$132,650 Mortgage for 30 Years

What is the monthly payment of a 132,650 dollar loan?
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Loan Tables for a $132,650 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 133k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $132,650 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
132,650 at 2.01%$490.96
132,650 at 2.02%$491.63
132,650 at 2.03%$492.29
132,650 at 2.04%$492.96
132,650 at 2.05%$493.62
132,650 at 2.06%$494.29
132,650 at 2.07%$494.96
132,650 at 2.08%$495.62
132,650 at 2.09%$496.29
132,650 at 2.1%$496.96
132,650 at 2.11%$497.63
132,650 at 2.12%$498.30
132,650 at 2.13%$498.97
132,650 at 2.14%$499.64
132,650 at 2.15%$500.31
132,650 at 2.16%$500.98
132,650 at 2.17%$501.65
132,650 at 2.18%$502.33
132,650 at 2.19%$503.00
132,650 at 2.2%$503.67
132,650 at 2.21%$504.35
132,650 at 2.22%$505.02
132,650 at 2.23%$505.70
132,650 at 2.24%$506.37
132,650 at 2.25%$507.05
132,650 at 2.26%$507.73
132,650 at 2.27%$508.40
132,650 at 2.28%$509.08
132,650 at 2.29%$509.76
132,650 at 2.3%$510.44
132,650 at 2.31%$511.12
132,650 at 2.32%$511.80
132,650 at 2.33%$512.48
132,650 at 2.34%$513.16
132,650 at 2.35%$513.84
132,650 at 2.36%$514.52
132,650 at 2.37%$515.21
132,650 at 2.38%$515.89
132,650 at 2.39%$516.57
132,650 at 2.4%$517.26
132,650 at 2.41%$517.94
132,650 at 2.42%$518.63
132,650 at 2.43%$519.31
132,650 at 2.44%$520.00
132,650 at 2.45%$520.69
132,650 at 2.46%$521.37
132,650 at 2.47%$522.06
132,650 at 2.48%$522.75
132,650 at 2.49%$523.44
132,650 at 2.5%$524.13
132,650 at 2.51%$524.82
132,650 at 2.52%$525.51
132,650 at 2.53%$526.20
132,650 at 2.54%$526.89
132,650 at 2.55%$527.58
132,650 at 2.56%$528.28
132,650 at 2.57%$528.97
132,650 at 2.58%$529.66
132,650 at 2.59%$530.36
132,650 at 2.6%$531.05
132,650 at 2.61%$531.75
132,650 at 2.62%$532.44
132,650 at 2.63%$533.14
132,650 at 2.64%$533.83
132,650 at 2.65%$534.53
132,650 at 2.66%$535.23
132,650 at 2.67%$535.93
132,650 at 2.68%$536.63
132,650 at 2.69%$537.33
132,650 at 2.7%$538.03
132,650 at 2.71%$538.73
132,650 at 2.72%$539.43
132,650 at 2.73%$540.13
132,650 at 2.74%$540.83
132,650 at 2.75%$541.53
132,650 at 2.76%$542.23
132,650 at 2.77%$542.94
132,650 at 2.78%$543.64
132,650 at 2.79%$544.35
132,650 at 2.8%$545.05
132,650 at 2.81%$545.76
132,650 at 2.82%$546.46
132,650 at 2.83%$547.17
132,650 at 2.84%$547.88
132,650 at 2.85%$548.58
132,650 at 2.86%$549.29
132,650 at 2.87%$550.00
132,650 at 2.88%$550.71
132,650 at 2.89%$551.42
132,650 at 2.9%$552.13
132,650 at 2.91%$552.84
132,650 at 2.92%$553.55
132,650 at 2.93%$554.26
132,650 at 2.94%$554.97
132,650 at 2.95%$555.69
132,650 at 2.96%$556.40
132,650 at 2.97%$557.11
