$11,500 Mortgage for 30 Years

What is the monthly payment of a 11,500 dollar loan?
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Loan Tables for a $11,500 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 12k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $11,500 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
11,500 at 2.01%$42.56
11,500 at 2.02%$42.62
11,500 at 2.03%$42.68
11,500 at 2.04%$42.74
11,500 at 2.05%$42.79
11,500 at 2.06%$42.85
11,500 at 2.07%$42.91
11,500 at 2.08%$42.97
11,500 at 2.09%$43.03
11,500 at 2.1%$43.08
11,500 at 2.11%$43.14
11,500 at 2.12%$43.20
11,500 at 2.13%$43.26
11,500 at 2.14%$43.32
11,500 at 2.15%$43.37
11,500 at 2.16%$43.43
11,500 at 2.17%$43.49
11,500 at 2.18%$43.55
11,500 at 2.19%$43.61
11,500 at 2.2%$43.67
11,500 at 2.21%$43.72
11,500 at 2.22%$43.78
11,500 at 2.23%$43.84
11,500 at 2.24%$43.90
11,500 at 2.25%$43.96
11,500 at 2.26%$44.02
11,500 at 2.27%$44.08
11,500 at 2.28%$44.13
11,500 at 2.29%$44.19
11,500 at 2.3%$44.25
11,500 at 2.31%$44.31
11,500 at 2.32%$44.37
11,500 at 2.33%$44.43
11,500 at 2.34%$44.49
11,500 at 2.35%$44.55
11,500 at 2.36%$44.61
11,500 at 2.37%$44.67
11,500 at 2.38%$44.72
11,500 at 2.39%$44.78
11,500 at 2.4%$44.84
11,500 at 2.41%$44.90
11,500 at 2.42%$44.96
11,500 at 2.43%$45.02
11,500 at 2.44%$45.08
11,500 at 2.45%$45.14
11,500 at 2.46%$45.20
11,500 at 2.47%$45.26
11,500 at 2.48%$45.32
11,500 at 2.49%$45.38
11,500 at 2.5%$45.44
11,500 at 2.51%$45.50
11,500 at 2.52%$45.56
11,500 at 2.53%$45.62
11,500 at 2.54%$45.68
11,500 at 2.55%$45.74
11,500 at 2.56%$45.80
11,500 at 2.57%$45.86
11,500 at 2.58%$45.92
11,500 at 2.59%$45.98
11,500 at 2.6%$46.04
11,500 at 2.61%$46.10
11,500 at 2.62%$46.16
11,500 at 2.63%$46.22
11,500 at 2.64%$46.28
11,500 at 2.65%$46.34
11,500 at 2.66%$46.40
11,500 at 2.67%$46.46
11,500 at 2.68%$46.52
11,500 at 2.69%$46.58
11,500 at 2.7%$46.64
11,500 at 2.71%$46.70
11,500 at 2.72%$46.77
11,500 at 2.73%$46.83
11,500 at 2.74%$46.89
11,500 at 2.75%$46.95
11,500 at 2.76%$47.01
11,500 at 2.77%$47.07
11,500 at 2.78%$47.13
11,500 at 2.79%$47.19
11,500 at 2.8%$47.25
11,500 at 2.81%$47.31
11,500 at 2.82%$47.38
11,500 at 2.83%$47.44
11,500 at 2.84%$47.50
11,500 at 2.85%$47.56
11,500 at 2.86%$47.62
11,500 at 2.87%$47.68
11,500 at 2.88%$47.74
11,500 at 2.89%$47.80
11,500 at 2.9%$47.87
11,500 at 2.91%$47.93
11,500 at 2.92%$47.99
11,500 at 2.93%$48.05
11,500 at 2.94%$48.11
11,500 at 2.95%$48.17
11,500 at 2.96%$48.24
11,500 at 2.97%$48.30
