$13,050 Mortgage for 30 Years

What is the monthly payment of a 13,050 dollar loan?
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Loan Tables for a $13,050 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 $13,050 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
13,050 at 2.01%$48.30
13,050 at 2.02%$48.37
13,050 at 2.03%$48.43
13,050 at 2.04%$48.50
13,050 at 2.05%$48.56
13,050 at 2.06%$48.63
13,050 at 2.07%$48.69
13,050 at 2.08%$48.76
13,050 at 2.09%$48.82
13,050 at 2.1%$48.89
13,050 at 2.11%$48.96
13,050 at 2.12%$49.02
13,050 at 2.13%$49.09
13,050 at 2.14%$49.15
13,050 at 2.15%$49.22
13,050 at 2.16%$49.29
13,050 at 2.17%$49.35
13,050 at 2.18%$49.42
13,050 at 2.19%$49.48
13,050 at 2.2%$49.55
13,050 at 2.21%$49.62
13,050 at 2.22%$49.68
13,050 at 2.23%$49.75
13,050 at 2.24%$49.82
13,050 at 2.25%$49.88
13,050 at 2.26%$49.95
13,050 at 2.27%$50.02
13,050 at 2.28%$50.08
13,050 at 2.29%$50.15
13,050 at 2.3%$50.22
13,050 at 2.31%$50.28
13,050 at 2.32%$50.35
13,050 at 2.33%$50.42
13,050 at 2.34%$50.48
13,050 at 2.35%$50.55
13,050 at 2.36%$50.62
13,050 at 2.37%$50.69
13,050 at 2.38%$50.75
13,050 at 2.39%$50.82
13,050 at 2.4%$50.89
13,050 at 2.41%$50.95
13,050 at 2.42%$51.02
13,050 at 2.43%$51.09
13,050 at 2.44%$51.16
13,050 at 2.45%$51.22
13,050 at 2.46%$51.29
13,050 at 2.47%$51.36
13,050 at 2.48%$51.43
13,050 at 2.49%$51.50
13,050 at 2.5%$51.56
13,050 at 2.51%$51.63
13,050 at 2.52%$51.70
13,050 at 2.53%$51.77
13,050 at 2.54%$51.84
13,050 at 2.55%$51.90
13,050 at 2.56%$51.97
13,050 at 2.57%$52.04
13,050 at 2.58%$52.11
13,050 at 2.59%$52.18
13,050 at 2.6%$52.24
13,050 at 2.61%$52.31
13,050 at 2.62%$52.38
13,050 at 2.63%$52.45
13,050 at 2.64%$52.52
13,050 at 2.65%$52.59
13,050 at 2.66%$52.66
13,050 at 2.67%$52.72
13,050 at 2.68%$52.79
13,050 at 2.69%$52.86
13,050 at 2.7%$52.93
13,050 at 2.71%$53.00
13,050 at 2.72%$53.07
13,050 at 2.73%$53.14
13,050 at 2.74%$53.21
13,050 at 2.75%$53.28
13,050 at 2.76%$53.34
13,050 at 2.77%$53.41
13,050 at 2.78%$53.48
13,050 at 2.79%$53.55
13,050 at 2.8%$53.62
13,050 at 2.81%$53.69
13,050 at 2.82%$53.76
13,050 at 2.83%$53.83
13,050 at 2.84%$53.90
13,050 at 2.85%$53.97
13,050 at 2.86%$54.04
13,050 at 2.87%$54.11
13,050 at 2.88%$54.18
13,050 at 2.89%$54.25
13,050 at 2.9%$54.32
13,050 at 2.91%$54.39
13,050 at 2.92%$54.46
13,050 at 2.93%$54.53
13,050 at 2.94%$54.60
13,050 at 2.95%$54.67
13,050 at 2.96%$54.74
13,050 at 2.97%$54.81
13,050 at 2.98%$54.88
13,050 at 2.99%$54.95