132,650 at 2.98%$557.83
132,650 at 2.99%$558.54
132,650 at 3%$559.26
132,650 at 3.01%$559.97
132,650 at 3.02%$560.69
132,650 at 3.03%$561.41
132,650 at 3.04%$562.12
132,650 at 3.05%$562.84
132,650 at 3.06%$563.56
132,650 at 3.07%$564.28
132,650 at 3.08%$565.00
132,650 at 3.09%$565.72
132,650 at 3.1%$566.44
132,650 at 3.11%$567.16
132,650 at 3.12%$567.88
132,650 at 3.13%$568.60
132,650 at 3.14%$569.32
132,650 at 3.15%$570.05
132,650 at 3.16%$570.77
132,650 at 3.17%$571.49
132,650 at 3.18%$572.22
132,650 at 3.19%$572.94
132,650 at 3.2%$573.67
132,650 at 3.21%$574.39
132,650 at 3.22%$575.12
132,650 at 3.23%$575.85
132,650 at 3.24%$576.57
132,650 at 3.25%$577.30
132,650 at 3.26%$578.03
132,650 at 3.27%$578.76
132,650 at 3.28%$579.49
132,650 at 3.29%$580.22
132,650 at 3.3%$580.95
132,650 at 3.31%$581.68
132,650 at 3.32%$582.41
132,650 at 3.33%$583.14
132,650 at 3.34%$583.87
132,650 at 3.35%$584.61
132,650 at 3.36%$585.34
132,650 at 3.37%$586.07
132,650 at 3.38%$586.81
132,650 at 3.39%$587.54
132,650 at 3.4%$588.28
132,650 at 3.41%$589.01
132,650 at 3.42%$589.75
132,650 at 3.43%$590.49
132,650 at 3.44%$591.22
132,650 at 3.45%$591.96
132,650 at 3.46%$592.70
132,650 at 3.47%$593.44
132,650 at 3.48%$594.18
132,650 at 3.49%$594.92
132,650 at 3.5%$595.66
Interest Rate 30 Year
132,650 at 3.51%$596.40
132,650 at 3.52%$597.14
132,650 at 3.53%$597.88
132,650 at 3.54%$598.62
132,650 at 3.55%$599.37
132,650 at 3.56%$600.11
132,650 at 3.57%$600.85
132,650 at 3.58%$601.60
132,650 at 3.59%$602.34
132,650 at 3.6%$603.09
132,650 at 3.61%$603.83
132,650 at 3.62%$604.58
132,650 at 3.63%$605.33
132,650 at 3.64%$606.07
132,650 at 3.65%$606.82
132,650 at 3.66%$607.57
132,650 at 3.67%$608.32
132,650 at 3.68%$609.07
132,650 at 3.69%$609.82
132,650 at 3.7%$610.57
132,650 at 3.71%$611.32
132,650 at 3.72%$612.07
132,650 at 3.73%$612.82
132,650 at 3.74%$613.57
132,650 at 3.75%$614.32
132,650 at 3.76%$615.08
132,650 at 3.77%$615.83
132,650 at 3.78%$616.58
132,650 at 3.79%$617.34
132,650 at 3.8%$618.09
132,650 at 3.81%$618.85
132,650 at 3.82%$619.60
132,650 at 3.83%$620.36
132,650 at 3.84%$621.12
132,650 at 3.85%$621.87
132,650 at 3.86%$622.63
132,650 at 3.87%$623.39
132,650 at 3.88%$624.15
132,650 at 3.89%$624.91
132,650 at 3.9%$625.67
132,650 at 3.91%$626.43
132,650 at 3.92%$627.19
132,650 at 3.93%$627.95
132,650 at 3.94%$628.71
132,650 at 3.95%$629.47
132,650 at 3.96%$630.24
132,650 at 3.97%$631.00
132,650 at 3.98%$631.76
132,650 at 3.99%$632.53
132,650 at 4%$633.29
132,650 at 4.01%$634.06
132,650 at 4.02%$634.82
132,650 at 4.03%$635.59
132,650 at 4.04%$636.35
132,650 at 4.05%$637.12
132,650 at 4.06%$637.89
132,650 at 4.07%$638.66
132,650 at 4.08%$639.42
