$102,300 Mortgage for 30 Years

What is the monthly payment of a 102,300 dollar loan?
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Loan Tables for a $102,300 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 $102,300 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
102,300 at 2.01%$378.63
102,300 at 2.02%$379.14
102,300 at 2.03%$379.66
102,300 at 2.04%$380.17
102,300 at 2.05%$380.68
102,300 at 2.06%$381.20
102,300 at 2.07%$381.71
102,300 at 2.08%$382.23
102,300 at 2.09%$382.74
102,300 at 2.1%$383.26
102,300 at 2.11%$383.77
102,300 at 2.12%$384.29
102,300 at 2.13%$384.81
102,300 at 2.14%$385.32
102,300 at 2.15%$385.84
102,300 at 2.16%$386.36
102,300 at 2.17%$386.88
102,300 at 2.18%$387.40
102,300 at 2.19%$387.91
102,300 at 2.2%$388.43
102,300 at 2.21%$388.95
102,300 at 2.22%$389.47
102,300 at 2.23%$390.00
102,300 at 2.24%$390.52
102,300 at 2.25%$391.04
102,300 at 2.26%$391.56
102,300 at 2.27%$392.08
102,300 at 2.28%$392.60
102,300 at 2.29%$393.13
102,300 at 2.3%$393.65
102,300 at 2.31%$394.18
102,300 at 2.32%$394.70
102,300 at 2.33%$395.22
102,300 at 2.34%$395.75
102,300 at 2.35%$396.28
102,300 at 2.36%$396.80
102,300 at 2.37%$397.33
102,300 at 2.38%$397.86
102,300 at 2.39%$398.38
102,300 at 2.4%$398.91
102,300 at 2.41%$399.44
102,300 at 2.42%$399.97
102,300 at 2.43%$400.50
102,300 at 2.44%$401.02
102,300 at 2.45%$401.55
102,300 at 2.46%$402.08
102,300 at 2.47%$402.61
102,300 at 2.48%$403.15
102,300 at 2.49%$403.68
102,300 at 2.5%$404.21
102,300 at 2.51%$404.74
102,300 at 2.52%$405.27
102,300 at 2.53%$405.81
102,300 at 2.54%$406.34
102,300 at 2.55%$406.87
102,300 at 2.56%$407.41
102,300 at 2.57%$407.94
102,300 at 2.58%$408.48
102,300 at 2.59%$409.01
102,300 at 2.6%$409.55
102,300 at 2.61%$410.08
102,300 at 2.62%$410.62
102,300 at 2.63%$411.16
102,300 at 2.64%$411.69
102,300 at 2.65%$412.23
102,300 at 2.66%$412.77
102,300 at 2.67%$413.31
102,300 at 2.68%$413.85
102,300 at 2.69%$414.39
102,300 at 2.7%$414.93
102,300 at 2.71%$415.47
102,300 at 2.72%$416.01
102,300 at 2.73%$416.55
102,300 at 2.74%$417.09
102,300 at 2.75%$417.63
102,300 at 2.76%$418.17
102,300 at 2.77%$418.72
102,300 at 2.78%$419.26
102,300 at 2.79%$419.80
102,300 at 2.8%$420.35
102,300 at 2.81%$420.89
102,300 at 2.82%$421.43
102,300 at 2.83%$421.98
102,300 at 2.84%$422.52
102,300 at 2.85%$423.07
102,300 at 2.86%$423.62
102,300 at 2.87%$424.16
102,300 at 2.88%$424.71
102,300 at 2.89%$425.26
102,300 at 2.9%$425.80
102,300 at 2.91%$426.35
102,300 at 2.92%$426.90
102,300 at 2.93%$427.45
102,300 at 2.94%$428.00
102,300 at 2.95%$428.55
102,300 at 2.96%$429.10
102,300 at 2.97%$429.65
102,300 at 2.98%$430.20
102,300 at 2.99%$430.75