13,050 at 3%$55.02
13,050 at 3.01%$55.09
13,050 at 3.02%$55.16
13,050 at 3.03%$55.23
13,050 at 3.04%$55.30
13,050 at 3.05%$55.37
13,050 at 3.06%$55.44
13,050 at 3.07%$55.51
13,050 at 3.08%$55.58
13,050 at 3.09%$55.65
13,050 at 3.1%$55.73
13,050 at 3.11%$55.80
13,050 at 3.12%$55.87
13,050 at 3.13%$55.94
13,050 at 3.14%$56.01
13,050 at 3.15%$56.08
13,050 at 3.16%$56.15
13,050 at 3.17%$56.22
13,050 at 3.18%$56.29
13,050 at 3.19%$56.37
13,050 at 3.2%$56.44
13,050 at 3.21%$56.51
13,050 at 3.22%$56.58
13,050 at 3.23%$56.65
13,050 at 3.24%$56.72
13,050 at 3.25%$56.79
13,050 at 3.26%$56.87
13,050 at 3.27%$56.94
13,050 at 3.28%$57.01
13,050 at 3.29%$57.08
13,050 at 3.3%$57.15
13,050 at 3.31%$57.23
13,050 at 3.32%$57.30
13,050 at 3.33%$57.37
13,050 at 3.34%$57.44
13,050 at 3.35%$57.51
13,050 at 3.36%$57.59
13,050 at 3.37%$57.66
13,050 at 3.38%$57.73
13,050 at 3.39%$57.80
13,050 at 3.4%$57.87
13,050 at 3.41%$57.95
13,050 at 3.42%$58.02
13,050 at 3.43%$58.09
13,050 at 3.44%$58.16
13,050 at 3.45%$58.24
13,050 at 3.46%$58.31
13,050 at 3.47%$58.38
13,050 at 3.48%$58.45
13,050 at 3.49%$58.53
13,050 at 3.5%$58.60
Interest Rate 30 Year
13,050 at 3.51%$58.67
13,050 at 3.52%$58.75
13,050 at 3.53%$58.82
13,050 at 3.54%$58.89
13,050 at 3.55%$58.97
13,050 at 3.56%$59.04
13,050 at 3.57%$59.11
13,050 at 3.58%$59.18
13,050 at 3.59%$59.26
13,050 at 3.6%$59.33
13,050 at 3.61%$59.40
13,050 at 3.62%$59.48
13,050 at 3.63%$59.55
13,050 at 3.64%$59.62
13,050 at 3.65%$59.70
13,050 at 3.66%$59.77
13,050 at 3.67%$59.85
13,050 at 3.68%$59.92
13,050 at 3.69%$59.99
13,050 at 3.7%$60.07
13,050 at 3.71%$60.14
13,050 at 3.72%$60.21
13,050 at 3.73%$60.29
13,050 at 3.74%$60.36
13,050 at 3.75%$60.44
13,050 at 3.76%$60.51
13,050 at 3.77%$60.58
13,050 at 3.78%$60.66
13,050 at 3.79%$60.73
13,050 at 3.8%$60.81
13,050 at 3.81%$60.88
13,050 at 3.82%$60.96
13,050 at 3.83%$61.03
13,050 at 3.84%$61.10
13,050 at 3.85%$61.18
13,050 at 3.86%$61.25
13,050 at 3.87%$61.33
13,050 at 3.88%$61.40
13,050 at 3.89%$61.48
13,050 at 3.9%$61.55
13,050 at 3.91%$61.63
13,050 at 3.92%$61.70
13,050 at 3.93%$61.78
13,050 at 3.94%$61.85
13,050 at 3.95%$61.93
13,050 at 3.96%$62.00
13,050 at 3.97%$62.08
13,050 at 3.98%$62.15
13,050 at 3.99%$62.23
13,050 at 4%$62.30
13,050 at 4.01%$62.38
13,050 at 4.02%$62.45
13,050 at 4.03%$62.53
13,050 at 4.04%$62.60
13,050 at 4.05%$62.68
13,050 at 4.06%$62.75
13,050 at 4.07%$62.83
13,050 at 4.08%$62.91
13,050 at 4.09%$62.98