132,650 at 4.09%$640.19
132,650 at 4.1%$640.96
132,650 at 4.11%$641.73
132,650 at 4.12%$642.50
132,650 at 4.13%$643.27
132,650 at 4.14%$644.04
132,650 at 4.15%$644.82
132,650 at 4.16%$645.59
132,650 at 4.17%$646.36
132,650 at 4.18%$647.13
132,650 at 4.19%$647.91
132,650 at 4.2%$648.68
132,650 at 4.21%$649.46
132,650 at 4.22%$650.23
132,650 at 4.23%$651.01
132,650 at 4.24%$651.78
132,650 at 4.25%$652.56
132,650 at 4.26%$653.34
132,650 at 4.27%$654.11
132,650 at 4.28%$654.89
132,650 at 4.29%$655.67
132,650 at 4.3%$656.45
132,650 at 4.31%$657.23
132,650 at 4.32%$658.01
132,650 at 4.33%$658.79
132,650 at 4.34%$659.57
132,650 at 4.35%$660.35
132,650 at 4.36%$661.13
132,650 at 4.37%$661.91
132,650 at 4.38%$662.69
132,650 at 4.39%$663.48
132,650 at 4.4%$664.26
132,650 at 4.41%$665.04
132,650 at 4.42%$665.83
132,650 at 4.43%$666.61
132,650 at 4.44%$667.40
132,650 at 4.45%$668.18
132,650 at 4.46%$668.97
132,650 at 4.47%$669.76
132,650 at 4.48%$670.54
132,650 at 4.49%$671.33
132,650 at 4.5%$672.12
132,650 at 4.51%$672.91
132,650 at 4.52%$673.70
132,650 at 4.53%$674.48
132,650 at 4.54%$675.27
132,650 at 4.55%$676.06
132,650 at 4.56%$676.86
132,650 at 4.57%$677.65
132,650 at 4.58%$678.44
132,650 at 4.59%$679.23
132,650 at 4.6%$680.02
132,650 at 4.61%$680.82
132,650 at 4.62%$681.61
132,650 at 4.63%$682.40
132,650 at 4.64%$683.20
132,650 at 4.65%$683.99
132,650 at 4.66%$684.79
132,650 at 4.67%$685.58
132,650 at 4.68%$686.38
132,650 at 4.69%$687.18
132,650 at 4.7%$687.97
132,650 at 4.71%$688.77
132,650 at 4.72%$689.57
132,650 at 4.73%$690.37
132,650 at 4.74%$691.17
132,650 at 4.75%$691.97
132,650 at 4.76%$692.76
132,650 at 4.77%$693.57
132,650 at 4.78%$694.37
132,650 at 4.79%$695.17
132,650 at 4.8%$695.97
132,650 at 4.81%$696.77
132,650 at 4.82%$697.57
132,650 at 4.83%$698.38
132,650 at 4.84%$699.18
132,650 at 4.85%$699.98
132,650 at 4.86%$700.79
132,650 at 4.87%$701.59
132,650 at 4.88%$702.40
132,650 at 4.89%$703.20
132,650 at 4.9%$704.01
132,650 at 4.91%$704.82
132,650 at 4.92%$705.62
132,650 at 4.93%$706.43
132,650 at 4.94%$707.24
132,650 at 4.95%$708.05
132,650 at 4.96%$708.85
132,650 at 4.97%$709.66
132,650 at 4.98%$710.47
132,650 at 4.99%$711.28
132,650 at 5%$712.09
Interest Rate 30 Year
132,650 at 5.01%$712.90
132,650 at 5.02%$713.72
132,650 at 5.03%$714.53
132,650 at 5.04%$715.34
132,650 at 5.05%$716.15
132,650 at 5.06%$716.97
132,650 at 5.07%$717.78
132,650 at 5.08%$718.59
132,650 at 5.09%$719.41
132,650 at 5.1%$720.22
132,650 at 5.11%$721.04
132,650 at 5.12%$721.85
132,650 at 5.13%$722.67
132,650 at 5.14%$723.49
132,650 at 5.15%$724.30
132,650 at 5.16%$725.12
132,650 at 5.17%$725.94
132,650 at 5.18%$726.76
132,650 at 5.19%$727.58
