$12,600 Mortgage for 30 Years

What is the monthly payment of a 12,600 dollar loan?
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Loan Tables for a $12,600 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 13k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $12,600 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
12,600 at 2.01%$46.64
12,600 at 2.02%$46.70
12,600 at 2.03%$46.76
12,600 at 2.04%$46.82
12,600 at 2.05%$46.89
12,600 at 2.06%$46.95
12,600 at 2.07%$47.01
12,600 at 2.08%$47.08
12,600 at 2.09%$47.14
12,600 at 2.1%$47.20
12,600 at 2.11%$47.27
12,600 at 2.12%$47.33
12,600 at 2.13%$47.40
12,600 at 2.14%$47.46
12,600 at 2.15%$47.52
12,600 at 2.16%$47.59
12,600 at 2.17%$47.65
12,600 at 2.18%$47.71
12,600 at 2.19%$47.78
12,600 at 2.2%$47.84
12,600 at 2.21%$47.91
12,600 at 2.22%$47.97
12,600 at 2.23%$48.03
12,600 at 2.24%$48.10
12,600 at 2.25%$48.16
12,600 at 2.26%$48.23
12,600 at 2.27%$48.29
12,600 at 2.28%$48.36
12,600 at 2.29%$48.42
12,600 at 2.3%$48.48
12,600 at 2.31%$48.55
12,600 at 2.32%$48.61
12,600 at 2.33%$48.68
12,600 at 2.34%$48.74
12,600 at 2.35%$48.81
12,600 at 2.36%$48.87
12,600 at 2.37%$48.94
12,600 at 2.38%$49.00
12,600 at 2.39%$49.07
12,600 at 2.4%$49.13
12,600 at 2.41%$49.20
12,600 at 2.42%$49.26
12,600 at 2.43%$49.33
12,600 at 2.44%$49.39
12,600 at 2.45%$49.46
12,600 at 2.46%$49.52
12,600 at 2.47%$49.59
12,600 at 2.48%$49.65
12,600 at 2.49%$49.72
12,600 at 2.5%$49.79
12,600 at 2.51%$49.85
12,600 at 2.52%$49.92
12,600 at 2.53%$49.98
12,600 at 2.54%$50.05
12,600 at 2.55%$50.11
12,600 at 2.56%$50.18
12,600 at 2.57%$50.25
12,600 at 2.58%$50.31
12,600 at 2.59%$50.38
12,600 at 2.6%$50.44
12,600 at 2.61%$50.51
12,600 at 2.62%$50.57
12,600 at 2.63%$50.64
12,600 at 2.64%$50.71
12,600 at 2.65%$50.77
12,600 at 2.66%$50.84
12,600 at 2.67%$50.91
12,600 at 2.68%$50.97
12,600 at 2.69%$51.04
12,600 at 2.7%$51.11
12,600 at 2.71%$51.17
12,600 at 2.72%$51.24
12,600 at 2.73%$51.31
12,600 at 2.74%$51.37
12,600 at 2.75%$51.44
12,600 at 2.76%$51.51
12,600 at 2.77%$51.57
12,600 at 2.78%$51.64
12,600 at 2.79%$51.71
12,600 at 2.8%$51.77
12,600 at 2.81%$51.84
12,600 at 2.82%$51.91
12,600 at 2.83%$51.97
12,600 at 2.84%$52.04
12,600 at 2.85%$52.11
12,600 at 2.86%$52.18
12,600 at 2.87%$52.24
12,600 at 2.88%$52.31
12,600 at 2.89%$52.38
12,600 at 2.9%$52.44
12,600 at 2.91%$52.51
12,600 at 2.92%$52.58
12,600 at 2.93%$52.65
12,600 at 2.94%$52.72
12,600 at 2.95%$52.78
12,600 at 2.96%$52.85
12,600 at 2.97%$52.92