13,050 at 4.1%$63.06
13,050 at 4.11%$63.13
13,050 at 4.12%$63.21
13,050 at 4.13%$63.28
13,050 at 4.14%$63.36
13,050 at 4.15%$63.44
13,050 at 4.16%$63.51
13,050 at 4.17%$63.59
13,050 at 4.18%$63.66
13,050 at 4.19%$63.74
13,050 at 4.2%$63.82
13,050 at 4.21%$63.89
13,050 at 4.22%$63.97
13,050 at 4.23%$64.05
13,050 at 4.24%$64.12
13,050 at 4.25%$64.20
13,050 at 4.26%$64.27
13,050 at 4.27%$64.35
13,050 at 4.28%$64.43
13,050 at 4.29%$64.50
13,050 at 4.3%$64.58
13,050 at 4.31%$64.66
13,050 at 4.32%$64.73
13,050 at 4.33%$64.81
13,050 at 4.34%$64.89
13,050 at 4.35%$64.96
13,050 at 4.36%$65.04
13,050 at 4.37%$65.12
13,050 at 4.38%$65.20
13,050 at 4.39%$65.27
13,050 at 4.4%$65.35
13,050 at 4.41%$65.43
13,050 at 4.42%$65.50
13,050 at 4.43%$65.58
13,050 at 4.44%$65.66
13,050 at 4.45%$65.74
13,050 at 4.46%$65.81
13,050 at 4.47%$65.89
13,050 at 4.48%$65.97
13,050 at 4.49%$66.04
13,050 at 4.5%$66.12
13,050 at 4.51%$66.20
13,050 at 4.52%$66.28
13,050 at 4.53%$66.36
13,050 at 4.54%$66.43
13,050 at 4.55%$66.51
13,050 at 4.56%$66.59
13,050 at 4.57%$66.67
13,050 at 4.58%$66.74
13,050 at 4.59%$66.82
13,050 at 4.6%$66.90
13,050 at 4.61%$66.98
13,050 at 4.62%$67.06
13,050 at 4.63%$67.13
13,050 at 4.64%$67.21
13,050 at 4.65%$67.29
13,050 at 4.66%$67.37
13,050 at 4.67%$67.45
13,050 at 4.68%$67.53
13,050 at 4.69%$67.60
13,050 at 4.7%$67.68
13,050 at 4.71%$67.76
13,050 at 4.72%$67.84
13,050 at 4.73%$67.92
13,050 at 4.74%$68.00
13,050 at 4.75%$68.07
13,050 at 4.76%$68.15
13,050 at 4.77%$68.23
13,050 at 4.78%$68.31
13,050 at 4.79%$68.39
13,050 at 4.8%$68.47
13,050 at 4.81%$68.55
13,050 at 4.82%$68.63
13,050 at 4.83%$68.71
13,050 at 4.84%$68.78
13,050 at 4.85%$68.86
13,050 at 4.86%$68.94
13,050 at 4.87%$69.02
13,050 at 4.88%$69.10
13,050 at 4.89%$69.18
13,050 at 4.9%$69.26
13,050 at 4.91%$69.34
13,050 at 4.92%$69.42
13,050 at 4.93%$69.50
13,050 at 4.94%$69.58
13,050 at 4.95%$69.66
13,050 at 4.96%$69.74
13,050 at 4.97%$69.82
13,050 at 4.98%$69.90
13,050 at 4.99%$69.98
13,050 at 5%$70.06
Interest Rate 30 Year
13,050 at 5.01%$70.13
13,050 at 5.02%$70.21
13,050 at 5.03%$70.29
13,050 at 5.04%$70.37
13,050 at 5.05%$70.45
13,050 at 5.06%$70.53
13,050 at 5.07%$70.61
13,050 at 5.08%$70.69
13,050 at 5.09%$70.77
13,050 at 5.1%$70.85
13,050 at 5.11%$70.94
13,050 at 5.12%$71.02
13,050 at 5.13%$71.10
13,050 at 5.14%$71.18
13,050 at 5.15%$71.26
13,050 at 5.16%$71.34
13,050 at 5.17%$71.42
13,050 at 5.18%$71.50
13,050 at 5.19%$71.58
13,050 at 5.2%$71.66