132,650 at 5.2%$728.40
132,650 at 5.21%$729.22
132,650 at 5.22%$730.04
132,650 at 5.23%$730.86
132,650 at 5.24%$731.68
132,650 at 5.25%$732.50
132,650 at 5.26%$733.32
132,650 at 5.27%$734.14
132,650 at 5.28%$734.96
132,650 at 5.29%$735.79
132,650 at 5.3%$736.61
132,650 at 5.31%$737.44
132,650 at 5.32%$738.26
132,650 at 5.33%$739.08
132,650 at 5.34%$739.91
132,650 at 5.35%$740.74
132,650 at 5.36%$741.56
132,650 at 5.37%$742.39
132,650 at 5.38%$743.22
132,650 at 5.39%$744.04
132,650 at 5.4%$744.87
132,650 at 5.41%$745.70
132,650 at 5.42%$746.53
132,650 at 5.43%$747.36
132,650 at 5.44%$748.19
132,650 at 5.45%$749.02
132,650 at 5.46%$749.85
132,650 at 5.47%$750.68
132,650 at 5.48%$751.51
132,650 at 5.49%$752.34
132,650 at 5.5%$753.17
132,650 at 5.51%$754.00
132,650 at 5.52%$754.84
132,650 at 5.53%$755.67
132,650 at 5.54%$756.50
132,650 at 5.55%$757.34
132,650 at 5.56%$758.17
132,650 at 5.57%$759.01
132,650 at 5.58%$759.84
132,650 at 5.59%$760.68
132,650 at 5.6%$761.52
132,650 at 5.61%$762.35
132,650 at 5.62%$763.19
132,650 at 5.63%$764.03
132,650 at 5.64%$764.86
132,650 at 5.65%$765.70
132,650 at 5.66%$766.54
132,650 at 5.67%$767.38
132,650 at 5.68%$768.22
132,650 at 5.69%$769.06
132,650 at 5.7%$769.90
132,650 at 5.71%$770.74
132,650 at 5.72%$771.58
132,650 at 5.73%$772.42
132,650 at 5.74%$773.27
132,650 at 5.75%$774.11
132,650 at 5.76%$774.95
132,650 at 5.77%$775.80
132,650 at 5.78%$776.64
132,650 at 5.79%$777.48
132,650 at 5.8%$778.33
132,650 at 5.81%$779.17
132,650 at 5.82%$780.02
132,650 at 5.83%$780.86
132,650 at 5.84%$781.71
132,650 at 5.85%$782.56
132,650 at 5.86%$783.40
132,650 at 5.87%$784.25
132,650 at 5.88%$785.10
132,650 at 5.89%$785.95
132,650 at 5.9%$786.80
132,650 at 5.91%$787.64
132,650 at 5.92%$788.49
132,650 at 5.93%$789.34
132,650 at 5.94%$790.19
132,650 at 5.95%$791.04
132,650 at 5.96%$791.90
132,650 at 5.97%$792.75
132,650 at 5.98%$793.60
132,650 at 5.99%$794.45
132,650 at 6%$795.30
132,650 at 6.01%$796.16
132,650 at 6.02%$797.01
132,650 at 6.03%$797.86
132,650 at 6.04%$798.72
132,650 at 6.05%$799.57
132,650 at 6.06%$800.43
132,650 at 6.07%$801.28
132,650 at 6.08%$802.14
132,650 at 6.09%$803.00
132,650 at 6.1%$803.85
132,650 at 6.11%$804.71
132,650 at 6.12%$805.57
132,650 at 6.13%$806.42
132,650 at 6.14%$807.28
132,650 at 6.15%$808.14
132,650 at 6.16%$809.00
132,650 at 6.17%$809.86
132,650 at 6.18%$810.72
132,650 at 6.19%$811.58
132,650 at 6.2%$812.44
132,650 at 6.21%$813.30
132,650 at 6.22%$814.16
132,650 at 6.23%$815.02
132,650 at 6.24%$815.89
132,650 at 6.25%$816.75
132,650 at 6.26%$817.61
132,650 at 6.27%$818.48
132,650 at 6.28%$819.34
132,650 at 6.29%$820.20
132,650 at 6.3%$821.07
132,650 at 6.31%$821.93