102,300 at 3%$431.30
102,300 at 3.01%$431.85
102,300 at 3.02%$432.41
102,300 at 3.03%$432.96
102,300 at 3.04%$433.51
102,300 at 3.05%$434.06
102,300 at 3.06%$434.62
102,300 at 3.07%$435.17
102,300 at 3.08%$435.73
102,300 at 3.09%$436.28
102,300 at 3.1%$436.84
102,300 at 3.11%$437.39
102,300 at 3.12%$437.95
102,300 at 3.13%$438.51
102,300 at 3.14%$439.06
102,300 at 3.15%$439.62
102,300 at 3.16%$440.18
102,300 at 3.17%$440.74
102,300 at 3.18%$441.30
102,300 at 3.19%$441.85
102,300 at 3.2%$442.41
102,300 at 3.21%$442.97
102,300 at 3.22%$443.53
102,300 at 3.23%$444.09
102,300 at 3.24%$444.65
102,300 at 3.25%$445.22
102,300 at 3.26%$445.78
102,300 at 3.27%$446.34
102,300 at 3.28%$446.90
102,300 at 3.29%$447.46
102,300 at 3.3%$448.03
102,300 at 3.31%$448.59
102,300 at 3.32%$449.16
102,300 at 3.33%$449.72
102,300 at 3.34%$450.28
102,300 at 3.35%$450.85
102,300 at 3.36%$451.42
102,300 at 3.37%$451.98
102,300 at 3.38%$452.55
102,300 at 3.39%$453.11
102,300 at 3.4%$453.68
102,300 at 3.41%$454.25
102,300 at 3.42%$454.82
102,300 at 3.43%$455.38
102,300 at 3.44%$455.95
102,300 at 3.45%$456.52
102,300 at 3.46%$457.09
102,300 at 3.47%$457.66
102,300 at 3.48%$458.23
102,300 at 3.49%$458.80
102,300 at 3.5%$459.37
Interest Rate 30 Year
102,300 at 3.51%$459.94
102,300 at 3.52%$460.52
102,300 at 3.53%$461.09
102,300 at 3.54%$461.66
102,300 at 3.55%$462.23
102,300 at 3.56%$462.81
102,300 at 3.57%$463.38
102,300 at 3.58%$463.95
102,300 at 3.59%$464.53
102,300 at 3.6%$465.10
102,300 at 3.61%$465.68
102,300 at 3.62%$466.25
102,300 at 3.63%$466.83
102,300 at 3.64%$467.40
102,300 at 3.65%$467.98
102,300 at 3.66%$468.56
102,300 at 3.67%$469.14
102,300 at 3.68%$469.71
102,300 at 3.69%$470.29
102,300 at 3.7%$470.87
102,300 at 3.71%$471.45
102,300 at 3.72%$472.03
102,300 at 3.73%$472.61
102,300 at 3.74%$473.19
102,300 at 3.75%$473.77
102,300 at 3.76%$474.35
102,300 at 3.77%$474.93
102,300 at 3.78%$475.51
102,300 at 3.79%$476.09
102,300 at 3.8%$476.67
102,300 at 3.81%$477.26
102,300 at 3.82%$477.84
102,300 at 3.83%$478.42
102,300 at 3.84%$479.01
102,300 at 3.85%$479.59
102,300 at 3.86%$480.18
102,300 at 3.87%$480.76
102,300 at 3.88%$481.35
102,300 at 3.89%$481.93
102,300 at 3.9%$482.52
102,300 at 3.91%$483.10
102,300 at 3.92%$483.69
102,300 at 3.93%$484.28
102,300 at 3.94%$484.86
102,300 at 3.95%$485.45
102,300 at 3.96%$486.04
102,300 at 3.97%$486.63
102,300 at 3.98%$487.22
102,300 at 3.99%$487.81
102,300 at 4%$488.40
102,300 at 4.01%$488.99
102,300 at 4.02%$489.58
102,300 at 4.03%$490.17
102,300 at 4.04%$490.76
102,300 at 4.05%$491.35
102,300 at 4.06%$491.94
102,300 at 4.07%$492.53
102,300 at 4.08%$493.13
102,300 at 4.09%$493.72
102,300 at 4.1%$494.31
