.35
101,800 at 7.86%$737.06
101,800 at 7.87%$737.77
101,800 at 7.88%$738.47
101,800 at 7.89%$739.18
101,800 at 7.9%$739.89
101,800 at 7.91%$740.60
101,800 at 7.92%$741.30
101,800 at 7.93%$742.01
101,800 at 7.94%$742.72
101,800 at 7.95%$743.43
101,800 at 7.96%$744.14
101,800 at 7.97%$744.84
101,800 at 7.98%$745.55
101,800 at 7.99%$746.26
101,800 at 8%$746.97
More Amounts
What is the down payment for a $101,800 house? How much do you need to put down?
Percent Down Down Payment
1%1,018
2%2,036
3%3,054
4%4,072
5%5,090
6%6,108
7%7,126
8%8,144
9%9,162
10%10,180
11%11,198
12%12,216
13%13,234
14%14,252
15%15,270
16%16,288
17%17,306
18%18,324
19%19,342
20%20,360
Percent Down Down Payment
21%21,378
22%22,396
23%23,414
24%24,432
25%25,450
26%26,468
27%27,486
28%28,504
29%29,522
30%30,540
31%31,558
32%32,576
33%33,594
34%34,612
35%35,630
36%36,648
37%37,666
38%38,684
39%39,702
40%40,720
Percent Down Down Payment
41%41,738
42%42,756
43%43,774
44%44,792
45%45,810
46%46,828
47%47,846
48%48,864
49%49,882
50%50,900
51%51,918
52%52,936
53%53,954
54%54,972
55%55,990
56%57,008
57%58,026
58%59,044
59%60,062
60%61,080
Percent Down Down Payment
61%62,098
62%63,116
63%64,134
64%65,152
65%66,170
66%67,188
67%68,206
68%69,224
69%70,242
70%71,260
71%72,278
72%73,296
73%74,314
74%75,332
75%76,350
76%77,368
77%78,386
78%79,404
79%80,422
80%81,440
Percent Down Down Payment
81%82,458
82%83,476
83%84,494
84%85,512
85%86,530
86%87,548
87%88,566
88%89,584
89%90,602
90%91,620
91%92,638
92%93,656
93%94,674
94%95,692
95%96,710
96%97,728
97%98,746
98%99,764
99%100,782
100%101,800
Common Loan Vocabulary Terms
APR Annual Percentage Rate, the annual cost of borrowing or lending money.
PMI Private Mortgage Insurance. A downpayment less than 20% often requires that the borrower purchase PMI. This increases the overall monthly payment.
Property Taxes Taxes charged by the local government to the owner of the property. This is often charged as a percentage of the assessed value of the property.
Insurance Home insurance protects your property against damage. Flood insurance is often recommended for some areas of the country. Individuals with a high net worth might consider an umbrella policy.
HOA Homeowners' Association. Usually part of a condo development or subdivision. The HOA often sets the rules, takes care of common maintenance, and charges a fee.
Mortgage Refinance After mortgage rates have decreased, it is often possible to get a new mortgage at a lower rate. This is a loan refinance and can save lots of money.