12,600 at 2.98%$52.99
12,600 at 2.99%$53.05
12,600 at 3%$53.12
12,600 at 3.01%$53.19
12,600 at 3.02%$53.26
12,600 at 3.03%$53.33
12,600 at 3.04%$53.39
12,600 at 3.05%$53.46
12,600 at 3.06%$53.53
12,600 at 3.07%$53.60
12,600 at 3.08%$53.67
12,600 at 3.09%$53.74
12,600 at 3.1%$53.80
12,600 at 3.11%$53.87
12,600 at 3.12%$53.94
12,600 at 3.13%$54.01
12,600 at 3.14%$54.08
12,600 at 3.15%$54.15
12,600 at 3.16%$54.22
12,600 at 3.17%$54.28
12,600 at 3.18%$54.35
12,600 at 3.19%$54.42
12,600 at 3.2%$54.49
12,600 at 3.21%$54.56
12,600 at 3.22%$54.63
12,600 at 3.23%$54.70
12,600 at 3.24%$54.77
12,600 at 3.25%$54.84
12,600 at 3.26%$54.91
12,600 at 3.27%$54.97
12,600 at 3.28%$55.04
12,600 at 3.29%$55.11
12,600 at 3.3%$55.18
12,600 at 3.31%$55.25
12,600 at 3.32%$55.32
12,600 at 3.33%$55.39
12,600 at 3.34%$55.46
12,600 at 3.35%$55.53
12,600 at 3.36%$55.60
12,600 at 3.37%$55.67
12,600 at 3.38%$55.74
12,600 at 3.39%$55.81
12,600 at 3.4%$55.88
12,600 at 3.41%$55.95
12,600 at 3.42%$56.02
12,600 at 3.43%$56.09
12,600 at 3.44%$56.16
12,600 at 3.45%$56.23
12,600 at 3.46%$56.30
12,600 at 3.47%$56.37
12,600 at 3.48%$56.44
12,600 at 3.49%$56.51
12,600 at 3.5%$56.58
Interest Rate 30 Year
12,600 at 3.51%$56.65
12,600 at 3.52%$56.72
12,600 at 3.53%$56.79
12,600 at 3.54%$56.86
12,600 at 3.55%$56.93
12,600 at 3.56%$57.00
12,600 at 3.57%$57.07
12,600 at 3.58%$57.14
12,600 at 3.59%$57.21
12,600 at 3.6%$57.29
12,600 at 3.61%$57.36
12,600 at 3.62%$57.43
12,600 at 3.63%$57.50
12,600 at 3.64%$57.57
12,600 at 3.65%$57.64
12,600 at 3.66%$57.71
12,600 at 3.67%$57.78
12,600 at 3.68%$57.85
12,600 at 3.69%$57.92
12,600 at 3.7%$58.00
12,600 at 3.71%$58.07
12,600 at 3.72%$58.14
12,600 at 3.73%$58.21
12,600 at 3.74%$58.28
12,600 at 3.75%$58.35
12,600 at 3.76%$58.42
12,600 at 3.77%$58.50
12,600 at 3.78%$58.57
12,600 at 3.79%$58.64
12,600 at 3.8%$58.71
12,600 at 3.81%$58.78
12,600 at 3.82%$58.85
12,600 at 3.83%$58.93
12,600 at 3.84%$59.00
12,600 at 3.85%$59.07
12,600 at 3.86%$59.14
12,600 at 3.87%$59.21
12,600 at 3.88%$59.29
12,600 at 3.89%$59.36
12,600 at 3.9%$59.43
12,600 at 3.91%$59.50
12,600 at 3.92%$59.57
12,600 at 3.93%$59.65
12,600 at 3.94%$59.72
12,600 at 3.95%$59.79
12,600 at 3.96%$59.86
12,600 at 3.97%$59.94
12,600 at 3.98%$60.01
12,600 at 3.99%$60.08
12,600 at 4%$60.15
12,600 at 4.01%$60.23
12,600 at 4.02%$60.30
12,600 at 4.03%$60.37
12,600 at 4.04%$60.45
12,600 at 4.05%$60.52
12,600 at 4.06%$60.59
12,600 at 4.07%$60.66
12,600 at 4.08%$60.74