11,500 at 2.98%$48.36
11,500 at 2.99%$48.42
11,500 at 3%$48.48
11,500 at 3.01%$48.55
11,500 at 3.02%$48.61
11,500 at 3.03%$48.67
11,500 at 3.04%$48.73
11,500 at 3.05%$48.80
11,500 at 3.06%$48.86
11,500 at 3.07%$48.92
11,500 at 3.08%$48.98
11,500 at 3.09%$49.04
11,500 at 3.1%$49.11
11,500 at 3.11%$49.17
11,500 at 3.12%$49.23
11,500 at 3.13%$49.29
11,500 at 3.14%$49.36
11,500 at 3.15%$49.42
11,500 at 3.16%$49.48
11,500 at 3.17%$49.55
11,500 at 3.18%$49.61
11,500 at 3.19%$49.67
11,500 at 3.2%$49.73
11,500 at 3.21%$49.80
11,500 at 3.22%$49.86
11,500 at 3.23%$49.92
11,500 at 3.24%$49.99
11,500 at 3.25%$50.05
11,500 at 3.26%$50.11
11,500 at 3.27%$50.18
11,500 at 3.28%$50.24
11,500 at 3.29%$50.30
11,500 at 3.3%$50.36
11,500 at 3.31%$50.43
11,500 at 3.32%$50.49
11,500 at 3.33%$50.56
11,500 at 3.34%$50.62
11,500 at 3.35%$50.68
11,500 at 3.36%$50.75
11,500 at 3.37%$50.81
11,500 at 3.38%$50.87
11,500 at 3.39%$50.94
11,500 at 3.4%$51.00
11,500 at 3.41%$51.06
11,500 at 3.42%$51.13
11,500 at 3.43%$51.19
11,500 at 3.44%$51.26
11,500 at 3.45%$51.32
11,500 at 3.46%$51.38
11,500 at 3.47%$51.45
11,500 at 3.48%$51.51
11,500 at 3.49%$51.58
11,500 at 3.5%$51.64
Interest Rate 30 Year
11,500 at 3.51%$51.70
11,500 at 3.52%$51.77
11,500 at 3.53%$51.83
11,500 at 3.54%$51.90
11,500 at 3.55%$51.96
11,500 at 3.56%$52.03
11,500 at 3.57%$52.09
11,500 at 3.58%$52.16
11,500 at 3.59%$52.22
11,500 at 3.6%$52.28
11,500 at 3.61%$52.35
11,500 at 3.62%$52.41
11,500 at 3.63%$52.48
11,500 at 3.64%$52.54
11,500 at 3.65%$52.61
11,500 at 3.66%$52.67
11,500 at 3.67%$52.74
11,500 at 3.68%$52.80
11,500 at 3.69%$52.87
11,500 at 3.7%$52.93
11,500 at 3.71%$53.00
11,500 at 3.72%$53.06
11,500 at 3.73%$53.13
11,500 at 3.74%$53.19
11,500 at 3.75%$53.26
11,500 at 3.76%$53.32
11,500 at 3.77%$53.39
11,500 at 3.78%$53.45
11,500 at 3.79%$53.52
11,500 at 3.8%$53.59
11,500 at 3.81%$53.65
11,500 at 3.82%$53.72
11,500 at 3.83%$53.78
11,500 at 3.84%$53.85
11,500 at 3.85%$53.91
11,500 at 3.86%$53.98
11,500 at 3.87%$54.04
11,500 at 3.88%$54.11
11,500 at 3.89%$54.18
11,500 at 3.9%$54.24
11,500 at 3.91%$54.31
11,500 at 3.92%$54.37
11,500 at 3.93%$54.44
11,500 at 3.94%$54.51
11,500 at 3.95%$54.57
11,500 at 3.96%$54.64
11,500 at 3.97%$54.70
11,500 at 3.98%$54.77
11,500 at 3.99%$54.84
11,500 at 4%$54.90
11,500 at 4.01%$54.97
11,500 at 4.02%$55.04
11,500 at 4.03%$55.10
11,500 at 4.04%$55.17
11,500 at 4.05%$55.23
11,500 at 4.06%$55.30
11,500 at 4.07%$55.37
11,500 at 4.08%$55.43