13,050 at 5.21%$71.74
13,050 at 5.22%$71.82
13,050 at 5.23%$71.90
13,050 at 5.24%$71.98
13,050 at 5.25%$72.06
13,050 at 5.26%$72.14
13,050 at 5.27%$72.22
13,050 at 5.28%$72.31
13,050 at 5.29%$72.39
13,050 at 5.3%$72.47
13,050 at 5.31%$72.55
13,050 at 5.32%$72.63
13,050 at 5.33%$72.71
13,050 at 5.34%$72.79
13,050 at 5.35%$72.87
13,050 at 5.36%$72.95
13,050 at 5.37%$73.04
13,050 at 5.38%$73.12
13,050 at 5.39%$73.20
13,050 at 5.4%$73.28
13,050 at 5.41%$73.36
13,050 at 5.42%$73.44
13,050 at 5.43%$73.52
13,050 at 5.44%$73.61
13,050 at 5.45%$73.69
13,050 at 5.46%$73.77
13,050 at 5.47%$73.85
13,050 at 5.48%$73.93
13,050 at 5.49%$74.01
13,050 at 5.5%$74.10
13,050 at 5.51%$74.18
13,050 at 5.52%$74.26
13,050 at 5.53%$74.34
13,050 at 5.54%$74.42
13,050 at 5.55%$74.51
13,050 at 5.56%$74.59
13,050 at 5.57%$74.67
13,050 at 5.58%$74.75
13,050 at 5.59%$74.84
13,050 at 5.6%$74.92
13,050 at 5.61%$75.00
13,050 at 5.62%$75.08
13,050 at 5.63%$75.16
13,050 at 5.64%$75.25
13,050 at 5.65%$75.33
13,050 at 5.66%$75.41
13,050 at 5.67%$75.49
13,050 at 5.68%$75.58
13,050 at 5.69%$75.66
13,050 at 5.7%$75.74
13,050 at 5.71%$75.82
13,050 at 5.72%$75.91
13,050 at 5.73%$75.99
13,050 at 5.74%$76.07
13,050 at 5.75%$76.16
13,050 at 5.76%$76.24
13,050 at 5.77%$76.32
13,050 at 5.78%$76.41
13,050 at 5.79%$76.49
13,050 at 5.8%$76.57
13,050 at 5.81%$76.65
13,050 at 5.82%$76.74
13,050 at 5.83%$76.82
13,050 at 5.84%$76.90
13,050 at 5.85%$76.99
13,050 at 5.86%$77.07
13,050 at 5.87%$77.15
13,050 at 5.88%$77.24
13,050 at 5.89%$77.32
13,050 at 5.9%$77.40
13,050 at 5.91%$77.49
13,050 at 5.92%$77.57
13,050 at 5.93%$77.66
13,050 at 5.94%$77.74
13,050 at 5.95%$77.82
13,050 at 5.96%$77.91
13,050 at 5.97%$77.99
13,050 at 5.98%$78.07
13,050 at 5.99%$78.16
13,050 at 6%$78.24
13,050 at 6.01%$78.33
13,050 at 6.02%$78.41
13,050 at 6.03%$78.49
13,050 at 6.04%$78.58
13,050 at 6.05%$78.66
13,050 at 6.06%$78.75
13,050 at 6.07%$78.83
13,050 at 6.08%$78.91
13,050 at 6.09%$79.00
13,050 at 6.1%$79.08
13,050 at 6.11%$79.17
13,050 at 6.12%$79.25
13,050 at 6.13%$79.34
13,050 at 6.14%$79.42
13,050 at 6.15%$79.50
13,050 at 6.16%$79.59
13,050 at 6.17%$79.67
13,050 at 6.18%$79.76
13,050 at 6.19%$79.84
13,050 at 6.2%$79.93
13,050 at 6.21%$80.01
13,050 at 6.22%$80.10
13,050 at 6.23%$80.18
13,050 at 6.24%$80.27
13,050 at 6.25%$80.35
13,050 at 6.26%$80.44
13,050 at 6.27%$80.52
13,050 at 6.28%$80.61
13,050 at 6.29%$80.69
13,050 at 6.3%$80.78
13,050 at 6.31%$80.86
13,050 at 6.32%$80.95