102,300 at 4.11%$494.91
102,300 at 4.12%$495.50
102,300 at 4.13%$496.09
102,300 at 4.14%$496.69
102,300 at 4.15%$497.28
102,300 at 4.16%$497.88
102,300 at 4.17%$498.47
102,300 at 4.18%$499.07
102,300 at 4.19%$499.67
102,300 at 4.2%$500.26
102,300 at 4.21%$500.86
102,300 at 4.22%$501.46
102,300 at 4.23%$502.06
102,300 at 4.24%$502.66
102,300 at 4.25%$503.25
102,300 at 4.26%$503.85
102,300 at 4.27%$504.45
102,300 at 4.28%$505.05
102,300 at 4.29%$505.65
102,300 at 4.3%$506.25
102,300 at 4.31%$506.85
102,300 at 4.32%$507.46
102,300 at 4.33%$508.06
102,300 at 4.34%$508.66
102,300 at 4.35%$509.26
102,300 at 4.36%$509.86
102,300 at 4.37%$510.47
102,300 at 4.38%$511.07
102,300 at 4.39%$511.67
102,300 at 4.4%$512.28
102,300 at 4.41%$512.88
102,300 at 4.42%$513.49
102,300 at 4.43%$514.09
102,300 at 4.44%$514.70
102,300 at 4.45%$515.30
102,300 at 4.46%$515.91
102,300 at 4.47%$516.52
102,300 at 4.48%$517.12
102,300 at 4.49%$517.73
102,300 at 4.5%$518.34
102,300 at 4.51%$518.95
102,300 at 4.52%$519.56
102,300 at 4.53%$520.16
102,300 at 4.54%$520.77
102,300 at 4.55%$521.38
102,300 at 4.56%$521.99
102,300 at 4.57%$522.60
102,300 at 4.58%$523.21
102,300 at 4.59%$523.82
102,300 at 4.6%$524.44
102,300 at 4.61%$525.05
102,300 at 4.62%$525.66
102,300 at 4.63%$526.27
102,300 at 4.64%$526.88
102,300 at 4.65%$527.50
102,300 at 4.66%$528.11
102,300 at 4.67%$528.72
102,300 at 4.68%$529.34
102,300 at 4.69%$529.95
102,300 at 4.7%$530.57
102,300 at 4.71%$531.18
102,300 at 4.72%$531.80
102,300 at 4.73%$532.41
102,300 at 4.74%$533.03
102,300 at 4.75%$533.65
102,300 at 4.76%$534.26
102,300 at 4.77%$534.88
102,300 at 4.78%$535.50
102,300 at 4.79%$536.11
102,300 at 4.8%$536.73
102,300 at 4.81%$537.35
102,300 at 4.82%$537.97
102,300 at 4.83%$538.59
102,300 at 4.84%$539.21
102,300 at 4.85%$539.83
102,300 at 4.86%$540.45
102,300 at 4.87%$541.07
102,300 at 4.88%$541.69
102,300 at 4.89%$542.31
102,300 at 4.9%$542.93
102,300 at 4.91%$543.56
102,300 at 4.92%$544.18
102,300 at 4.93%$544.80
102,300 at 4.94%$545.42
102,300 at 4.95%$546.05
102,300 at 4.96%$546.67
102,300 at 4.97%$547.29
102,300 at 4.98%$547.92
102,300 at 4.99%$548.54
102,300 at 5%$549.17
Interest Rate 30 Year
102,300 at 5.01%$549.79
102,300 at 5.02%$550.42
102,300 at 5.03%$551.05
102,300 at 5.04%$551.67
102,300 at 5.05%$552.30
102,300 at 5.06%$552.93
102,300 at 5.07%$553.55
102,300 at 5.08%$554.18
102,300 at 5.09%$554.81
102,300 at 5.1%$555.44
102,300 at 5.11%$556.07
102,300 at 5.12%$556.70
102,300 at 5.13%$557.32
102,300 at 5.14%$557.95
102,300 at 5.15%$558.58
102,300 at 5.16%$559.22
102,300 at 5.17%$559.85
102,300 at 5.18%$560.48
102,300 at 5.19%$561.11
102,300 at 5.2%$561.74