11,500 at 4.09%$55.50
11,500 at 4.1%$55.57
11,500 at 4.11%$55.63
11,500 at 4.12%$55.70
11,500 at 4.13%$55.77
11,500 at 4.14%$55.83
11,500 at 4.15%$55.90
11,500 at 4.16%$55.97
11,500 at 4.17%$56.04
11,500 at 4.18%$56.10
11,500 at 4.19%$56.17
11,500 at 4.2%$56.24
11,500 at 4.21%$56.30
11,500 at 4.22%$56.37
11,500 at 4.23%$56.44
11,500 at 4.24%$56.51
11,500 at 4.25%$56.57
11,500 at 4.26%$56.64
11,500 at 4.27%$56.71
11,500 at 4.28%$56.78
11,500 at 4.29%$56.84
11,500 at 4.3%$56.91
11,500 at 4.31%$56.98
11,500 at 4.32%$57.05
11,500 at 4.33%$57.11
11,500 at 4.34%$57.18
11,500 at 4.35%$57.25
11,500 at 4.36%$57.32
11,500 at 4.37%$57.38
11,500 at 4.38%$57.45
11,500 at 4.39%$57.52
11,500 at 4.4%$57.59
11,500 at 4.41%$57.66
11,500 at 4.42%$57.72
11,500 at 4.43%$57.79
11,500 at 4.44%$57.86
11,500 at 4.45%$57.93
11,500 at 4.46%$58.00
11,500 at 4.47%$58.06
11,500 at 4.48%$58.13
11,500 at 4.49%$58.20
11,500 at 4.5%$58.27
11,500 at 4.51%$58.34
11,500 at 4.52%$58.41
11,500 at 4.53%$58.47
11,500 at 4.54%$58.54
11,500 at 4.55%$58.61
11,500 at 4.56%$58.68
11,500 at 4.57%$58.75
11,500 at 4.58%$58.82
11,500 at 4.59%$58.89
11,500 at 4.6%$58.95
11,500 at 4.61%$59.02
11,500 at 4.62%$59.09
11,500 at 4.63%$59.16
11,500 at 4.64%$59.23
11,500 at 4.65%$59.30
11,500 at 4.66%$59.37
11,500 at 4.67%$59.44
11,500 at 4.68%$59.51
11,500 at 4.69%$59.57
11,500 at 4.7%$59.64
11,500 at 4.71%$59.71
11,500 at 4.72%$59.78
11,500 at 4.73%$59.85
11,500 at 4.74%$59.92
11,500 at 4.75%$59.99
11,500 at 4.76%$60.06
11,500 at 4.77%$60.13
11,500 at 4.78%$60.20
11,500 at 4.79%$60.27
11,500 at 4.8%$60.34
11,500 at 4.81%$60.41
11,500 at 4.82%$60.48
11,500 at 4.83%$60.55
11,500 at 4.84%$60.61
11,500 at 4.85%$60.68
11,500 at 4.86%$60.75
11,500 at 4.87%$60.82
11,500 at 4.88%$60.89
11,500 at 4.89%$60.96
11,500 at 4.9%$61.03
11,500 at 4.91%$61.10
11,500 at 4.92%$61.17
11,500 at 4.93%$61.24
11,500 at 4.94%$61.31
11,500 at 4.95%$61.38
11,500 at 4.96%$61.45
11,500 at 4.97%$61.52
11,500 at 4.98%$61.59
11,500 at 4.99%$61.66
11,500 at 5%$61.73
Interest Rate 30 Year
11,500 at 5.01%$61.80
11,500 at 5.02%$61.88
11,500 at 5.03%$61.95
11,500 at 5.04%$62.02
11,500 at 5.05%$62.09
11,500 at 5.06%$62.16
11,500 at 5.07%$62.23
11,500 at 5.08%$62.30
11,500 at 5.09%$62.37
11,500 at 5.1%$62.44
11,500 at 5.11%$62.51
11,500 at 5.12%$62.58
11,500 at 5.13%$62.65
11,500 at 5.14%$62.72
11,500 at 5.15%$62.79
11,500 at 5.16%$62.86
11,500 at 5.17%$62.93
11,500 at 5.18%$63.01