132,650 at 6.32%$822.80
132,650 at 6.33%$823.66
132,650 at 6.34%$824.53
132,650 at 6.35%$825.40
132,650 at 6.36%$826.26
132,650 at 6.37%$827.13
132,650 at 6.38%$828.00
132,650 at 6.39%$828.87
132,650 at 6.4%$829.73
132,650 at 6.41%$830.60
132,650 at 6.42%$831.47
132,650 at 6.43%$832.34
132,650 at 6.44%$833.21
132,650 at 6.45%$834.08
132,650 at 6.46%$834.95
132,650 at 6.47%$835.82
132,650 at 6.48%$836.69
132,650 at 6.49%$837.57
132,650 at 6.5%$838.44
Interest Rate 30 Year
132,650 at 6.51%$839.31
132,650 at 6.52%$840.18
132,650 at 6.53%$841.06
132,650 at 6.54%$841.93
132,650 at 6.55%$842.80
132,650 at 6.56%$843.68
132,650 at 6.57%$844.55
132,650 at 6.58%$845.43
132,650 at 6.59%$846.30
132,650 at 6.6%$847.18
132,650 at 6.61%$848.06
132,650 at 6.62%$848.93
132,650 at 6.63%$849.81
132,650 at 6.64%$850.69
132,650 at 6.65%$851.57
132,650 at 6.66%$852.44
132,650 at 6.67%$853.32
132,650 at 6.68%$854.20
132,650 at 6.69%$855.08
132,650 at 6.7%$855.96
132,650 at 6.71%$856.84
132,650 at 6.72%$857.72
132,650 at 6.73%$858.60
132,650 at 6.74%$859.48
132,650 at 6.75%$860.37
132,650 at 6.76%$861.25
132,650 at 6.77%$862.13
132,650 at 6.78%$863.01
132,650 at 6.79%$863.90
132,650 at 6.8%$864.78
132,650 at 6.81%$865.66
132,650 at 6.82%$866.55
132,650 at 6.83%$867.43
132,650 at 6.84%$868.32
132,650 at 6.85%$869.20
132,650 at 6.86%$870.09
132,650 at 6.87%$870.97
132,650 at 6.88%$871.86
132,650 at 6.89%$872.75
132,650 at 6.9%$873.63
132,650 at 6.91%$874.52
132,650 at 6.92%$875.41
132,650 at 6.93%$876.30
132,650 at 6.94%$877.19
132,650 at 6.95%$878.07
132,650 at 6.96%$878.96
132,650 at 6.97%$879.85
132,650 at 6.98%$880.74
132,650 at 6.99%$881.63
132,650 at 7%$882.52
132,650 at 7.01%$883.41
132,650 at 7.02%$884.31
132,650 at 7.03%$885.20
132,650 at 7.04%$886.09
132,650 at 7.05%$886.98
132,650 at 7.06%$887.88
132,650 at 7.07%$888.77
132,650 at 7.08%$889.66
132,650 at 7.09%$890.56
132,650 at 7.1%$891.45
132,650 at 7.11%$892.35
132,650 at 7.12%$893.24
132,650 at 7.13%$894.14
132,650 at 7.14%$895.03
132,650 at 7.15%$895.93
132,650 at 7.16%$896.82
132,650 at 7.17%$897.72
132,650 at 7.18%$898.62
132,650 at 7.19%$899.51
132,650 at 7.2%$900.41
132,650 at 7.21%$901.31
132,650 at 7.22%$902.21
132,650 at 7.23%$903.11
132,650 at 7.24%$904.01
132,650 at 7.25%$904.91
132,650 at 7.26%$905.81
132,650 at 7.27%$906.71
132,650 at 7.28%$907.61
132,650 at 7.29%$908.51
132,650 at 7.3%$909.41
132,650 at 7.31%$910.31
132,650 at 7.32%$911.21
132,650 at 7.33%$912.12
132,650 at 7.34%$913.02
132,650 at 7.35%$913.92
132,650 at 7.36%$914.82
132,650 at 7.37%$915.73
132,650 at 7.38%$916.63
132,650 at 7.39%$917.54
132,650 at 7.4%$918.44
132,650 at 7.41%$919.35
132,650 at 7.42%$920.25