102,300 at 5.21%$562.37
102,300 at 5.22%$563.01
102,300 at 5.23%$563.64
102,300 at 5.24%$564.27
102,300 at 5.25%$564.90
102,300 at 5.26%$565.54
102,300 at 5.27%$566.17
102,300 at 5.28%$566.81
102,300 at 5.29%$567.44
102,300 at 5.3%$568.08
102,300 at 5.31%$568.71
102,300 at 5.32%$569.35
102,300 at 5.33%$569.98
102,300 at 5.34%$570.62
102,300 at 5.35%$571.26
102,300 at 5.36%$571.89
102,300 at 5.37%$572.53
102,300 at 5.38%$573.17
102,300 at 5.39%$573.81
102,300 at 5.4%$574.45
102,300 at 5.41%$575.08
102,300 at 5.42%$575.72
102,300 at 5.43%$576.36
102,300 at 5.44%$577.00
102,300 at 5.45%$577.64
102,300 at 5.46%$578.28
102,300 at 5.47%$578.92
102,300 at 5.48%$579.57
102,300 at 5.49%$580.21
102,300 at 5.5%$580.85
102,300 at 5.51%$581.49
102,300 at 5.52%$582.13
102,300 at 5.53%$582.78
102,300 at 5.54%$583.42
102,300 at 5.55%$584.06
102,300 at 5.56%$584.71
102,300 at 5.57%$585.35
102,300 at 5.58%$585.99
102,300 at 5.59%$586.64
102,300 at 5.6%$587.28
102,300 at 5.61%$587.93
102,300 at 5.62%$588.57
102,300 at 5.63%$589.22
102,300 at 5.64%$589.87
102,300 at 5.65%$590.51
102,300 at 5.66%$591.16
102,300 at 5.67%$591.81
102,300 at 5.68%$592.45
102,300 at 5.69%$593.10
102,300 at 5.7%$593.75
102,300 at 5.71%$594.40
102,300 at 5.72%$595.05
102,300 at 5.73%$595.70
102,300 at 5.74%$596.35
102,300 at 5.75%$597.00
102,300 at 5.76%$597.65
102,300 at 5.77%$598.30
102,300 at 5.78%$598.95
102,300 at 5.79%$599.60
102,300 at 5.8%$600.25
102,300 at 5.81%$600.90
102,300 at 5.82%$601.55
102,300 at 5.83%$602.20
102,300 at 5.84%$602.86
102,300 at 5.85%$603.51
102,300 at 5.86%$604.16
102,300 at 5.87%$604.82
102,300 at 5.88%$605.47
102,300 at 5.89%$606.12
102,300 at 5.9%$606.78
102,300 at 5.91%$607.43
102,300 at 5.92%$608.09
102,300 at 5.93%$608.74
102,300 at 5.94%$609.40
102,300 at 5.95%$610.06
102,300 at 5.96%$610.71
102,300 at 5.97%$611.37
102,300 at 5.98%$612.03
102,300 at 5.99%$612.68
102,300 at 6%$613.34
102,300 at 6.01%$614.00
102,300 at 6.02%$614.66
102,300 at 6.03%$615.31
102,300 at 6.04%$615.97
102,300 at 6.05%$616.63
102,300 at 6.06%$617.29
102,300 at 6.07%$617.95
102,300 at 6.08%$618.61
102,300 at 6.09%$619.27
102,300 at 6.1%$619.93
102,300 at 6.11%$620.59
102,300 at 6.12%$621.25
102,300 at 6.13%$621.92
102,300 at 6.14%$622.58
102,300 at 6.15%$623.24
102,300 at 6.16%$623.90
102,300 at 6.17%$624.57
102,300 at 6.18%$625.23
102,300 at 6.19%$625.89
102,300 at 6.2%$626.56
102,300 at 6.21%$627.22
102,300 at 6.22%$627.88
102,300 at 6.23%$628.55
102,300 at 6.24%$629.21
102,300 at 6.25%$629.88
102,300 at 6.26%$630.54
102,300 at 6.27%$631.21
102,300 at 6.28%$631.88
102,300 at 6.29%$632.54
102,300 at 6.3%$633.21
102,300 at 6.31%$633.88