11,500 at 5.19%$63.08
11,500 at 5.2%$63.15
11,500 at 5.21%$63.22
11,500 at 5.22%$63.29
11,500 at 5.23%$63.36
11,500 at 5.24%$63.43
11,500 at 5.25%$63.50
11,500 at 5.26%$63.57
11,500 at 5.27%$63.65
11,500 at 5.28%$63.72
11,500 at 5.29%$63.79
11,500 at 5.3%$63.86
11,500 at 5.31%$63.93
11,500 at 5.32%$64.00
11,500 at 5.33%$64.07
11,500 at 5.34%$64.15
11,500 at 5.35%$64.22
11,500 at 5.36%$64.29
11,500 at 5.37%$64.36
11,500 at 5.38%$64.43
11,500 at 5.39%$64.50
11,500 at 5.4%$64.58
11,500 at 5.41%$64.65
11,500 at 5.42%$64.72
11,500 at 5.43%$64.79
11,500 at 5.44%$64.86
11,500 at 5.45%$64.94
11,500 at 5.46%$65.01
11,500 at 5.47%$65.08
11,500 at 5.48%$65.15
11,500 at 5.49%$65.22
11,500 at 5.5%$65.30
11,500 at 5.51%$65.37
11,500 at 5.52%$65.44
11,500 at 5.53%$65.51
11,500 at 5.54%$65.58
11,500 at 5.55%$65.66
11,500 at 5.56%$65.73
11,500 at 5.57%$65.80
11,500 at 5.58%$65.87
11,500 at 5.59%$65.95
11,500 at 5.6%$66.02
11,500 at 5.61%$66.09
11,500 at 5.62%$66.16
11,500 at 5.63%$66.24
11,500 at 5.64%$66.31
11,500 at 5.65%$66.38
11,500 at 5.66%$66.45
11,500 at 5.67%$66.53
11,500 at 5.68%$66.60
11,500 at 5.69%$66.67
11,500 at 5.7%$66.75
11,500 at 5.71%$66.82
11,500 at 5.72%$66.89
11,500 at 5.73%$66.96
11,500 at 5.74%$67.04
11,500 at 5.75%$67.11
11,500 at 5.76%$67.18
11,500 at 5.77%$67.26
11,500 at 5.78%$67.33
11,500 at 5.79%$67.40
11,500 at 5.8%$67.48
11,500 at 5.81%$67.55
11,500 at 5.82%$67.62
11,500 at 5.83%$67.70
11,500 at 5.84%$67.77
11,500 at 5.85%$67.84
11,500 at 5.86%$67.92
11,500 at 5.87%$67.99
11,500 at 5.88%$68.06
11,500 at 5.89%$68.14
11,500 at 5.9%$68.21
11,500 at 5.91%$68.28
11,500 at 5.92%$68.36
11,500 at 5.93%$68.43
11,500 at 5.94%$68.51
11,500 at 5.95%$68.58
11,500 at 5.96%$68.65
11,500 at 5.97%$68.73
11,500 at 5.98%$68.80
11,500 at 5.99%$68.87
11,500 at 6%$68.95
11,500 at 6.01%$69.02
11,500 at 6.02%$69.10
11,500 at 6.03%$69.17
11,500 at 6.04%$69.24
11,500 at 6.05%$69.32
11,500 at 6.06%$69.39
11,500 at 6.07%$69.47
11,500 at 6.08%$69.54
11,500 at 6.09%$69.62
11,500 at 6.1%$69.69
11,500 at 6.11%$69.76
11,500 at 6.12%$69.84
11,500 at 6.13%$69.91
11,500 at 6.14%$69.99
11,500 at 6.15%$70.06
11,500 at 6.16%$70.14
11,500 at 6.17%$70.21
11,500 at 6.18%$70.28
11,500 at 6.19%$70.36
11,500 at 6.2%$70.43
11,500 at 6.21%$70.51
11,500 at 6.22%$70.58
11,500 at 6.23%$70.66
11,500 at 6.24%$70.73
11,500 at 6.25%$70.81
11,500 at 6.26%$70.88
11,500 at 6.27%$70.96
11,500 at 6.28%$71.03
11,500 at 6.29%$71.11
11,500 at 6.3%$71.18