132,650 at 7.43%$921.16
132,650 at 7.44%$922.06
132,650 at 7.45%$922.97
132,650 at 7.46%$923.88
132,650 at 7.47%$924.78
132,650 at 7.48%$925.69
132,650 at 7.49%$926.60
132,650 at 7.5%$927.51
132,650 at 7.51%$928.42
132,650 at 7.52%$929.33
132,650 at 7.53%$930.23
132,650 at 7.54%$931.14
132,650 at 7.55%$932.05
132,650 at 7.56%$932.96
132,650 at 7.57%$933.87
132,650 at 7.58%$934.79
132,650 at 7.59%$935.70
132,650 at 7.6%$936.61
132,650 at 7.61%$937.52
132,650 at 7.62%$938.43
132,650 at 7.63%$939.34
132,650 at 7.64%$940.26
132,650 at 7.65%$941.17
132,650 at 7.66%$942.08
132,650 at 7.67%$943.00
132,650 at 7.68%$943.91
132,650 at 7.69%$944.83
132,650 at 7.7%$945.74
132,650 at 7.71%$946.66
132,650 at 7.72%$947.57
132,650 at 7.73%$948.49
132,650 at 7.74%$949.40
132,650 at 7.75%$950.32
132,650 at 7.76%$951.24
132,650 at 7.77%$952.15
132,650 at 7.78%$953.07
132,650 at 7.79%$953.99
132,650 at 7.8%$954.91
132,650 at 7.81%$955.83
132,650 at 7.82%$956.75
132,650 at 7.83%$957.66
132,650 at 7.84%$958.58
132,650 at 7.85%$959.50
132,650 at 7.86%$960.42
132,650 at 7.87%$961.34
132,650 at 7.88%$962.26
132,650 at 7.89%$963.19
132,650 at 7.9%$964.11
132,650 at 7.91%$965.03
132,650 at 7.92%$965.95
132,650 at 7.93%$966.87
132,650 at 7.94%$967.80
132,650 at 7.95%$968.72
132,650 at 7.96%$969.64
132,650 at 7.97%$970.57
132,650 at 7.98%$971.49
132,650 at 7.99%$972.41
132,650 at 8%$973.34
More Amounts
What is the down payment for a $132,650 house? How much do you need to put down?
Percent Down Down Payment
1%1,327
2%2,653
3%3,980
4%5,306
5%6,633
6%7,959
7%9,286
8%10,612
9%11,939
10%13,265
11%14,592
12%15,918
13%17,245
14%18,571
15%19,898
16%21,224
17%22,551
18%23,877
19%25,204
20%26,530
Percent Down Down Payment
21%27,857
22%29,183
23%30,510
24%31,836
25%33,163
26%34,489
27%35,816
28%37,142
29%38,469
30%39,795
31%41,122
32%42,448
33%43,775
34%45,101
35%46,428
36%47,754
37%49,081
38%50,407
39%51,734
40%53,060
Percent Down Down Payment
41%54,387
42%55,713
43%57,040
44%58,366
45%59,693
46%61,019
47%62,346
48%63,672
49%64,999
50%66,325
51%67,652
52%68,978
53%70,305
54%71,631
55%72,958
56%74,284
57%75,611
58%76,937
59%78,264
60%79,590
Percent Down Down Payment
61%80,917
62%82,243
63%83,570
64%84,896
65%86,223
66%87,549
67%88,876
68%90,202
69%91,529
70%92,855
71%94,182
72%95,508
73%96,835
74%98,161
75%99,488
76%100,814
77%102,141
78%103,467
79%104,794
80%106,120
Percent Down Down Payment
81%107,447
82%108,773
83%110,100
84%111,426
85%112,753
86%114,079
87%115,406
88%116,732
89%118,059
90%119,385
91%120,712
92%122,038
93%123,365
94%124,691
95%126,018
96%127,344
97%128,671
98%129,997
99%131,324
100%132,650
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.