12,600 at 4.09%$60.81
12,600 at 4.1%$60.88
12,600 at 4.11%$60.96
12,600 at 4.12%$61.03
12,600 at 4.13%$61.10
12,600 at 4.14%$61.18
12,600 at 4.15%$61.25
12,600 at 4.16%$61.32
12,600 at 4.17%$61.40
12,600 at 4.18%$61.47
12,600 at 4.19%$61.54
12,600 at 4.2%$61.62
12,600 at 4.21%$61.69
12,600 at 4.22%$61.76
12,600 at 4.23%$61.84
12,600 at 4.24%$61.91
12,600 at 4.25%$61.98
12,600 at 4.26%$62.06
12,600 at 4.27%$62.13
12,600 at 4.28%$62.21
12,600 at 4.29%$62.28
12,600 at 4.3%$62.35
12,600 at 4.31%$62.43
12,600 at 4.32%$62.50
12,600 at 4.33%$62.58
12,600 at 4.34%$62.65
12,600 at 4.35%$62.72
12,600 at 4.36%$62.80
12,600 at 4.37%$62.87
12,600 at 4.38%$62.95
12,600 at 4.39%$63.02
12,600 at 4.4%$63.10
12,600 at 4.41%$63.17
12,600 at 4.42%$63.24
12,600 at 4.43%$63.32
12,600 at 4.44%$63.39
12,600 at 4.45%$63.47
12,600 at 4.46%$63.54
12,600 at 4.47%$63.62
12,600 at 4.48%$63.69
12,600 at 4.49%$63.77
12,600 at 4.5%$63.84
12,600 at 4.51%$63.92
12,600 at 4.52%$63.99
12,600 at 4.53%$64.07
12,600 at 4.54%$64.14
12,600 at 4.55%$64.22
12,600 at 4.56%$64.29
12,600 at 4.57%$64.37
12,600 at 4.58%$64.44
12,600 at 4.59%$64.52
12,600 at 4.6%$64.59
12,600 at 4.61%$64.67
12,600 at 4.62%$64.74
12,600 at 4.63%$64.82
12,600 at 4.64%$64.89
12,600 at 4.65%$64.97
12,600 at 4.66%$65.05
12,600 at 4.67%$65.12
12,600 at 4.68%$65.20
12,600 at 4.69%$65.27
12,600 at 4.7%$65.35
12,600 at 4.71%$65.42
12,600 at 4.72%$65.50
12,600 at 4.73%$65.58
12,600 at 4.74%$65.65
12,600 at 4.75%$65.73
12,600 at 4.76%$65.80
12,600 at 4.77%$65.88
12,600 at 4.78%$65.96
12,600 at 4.79%$66.03
12,600 at 4.8%$66.11
12,600 at 4.81%$66.18
12,600 at 4.82%$66.26
12,600 at 4.83%$66.34
12,600 at 4.84%$66.41
12,600 at 4.85%$66.49
12,600 at 4.86%$66.57
12,600 at 4.87%$66.64
12,600 at 4.88%$66.72
12,600 at 4.89%$66.80
12,600 at 4.9%$66.87
12,600 at 4.91%$66.95
12,600 at 4.92%$67.02
12,600 at 4.93%$67.10
12,600 at 4.94%$67.18
12,600 at 4.95%$67.26
12,600 at 4.96%$67.33
12,600 at 4.97%$67.41
12,600 at 4.98%$67.49
12,600 at 4.99%$67.56
12,600 at 5%$67.64
Interest Rate 30 Year
12,600 at 5.01%$67.72
12,600 at 5.02%$67.79
12,600 at 5.03%$67.87
12,600 at 5.04%$67.95
12,600 at 5.05%$68.03
12,600 at 5.06%$68.10
12,600 at 5.07%$68.18
12,600 at 5.08%$68.26
12,600 at 5.09%$68.33
12,600 at 5.1%$68.41
12,600 at 5.11%$68.49
12,600 at 5.12%$68.57
12,600 at 5.13%$68.64
12,600 at 5.14%$68.72
12,600 at 5.15%$68.80
12,600 at 5.16%$68.88
12,600 at 5.17%$68.95
12,600 at 5.18%$69.03
12,600 at 5.19%$69.11