11,500 at 6.31%$71.26
11,500 at 6.32%$71.33
11,500 at 6.33%$71.41
11,500 at 6.34%$71.48
11,500 at 6.35%$71.56
11,500 at 6.36%$71.63
11,500 at 6.37%$71.71
11,500 at 6.38%$71.78
11,500 at 6.39%$71.86
11,500 at 6.4%$71.93
11,500 at 6.41%$72.01
11,500 at 6.42%$72.08
11,500 at 6.43%$72.16
11,500 at 6.44%$72.23
11,500 at 6.45%$72.31
11,500 at 6.46%$72.39
11,500 at 6.47%$72.46
11,500 at 6.48%$72.54
11,500 at 6.49%$72.61
11,500 at 6.5%$72.69
Interest Rate 30 Year
11,500 at 6.51%$72.76
11,500 at 6.52%$72.84
11,500 at 6.53%$72.91
11,500 at 6.54%$72.99
11,500 at 6.55%$73.07
11,500 at 6.56%$73.14
11,500 at 6.57%$73.22
11,500 at 6.58%$73.29
11,500 at 6.59%$73.37
11,500 at 6.6%$73.45
11,500 at 6.61%$73.52
11,500 at 6.62%$73.60
11,500 at 6.63%$73.67
11,500 at 6.64%$73.75
11,500 at 6.65%$73.83
11,500 at 6.66%$73.90
11,500 at 6.67%$73.98
11,500 at 6.68%$74.05
11,500 at 6.69%$74.13
11,500 at 6.7%$74.21
11,500 at 6.71%$74.28
11,500 at 6.72%$74.36
11,500 at 6.73%$74.44
11,500 at 6.74%$74.51
11,500 at 6.75%$74.59
11,500 at 6.76%$74.67
11,500 at 6.77%$74.74
11,500 at 6.78%$74.82
11,500 at 6.79%$74.89
11,500 at 6.8%$74.97
11,500 at 6.81%$75.05
11,500 at 6.82%$75.12
11,500 at 6.83%$75.20
11,500 at 6.84%$75.28
11,500 at 6.85%$75.35
11,500 at 6.86%$75.43
11,500 at 6.87%$75.51
11,500 at 6.88%$75.59
11,500 at 6.89%$75.66
11,500 at 6.9%$75.74
11,500 at 6.91%$75.82
11,500 at 6.92%$75.89
11,500 at 6.93%$75.97
11,500 at 6.94%$76.05
11,500 at 6.95%$76.12
11,500 at 6.96%$76.20
11,500 at 6.97%$76.28
11,500 at 6.98%$76.36
11,500 at 6.99%$76.43
11,500 at 7%$76.51
11,500 at 7.01%$76.59
11,500 at 7.02%$76.66
11,500 at 7.03%$76.74
11,500 at 7.04%$76.82
11,500 at 7.05%$76.90
11,500 at 7.06%$76.97
11,500 at 7.07%$77.05
11,500 at 7.08%$77.13
11,500 at 7.09%$77.21
11,500 at 7.1%$77.28
11,500 at 7.11%$77.36
11,500 at 7.12%$77.44
11,500 at 7.13%$77.52
11,500 at 7.14%$77.59
11,500 at 7.15%$77.67
11,500 at 7.16%$77.75
11,500 at 7.17%$77.83
11,500 at 7.18%$77.91
11,500 at 7.19%$77.98
11,500 at 7.2%$78.06
11,500 at 7.21%$78.14
11,500 at 7.22%$78.22
11,500 at 7.23%$78.29
11,500 at 7.24%$78.37
11,500 at 7.25%$78.45
11,500 at 7.26%$78.53
11,500 at 7.27%$78.61
11,500 at 7.28%$78.68
11,500 at 7.29%$78.76
11,500 at 7.3%$78.84
11,500 at 7.31%$78.92
11,500 at 7.32%$79.00
11,500 at 7.33%$79.08
11,500 at 7.34%$79.15
11,500 at 7.35%$79.23
11,500 at 7.36%$79.31
11,500 at 7.37%$79.39
11,500 at 7.38%$79.47
11,500 at 7.39%$79.55
11,500 at 7.4%$79.62
11,500 at 7.41%$79.70