102,300 at 6.32%$634.54
102,300 at 6.33%$635.21
102,300 at 6.34%$635.88
102,300 at 6.35%$636.55
102,300 at 6.36%$637.22
102,300 at 6.37%$637.88
102,300 at 6.38%$638.55
102,300 at 6.39%$639.22
102,300 at 6.4%$639.89
102,300 at 6.41%$640.56
102,300 at 6.42%$641.23
102,300 at 6.43%$641.90
102,300 at 6.44%$642.57
102,300 at 6.45%$643.25
102,300 at 6.46%$643.92
102,300 at 6.47%$644.59
102,300 at 6.48%$645.26
102,300 at 6.49%$645.93
102,300 at 6.5%$646.61
Interest Rate 30 Year
102,300 at 6.51%$647.28
102,300 at 6.52%$647.95
102,300 at 6.53%$648.63
102,300 at 6.54%$649.30
102,300 at 6.55%$649.97
102,300 at 6.56%$650.65
102,300 at 6.57%$651.32
102,300 at 6.58%$652.00
102,300 at 6.59%$652.67
102,300 at 6.6%$653.35
102,300 at 6.61%$654.02
102,300 at 6.62%$654.70
102,300 at 6.63%$655.38
102,300 at 6.64%$656.05
102,300 at 6.65%$656.73
102,300 at 6.66%$657.41
102,300 at 6.67%$658.08
102,300 at 6.68%$658.76
102,300 at 6.69%$659.44
102,300 at 6.7%$660.12
102,300 at 6.71%$660.80
102,300 at 6.72%$661.48
102,300 at 6.73%$662.16
102,300 at 6.74%$662.84
102,300 at 6.75%$663.52
102,300 at 6.76%$664.20
102,300 at 6.77%$664.88
102,300 at 6.78%$665.56
102,300 at 6.79%$666.24
102,300 at 6.8%$666.92
102,300 at 6.81%$667.60
102,300 at 6.82%$668.28
102,300 at 6.83%$668.97
102,300 at 6.84%$669.65
102,300 at 6.85%$670.33
102,300 at 6.86%$671.01
102,300 at 6.87%$671.70
102,300 at 6.88%$672.38
102,300 at 6.89%$673.06
102,300 at 6.9%$673.75
102,300 at 6.91%$674.43
102,300 at 6.92%$675.12
102,300 at 6.93%$675.80
102,300 at 6.94%$676.49
102,300 at 6.95%$677.17
102,300 at 6.96%$677.86
102,300 at 6.97%$678.54
102,300 at 6.98%$679.23
102,300 at 6.99%$679.92
102,300 at 7%$680.60
102,300 at 7.01%$681.29
102,300 at 7.02%$681.98
102,300 at 7.03%$682.67
102,300 at 7.04%$683.35
102,300 at 7.05%$684.04
102,300 at 7.06%$684.73
102,300 at 7.07%$685.42
102,300 at 7.08%$686.11
102,300 at 7.09%$686.80
102,300 at 7.1%$687.49
102,300 at 7.11%$688.18
102,300 at 7.12%$688.87
102,300 at 7.13%$689.56
102,300 at 7.14%$690.25
102,300 at 7.15%$690.94
102,300 at 7.16%$691.63
102,300 at 7.17%$692.32
102,300 at 7.18%$693.02
102,300 at 7.19%$693.71
102,300 at 7.2%$694.40
102,300 at 7.21%$695.09
102,300 at 7.22%$695.79
102,300 at 7.23%$696.48
102,300 at 7.24%$697.17
102,300 at 7.25%$697.87
102,300 at 7.26%$698.56
102,300 at 7.27%$699.25
102,300 at 7.28%$699.95
102,300 at 7.29%$700.64
102,300 at 7.3%$701.34
102,300 at 7.31%$702.03
102,300 at 7.32%$702.73
102,300 at 7.33%$703.43
102,300 at 7.34%$704.12
102,300 at 7.35%$704.82
102,300 at 7.36%$705.52
102,300 at 7.37%$706.21
102,300 at 7.38%$706.91
102,300 at 7.39%$707.61
102,300 at 7.4%$708.30
102,300 at 7.41%$709.00
102,300 at 7.42%$709.70