12,600 at 5.2%$69.19
12,600 at 5.21%$69.27
12,600 at 5.22%$69.34
12,600 at 5.23%$69.42
12,600 at 5.24%$69.50
12,600 at 5.25%$69.58
12,600 at 5.26%$69.66
12,600 at 5.27%$69.73
12,600 at 5.28%$69.81
12,600 at 5.29%$69.89
12,600 at 5.3%$69.97
12,600 at 5.31%$70.05
12,600 at 5.32%$70.12
12,600 at 5.33%$70.20
12,600 at 5.34%$70.28
12,600 at 5.35%$70.36
12,600 at 5.36%$70.44
12,600 at 5.37%$70.52
12,600 at 5.38%$70.60
12,600 at 5.39%$70.67
12,600 at 5.4%$70.75
12,600 at 5.41%$70.83
12,600 at 5.42%$70.91
12,600 at 5.43%$70.99
12,600 at 5.44%$71.07
12,600 at 5.45%$71.15
12,600 at 5.46%$71.23
12,600 at 5.47%$71.30
12,600 at 5.48%$71.38
12,600 at 5.49%$71.46
12,600 at 5.5%$71.54
12,600 at 5.51%$71.62
12,600 at 5.52%$71.70
12,600 at 5.53%$71.78
12,600 at 5.54%$71.86
12,600 at 5.55%$71.94
12,600 at 5.56%$72.02
12,600 at 5.57%$72.10
12,600 at 5.58%$72.18
12,600 at 5.59%$72.25
12,600 at 5.6%$72.33
12,600 at 5.61%$72.41
12,600 at 5.62%$72.49
12,600 at 5.63%$72.57
12,600 at 5.64%$72.65
12,600 at 5.65%$72.73
12,600 at 5.66%$72.81
12,600 at 5.67%$72.89
12,600 at 5.68%$72.97
12,600 at 5.69%$73.05
12,600 at 5.7%$73.13
12,600 at 5.71%$73.21
12,600 at 5.72%$73.29
12,600 at 5.73%$73.37
12,600 at 5.74%$73.45
12,600 at 5.75%$73.53
12,600 at 5.76%$73.61
12,600 at 5.77%$73.69
12,600 at 5.78%$73.77
12,600 at 5.79%$73.85
12,600 at 5.8%$73.93
12,600 at 5.81%$74.01
12,600 at 5.82%$74.09
12,600 at 5.83%$74.17
12,600 at 5.84%$74.25
12,600 at 5.85%$74.33
12,600 at 5.86%$74.41
12,600 at 5.87%$74.49
12,600 at 5.88%$74.57
12,600 at 5.89%$74.65
12,600 at 5.9%$74.74
12,600 at 5.91%$74.82
12,600 at 5.92%$74.90
12,600 at 5.93%$74.98
12,600 at 5.94%$75.06
12,600 at 5.95%$75.14
12,600 at 5.96%$75.22
12,600 at 5.97%$75.30
12,600 at 5.98%$75.38
12,600 at 5.99%$75.46
12,600 at 6%$75.54
12,600 at 6.01%$75.62
12,600 at 6.02%$75.71
12,600 at 6.03%$75.79
12,600 at 6.04%$75.87
12,600 at 6.05%$75.95
12,600 at 6.06%$76.03
12,600 at 6.07%$76.11
12,600 at 6.08%$76.19
12,600 at 6.09%$76.27
12,600 at 6.1%$76.36
12,600 at 6.11%$76.44
12,600 at 6.12%$76.52
12,600 at 6.13%$76.60
12,600 at 6.14%$76.68
12,600 at 6.15%$76.76
12,600 at 6.16%$76.84
12,600 at 6.17%$76.93
12,600 at 6.18%$77.01
12,600 at 6.19%$77.09
12,600 at 6.2%$77.17
12,600 at 6.21%$77.25
12,600 at 6.22%$77.33
12,600 at 6.23%$77.42
12,600 at 6.24%$77.50
12,600 at 6.25%$77.58
12,600 at 6.26%$77.66
12,600 at 6.27%$77.74
12,600 at 6.28%$77.83
12,600 at 6.29%$77.91
12,600 at 6.3%$77.99
12,600 at 6.31%$78.07