13,050 at 6.33%$81.03
13,050 at 6.34%$81.12
13,050 at 6.35%$81.20
13,050 at 6.36%$81.29
13,050 at 6.37%$81.37
13,050 at 6.38%$81.46
13,050 at 6.39%$81.54
13,050 at 6.4%$81.63
13,050 at 6.41%$81.71
13,050 at 6.42%$81.80
13,050 at 6.43%$81.89
13,050 at 6.44%$81.97
13,050 at 6.45%$82.06
13,050 at 6.46%$82.14
13,050 at 6.47%$82.23
13,050 at 6.48%$82.31
13,050 at 6.49%$82.40
13,050 at 6.5%$82.48
Interest Rate 30 Year
13,050 at 6.51%$82.57
13,050 at 6.52%$82.66
13,050 at 6.53%$82.74
13,050 at 6.54%$82.83
13,050 at 6.55%$82.91
13,050 at 6.56%$83.00
13,050 at 6.57%$83.09
13,050 at 6.58%$83.17
13,050 at 6.59%$83.26
13,050 at 6.6%$83.34
13,050 at 6.61%$83.43
13,050 at 6.62%$83.52
13,050 at 6.63%$83.60
13,050 at 6.64%$83.69
13,050 at 6.65%$83.78
13,050 at 6.66%$83.86
13,050 at 6.67%$83.95
13,050 at 6.68%$84.04
13,050 at 6.69%$84.12
13,050 at 6.7%$84.21
13,050 at 6.71%$84.30
13,050 at 6.72%$84.38
13,050 at 6.73%$84.47
13,050 at 6.74%$84.56
13,050 at 6.75%$84.64
13,050 at 6.76%$84.73
13,050 at 6.77%$84.82
13,050 at 6.78%$84.90
13,050 at 6.79%$84.99
13,050 at 6.8%$85.08
13,050 at 6.81%$85.16
13,050 at 6.82%$85.25
13,050 at 6.83%$85.34
13,050 at 6.84%$85.42
13,050 at 6.85%$85.51
13,050 at 6.86%$85.60
13,050 at 6.87%$85.69
13,050 at 6.88%$85.77
13,050 at 6.89%$85.86
13,050 at 6.9%$85.95
13,050 at 6.91%$86.03
13,050 at 6.92%$86.12
13,050 at 6.93%$86.21
13,050 at 6.94%$86.30
13,050 at 6.95%$86.38
13,050 at 6.96%$86.47
13,050 at 6.97%$86.56
13,050 at 6.98%$86.65
13,050 at 6.99%$86.73
13,050 at 7%$86.82
13,050 at 7.01%$86.91
13,050 at 7.02%$87.00
13,050 at 7.03%$87.09
13,050 at 7.04%$87.17
13,050 at 7.05%$87.26
13,050 at 7.06%$87.35
13,050 at 7.07%$87.44
13,050 at 7.08%$87.52
13,050 at 7.09%$87.61
13,050 at 7.1%$87.70
13,050 at 7.11%$87.79
13,050 at 7.12%$87.88
13,050 at 7.13%$87.96
13,050 at 7.14%$88.05
13,050 at 7.15%$88.14
13,050 at 7.16%$88.23
13,050 at 7.17%$88.32
13,050 at 7.18%$88.41
13,050 at 7.19%$88.49
13,050 at 7.2%$88.58
13,050 at 7.21%$88.67
13,050 at 7.22%$88.76
13,050 at 7.23%$88.85
13,050 at 7.24%$88.94
13,050 at 7.25%$89.02
13,050 at 7.26%$89.11
13,050 at 7.27%$89.20
13,050 at 7.28%$89.29
13,050 at 7.29%$89.38
13,050 at 7.3%$89.47
13,050 at 7.31%$89.56
13,050 at 7.32%$89.64
13,050 at 7.33%$89.73
13,050 at 7.34%$89.82
13,050 at 7.35%$89.91
13,050 at 7.36%$90.00
13,050 at 7.37%$90.09
13,050 at 7.38%$90.18
13,050 at 7.39%$90.27
13,050 at 7.4%$90.36
13,050 at 7.41%$90.44
13,050 at 7.42%$90.53