11,500 at 7.42%$79.78
11,500 at 7.43%$79.86
11,500 at 7.44%$79.94
11,500 at 7.45%$80.02
11,500 at 7.46%$80.09
11,500 at 7.47%$80.17
11,500 at 7.48%$80.25
11,500 at 7.49%$80.33
11,500 at 7.5%$80.41
11,500 at 7.51%$80.49
11,500 at 7.52%$80.57
11,500 at 7.53%$80.65
11,500 at 7.54%$80.72
11,500 at 7.55%$80.80
11,500 at 7.56%$80.88
11,500 at 7.57%$80.96
11,500 at 7.58%$81.04
11,500 at 7.59%$81.12
11,500 at 7.6%$81.20
11,500 at 7.61%$81.28
11,500 at 7.62%$81.36
11,500 at 7.63%$81.44
11,500 at 7.64%$81.51
11,500 at 7.65%$81.59
11,500 at 7.66%$81.67
11,500 at 7.67%$81.75
11,500 at 7.68%$81.83
11,500 at 7.69%$81.91
11,500 at 7.7%$81.99
11,500 at 7.71%$82.07
11,500 at 7.72%$82.15
11,500 at 7.73%$82.23
11,500 at 7.74%$82.31
11,500 at 7.75%$82.39
11,500 at 7.76%$82.47
11,500 at 7.77%$82.55
11,500 at 7.78%$82.63
11,500 at 7.79%$82.71
11,500 at 7.8%$82.79
11,500 at 7.81%$82.86
11,500 at 7.82%$82.94
11,500 at 7.83%$83.02
11,500 at 7.84%$83.10
11,500 at 7.85%$83.18
11,500 at 7.86%$83.26
11,500 at 7.87%$83.34
11,500 at 7.88%$83.42
11,500 at 7.89%$83.50
11,500 at 7.9%$83.58
11,500 at 7.91%$83.66
11,500 at 7.92%$83.74
11,500 at 7.93%$83.82
11,500 at 7.94%$83.90
11,500 at 7.95%$83.98
11,500 at 7.96%$84.06
11,500 at 7.97%$84.14
11,500 at 7.98%$84.22
11,500 at 7.99%$84.30
11,500 at 8%$84.38
More Amounts
What is the down payment for a $11,500 house? How much do you need to put down?
Percent Down Down Payment
1%115
2%230
3%345
4%460
5%575
6%690
7%805
8%920
9%1,035
10%1,150
11%1,265
12%1,380
13%1,495
14%1,610
15%1,725
16%1,840
17%1,955
18%2,070
19%2,185
20%2,300
Percent Down Down Payment
21%2,415
22%2,530
23%2,645
24%2,760
25%2,875
26%2,990
27%3,105
28%3,220
29%3,335
30%3,450
31%3,565
32%3,680
33%3,795
34%3,910
35%4,025
36%4,140
37%4,255
38%4,370
39%4,485
40%4,600
Percent Down Down Payment
41%4,715
42%4,830
43%4,945
44%5,060
45%5,175
46%5,290
47%5,405
48%5,520
49%5,635
50%5,750
51%5,865
52%5,980
53%6,095
54%6,210
55%6,325
56%6,440
57%6,555
58%6,670
59%6,785
60%6,900
Percent Down Down Payment
61%7,015
62%7,130
63%7,245
64%7,360
65%7,475
66%7,590
67%7,705
68%7,820
69%7,935
70%8,050
71%8,165
72%8,280
73%8,395
74%8,510
75%8,625
76%8,740
77%8,855
78%8,970
79%9,085
80%9,200
Percent Down Down Payment
81%9,315
82%9,430
83%9,545
84%9,660
85%9,775
86%9,890
87%10,005
88%10,120
89%10,235
90%10,350
91%10,465
92%10,580
93%10,695
94%10,810
95%10,925
96%11,040
97%11,155
98%11,270
99%11,385
100%11,500
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.