12,600 at 6.32%$78.15
12,600 at 6.33%$78.24
12,600 at 6.34%$78.32
12,600 at 6.35%$78.40
12,600 at 6.36%$78.48
12,600 at 6.37%$78.57
12,600 at 6.38%$78.65
12,600 at 6.39%$78.73
12,600 at 6.4%$78.81
12,600 at 6.41%$78.90
12,600 at 6.42%$78.98
12,600 at 6.43%$79.06
12,600 at 6.44%$79.14
12,600 at 6.45%$79.23
12,600 at 6.46%$79.31
12,600 at 6.47%$79.39
12,600 at 6.48%$79.47
12,600 at 6.49%$79.56
12,600 at 6.5%$79.64
Interest Rate 30 Year
12,600 at 6.51%$79.72
12,600 at 6.52%$79.81
12,600 at 6.53%$79.89
12,600 at 6.54%$79.97
12,600 at 6.55%$80.06
12,600 at 6.56%$80.14
12,600 at 6.57%$80.22
12,600 at 6.58%$80.30
12,600 at 6.59%$80.39
12,600 at 6.6%$80.47
12,600 at 6.61%$80.55
12,600 at 6.62%$80.64
12,600 at 6.63%$80.72
12,600 at 6.64%$80.80
12,600 at 6.65%$80.89
12,600 at 6.66%$80.97
12,600 at 6.67%$81.05
12,600 at 6.68%$81.14
12,600 at 6.69%$81.22
12,600 at 6.7%$81.31
12,600 at 6.71%$81.39
12,600 at 6.72%$81.47
12,600 at 6.73%$81.56
12,600 at 6.74%$81.64
12,600 at 6.75%$81.72
12,600 at 6.76%$81.81
12,600 at 6.77%$81.89
12,600 at 6.78%$81.97
12,600 at 6.79%$82.06
12,600 at 6.8%$82.14
12,600 at 6.81%$82.23
12,600 at 6.82%$82.31
12,600 at 6.83%$82.39
12,600 at 6.84%$82.48
12,600 at 6.85%$82.56
12,600 at 6.86%$82.65
12,600 at 6.87%$82.73
12,600 at 6.88%$82.82
12,600 at 6.89%$82.90
12,600 at 6.9%$82.98
12,600 at 6.91%$83.07
12,600 at 6.92%$83.15
12,600 at 6.93%$83.24
12,600 at 6.94%$83.32
12,600 at 6.95%$83.41
12,600 at 6.96%$83.49
12,600 at 6.97%$83.57
12,600 at 6.98%$83.66
12,600 at 6.99%$83.74
12,600 at 7%$83.83
12,600 at 7.01%$83.91
12,600 at 7.02%$84.00
12,600 at 7.03%$84.08
12,600 at 7.04%$84.17
12,600 at 7.05%$84.25
12,600 at 7.06%$84.34
12,600 at 7.07%$84.42
12,600 at 7.08%$84.51
12,600 at 7.09%$84.59
12,600 at 7.1%$84.68
12,600 at 7.11%$84.76
12,600 at 7.12%$84.85
12,600 at 7.13%$84.93
12,600 at 7.14%$85.02
12,600 at 7.15%$85.10
12,600 at 7.16%$85.19
12,600 at 7.17%$85.27
12,600 at 7.18%$85.36
12,600 at 7.19%$85.44
12,600 at 7.2%$85.53
12,600 at 7.21%$85.61
12,600 at 7.22%$85.70
12,600 at 7.23%$85.78
12,600 at 7.24%$85.87
12,600 at 7.25%$85.95
12,600 at 7.26%$86.04
12,600 at 7.27%$86.13
12,600 at 7.28%$86.21
12,600 at 7.29%$86.30
12,600 at 7.3%$86.38
12,600 at 7.31%$86.47
12,600 at 7.32%$86.55
12,600 at 7.33%$86.64
12,600 at 7.34%$86.72
12,600 at 7.35%$86.81
12,600 at 7.36%$86.90
12,600 at 7.37%$86.98
12,600 at 7.38%$87.07
12,600 at 7.39%$87.15
12,600 at 7.4%$87.24
12,600 at 7.41%$87.33
12,600 at 7.42%$87.41