102,300 at 7.43%$710.40
102,300 at 7.44%$711.10
102,300 at 7.45%$711.80
102,300 at 7.46%$712.50
102,300 at 7.47%$713.20
102,300 at 7.48%$713.90
102,300 at 7.49%$714.60
102,300 at 7.5%$715.30
102,300 at 7.51%$716.00
102,300 at 7.52%$716.70
102,300 at 7.53%$717.40
102,300 at 7.54%$718.10
102,300 at 7.55%$718.80
102,300 at 7.56%$719.50
102,300 at 7.57%$720.21
102,300 at 7.58%$720.91
102,300 at 7.59%$721.61
102,300 at 7.6%$722.31
102,300 at 7.61%$723.02
102,300 at 7.62%$723.72
102,300 at 7.63%$724.42
102,300 at 7.64%$725.13
102,300 at 7.65%$725.83
102,300 at 7.66%$726.54
102,300 at 7.67%$727.24
102,300 at 7.68%$727.95
102,300 at 7.69%$728.65
102,300 at 7.7%$729.36
102,300 at 7.71%$730.06
102,300 at 7.72%$730.77
102,300 at 7.73%$731.48
102,300 at 7.74%$732.18
102,300 at 7.75%$732.89
102,300 at 7.76%$733.60
102,300 at 7.77%$734.30
102,300 at 7.78%$735.01
102,300 at 7.79%$735.72
102,300 at 7.8%$736.43
102,300 at 7.81%$737.14
102,300 at 7.82%$737.84
102,300 at 7.83%$738.55
102,300 at 7.84%$739.26
102,300 at 7.85%$739.97
102,300 at 7.86%$740.68
102,300 at 7.87%$741.39
102,300 at 7.88%$742.10
102,300 at 7.89%$742.81
102,300 at 7.9%$743.52
102,300 at 7.91%$744.23
102,300 at 7.92%$744.94
102,300 at 7.93%$745.66
102,300 at 7.94%$746.37
102,300 at 7.95%$747.08
102,300 at 7.96%$747.79
102,300 at 7.97%$748.50
102,300 at 7.98%$749.22
102,300 at 7.99%$749.93
102,300 at 8%$750.64
More Amounts
What is the down payment for a $102,300 house? How much do you need to put down?
Percent Down Down Payment
1%1,023
2%2,046
3%3,069
4%4,092
5%5,115
6%6,138
7%7,161
8%8,184
9%9,207
10%10,230
11%11,253
12%12,276
13%13,299
14%14,322
15%15,345
16%16,368
17%17,391
18%18,414
19%19,437
20%20,460
Percent Down Down Payment
21%21,483
22%22,506
23%23,529
24%24,552
25%25,575
26%26,598
27%27,621
28%28,644
29%29,667
30%30,690
31%31,713
32%32,736
33%33,759
34%34,782
35%35,805
36%36,828
37%37,851
38%38,874
39%39,897
40%40,920
Percent Down Down Payment
41%41,943
42%42,966
43%43,989
44%45,012
45%46,035
46%47,058
47%48,081
48%49,104
49%50,127
50%51,150
51%52,173
52%53,196
53%54,219
54%55,242
55%56,265
56%57,288
57%58,311
58%59,334
59%60,357
60%61,380
Percent Down Down Payment
61%62,403
62%63,426
63%64,449
64%65,472
65%66,495
66%67,518
67%68,541
68%69,564
69%70,587
70%71,610
71%72,633
72%73,656
73%74,679
74%75,702
75%76,725
76%77,748
77%78,771
78%79,794
79%80,817
80%81,840
Percent Down Down Payment
81%82,863
82%83,886
83%84,909
84%85,932
85%86,955
86%87,978
87%89,001
88%90,024
89%91,047
90%92,070
91%93,093
92%94,116
93%95,139
94%96,162
95%97,185
96%98,208
97%99,231
98%100,254
99%101,277
100%102,300
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.