13,050 at 7.43%$90.62
13,050 at 7.44%$90.71
13,050 at 7.45%$90.80
13,050 at 7.46%$90.89
13,050 at 7.47%$90.98
13,050 at 7.48%$91.07
13,050 at 7.49%$91.16
13,050 at 7.5%$91.25
13,050 at 7.51%$91.34
13,050 at 7.52%$91.43
13,050 at 7.53%$91.52
13,050 at 7.54%$91.61
13,050 at 7.55%$91.69
13,050 at 7.56%$91.78
13,050 at 7.57%$91.87
13,050 at 7.58%$91.96
13,050 at 7.59%$92.05
13,050 at 7.6%$92.14
13,050 at 7.61%$92.23
13,050 at 7.62%$92.32
13,050 at 7.63%$92.41
13,050 at 7.64%$92.50
13,050 at 7.65%$92.59
13,050 at 7.66%$92.68
13,050 at 7.67%$92.77
13,050 at 7.68%$92.86
13,050 at 7.69%$92.95
13,050 at 7.7%$93.04
13,050 at 7.71%$93.13
13,050 at 7.72%$93.22
13,050 at 7.73%$93.31
13,050 at 7.74%$93.40
13,050 at 7.75%$93.49
13,050 at 7.76%$93.58
13,050 at 7.77%$93.67
13,050 at 7.78%$93.76
13,050 at 7.79%$93.85
13,050 at 7.8%$93.94
13,050 at 7.81%$94.03
13,050 at 7.82%$94.12
13,050 at 7.83%$94.21
13,050 at 7.84%$94.30
13,050 at 7.85%$94.40
13,050 at 7.86%$94.49
13,050 at 7.87%$94.58
13,050 at 7.88%$94.67
13,050 at 7.89%$94.76
13,050 at 7.9%$94.85
13,050 at 7.91%$94.94
13,050 at 7.92%$95.03
13,050 at 7.93%$95.12
13,050 at 7.94%$95.21
13,050 at 7.95%$95.30
13,050 at 7.96%$95.39
13,050 at 7.97%$95.48
13,050 at 7.98%$95.57
13,050 at 7.99%$95.67
13,050 at 8%$95.76
More Amounts
What is the down payment for a $13,050 house? How much do you need to put down?
Percent Down Down Payment
1%131
2%261
3%392
4%522
5%653
6%783
7%914
8%1,044
9%1,175
10%1,305
11%1,436
12%1,566
13%1,697
14%1,827
15%1,958
16%2,088
17%2,219
18%2,349
19%2,480
20%2,610
Percent Down Down Payment
21%2,741
22%2,871
23%3,002
24%3,132
25%3,263
26%3,393
27%3,524
28%3,654
29%3,785
30%3,915
31%4,046
32%4,176
33%4,307
34%4,437
35%4,568
36%4,698
37%4,829
38%4,959
39%5,090
40%5,220
Percent Down Down Payment
41%5,351
42%5,481
43%5,612
44%5,742
45%5,873
46%6,003
47%6,134
48%6,264
49%6,395
50%6,525
51%6,656
52%6,786
53%6,917
54%7,047
55%7,178
56%7,308
57%7,439
58%7,569
59%7,700
60%7,830
Percent Down Down Payment
61%7,961
62%8,091
63%8,222
64%8,352
65%8,483
66%8,613
67%8,744
68%8,874
69%9,005
70%9,135
71%9,266
72%9,396
73%9,527
74%9,657
75%9,788
76%9,918
77%10,049
78%10,179
79%10,310
80%10,440
Percent Down Down Payment
81%10,571
82%10,701
83%10,832
84%10,962
85%11,093
86%11,223
87%11,354
88%11,484
89%11,615
90%11,745
91%11,876
92%12,006
93%12,137
94%12,267
95%12,398
96%12,528
97%12,659
98%12,789
99%12,920
100%13,050
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.