12,600 at 7.43%$87.50
12,600 at 7.44%$87.58
12,600 at 7.45%$87.67
12,600 at 7.46%$87.76
12,600 at 7.47%$87.84
12,600 at 7.48%$87.93
12,600 at 7.49%$88.01
12,600 at 7.5%$88.10
12,600 at 7.51%$88.19
12,600 at 7.52%$88.27
12,600 at 7.53%$88.36
12,600 at 7.54%$88.45
12,600 at 7.55%$88.53
12,600 at 7.56%$88.62
12,600 at 7.57%$88.71
12,600 at 7.58%$88.79
12,600 at 7.59%$88.88
12,600 at 7.6%$88.97
12,600 at 7.61%$89.05
12,600 at 7.62%$89.14
12,600 at 7.63%$89.23
12,600 at 7.64%$89.31
12,600 at 7.65%$89.40
12,600 at 7.66%$89.49
12,600 at 7.67%$89.57
12,600 at 7.68%$89.66
12,600 at 7.69%$89.75
12,600 at 7.7%$89.83
12,600 at 7.71%$89.92
12,600 at 7.72%$90.01
12,600 at 7.73%$90.09
12,600 at 7.74%$90.18
12,600 at 7.75%$90.27
12,600 at 7.76%$90.36
12,600 at 7.77%$90.44
12,600 at 7.78%$90.53
12,600 at 7.79%$90.62
12,600 at 7.8%$90.70
12,600 at 7.81%$90.79
12,600 at 7.82%$90.88
12,600 at 7.83%$90.97
12,600 at 7.84%$91.05
12,600 at 7.85%$91.14
12,600 at 7.86%$91.23
12,600 at 7.87%$91.32
12,600 at 7.88%$91.40
12,600 at 7.89%$91.49
12,600 at 7.9%$91.58
12,600 at 7.91%$91.67
12,600 at 7.92%$91.75
12,600 at 7.93%$91.84
12,600 at 7.94%$91.93
12,600 at 7.95%$92.02
12,600 at 7.96%$92.10
12,600 at 7.97%$92.19
12,600 at 7.98%$92.28
12,600 at 7.99%$92.37
12,600 at 8%$92.45
More Amounts
What is the down payment for a $12,600 house? How much do you need to put down?
Percent Down Down Payment
1%126
2%252
3%378
4%504
5%630
6%756
7%882
8%1,008
9%1,134
10%1,260
11%1,386
12%1,512
13%1,638
14%1,764
15%1,890
16%2,016
17%2,142
18%2,268
19%2,394
20%2,520
Percent Down Down Payment
21%2,646
22%2,772
23%2,898
24%3,024
25%3,150
26%3,276
27%3,402
28%3,528
29%3,654
30%3,780
31%3,906
32%4,032
33%4,158
34%4,284
35%4,410
36%4,536
37%4,662
38%4,788
39%4,914
40%5,040
Percent Down Down Payment
41%5,166
42%5,292
43%5,418
44%5,544
45%5,670
46%5,796
47%5,922
48%6,048
49%6,174
50%6,300
51%6,426
52%6,552
53%6,678
54%6,804
55%6,930
56%7,056
57%7,182
58%7,308
59%7,434
60%7,560
Percent Down Down Payment
61%7,686
62%7,812
63%7,938
64%8,064
65%8,190
66%8,316
67%8,442
68%8,568
69%8,694
70%8,820
71%8,946
72%9,072
73%9,198
74%9,324
75%9,450
76%9,576
77%9,702
78%9,828
79%9,954
80%10,080
Percent Down Down Payment
81%10,206
82%10,332
83%10,458
84%10,584
85%10,710
86%10,836
87%10,962
88%11,088
89%11,214
90%11,340
91%11,466
92%11,592
93%11,718
94%11,844
95%11,970
96%12,096
97%12,222
98%12,348
99%12,474
100%12,600
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.