$132,900 Mortgage for 30 Years

What is the monthly payment of a 132,900 dollar loan?
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Loan Tables for a $132,900 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 $132,900 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
132,900 at 2.01%$491.89
132,900 at 2.02%$492.55
132,900 at 2.03%$493.22
132,900 at 2.04%$493.89
132,900 at 2.05%$494.55
132,900 at 2.06%$495.22
132,900 at 2.07%$495.89
132,900 at 2.08%$496.56
132,900 at 2.09%$497.23
132,900 at 2.1%$497.90
132,900 at 2.11%$498.57
132,900 at 2.12%$499.24
132,900 at 2.13%$499.91
132,900 at 2.14%$500.58
132,900 at 2.15%$501.25
132,900 at 2.16%$501.93
132,900 at 2.17%$502.60
132,900 at 2.18%$503.27
132,900 at 2.19%$503.95
132,900 at 2.2%$504.62
132,900 at 2.21%$505.30
132,900 at 2.22%$505.97
132,900 at 2.23%$506.65
132,900 at 2.24%$507.33
132,900 at 2.25%$508.01
132,900 at 2.26%$508.68
132,900 at 2.27%$509.36
132,900 at 2.28%$510.04
132,900 at 2.29%$510.72
132,900 at 2.3%$511.40
132,900 at 2.31%$512.08
132,900 at 2.32%$512.76
132,900 at 2.33%$513.44
132,900 at 2.34%$514.13
132,900 at 2.35%$514.81
132,900 at 2.36%$515.49
132,900 at 2.37%$516.18
132,900 at 2.38%$516.86
132,900 at 2.39%$517.55
132,900 at 2.4%$518.23
132,900 at 2.41%$518.92
132,900 at 2.42%$519.60
132,900 at 2.43%$520.29
132,900 at 2.44%$520.98
132,900 at 2.45%$521.67
132,900 at 2.46%$522.36
132,900 at 2.47%$523.05
132,900 at 2.48%$523.73
132,900 at 2.49%$524.42
132,900 at 2.5%$525.12
132,900 at 2.51%$525.81
132,900 at 2.52%$526.50
132,900 at 2.53%$527.19
132,900 at 2.54%$527.88
132,900 at 2.55%$528.58
132,900 at 2.56%$529.27
132,900 at 2.57%$529.97
132,900 at 2.58%$530.66
132,900 at 2.59%$531.36
132,900 at 2.6%$532.05
132,900 at 2.61%$532.75
132,900 at 2.62%$533.44
132,900 at 2.63%$534.14
132,900 at 2.64%$534.84
132,900 at 2.65%$535.54
132,900 at 2.66%$536.24
132,900 at 2.67%$536.94
132,900 at 2.68%$537.64
132,900 at 2.69%$538.34
132,900 at 2.7%$539.04
132,900 at 2.71%$539.74
132,900 at 2.72%$540.44
132,900 at 2.73%$541.15
132,900 at 2.74%$541.85
132,900 at 2.75%$542.55
132,900 at 2.76%$543.26
132,900 at 2.77%$543.96
132,900 at 2.78%$544.67
132,900 at 2.79%$545.37
132,900 at 2.8%$546.08
132,900 at 2.81%$546.79
132,900 at 2.82%$547.49
132,900 at 2.83%$548.20
132,900 at 2.84%$548.91
132,900 at 2.85%$549.62
132,900 at 2.86%$550.33
132,900 at 2.87%$551.04
132,900 at 2.88%$551.75
132,900 at 2.89%$552.46
132,900 at 2.9%$553.17
132,900 at 2.91%$553.88
132,900 at 2.92%$554.59
132,900 at 2.93%$555.31
132,900 at 2.94%$556.02
132,900 at 2.95%$556.73
132,900 at 2.96%$557.45
132,900 at 2.97%$558.16
132,900 at 2.98%$558.88
132,900 at 2.99%$559.60
132,900 at 3%$560.31
132,900 at 3.01%$561.03
132,900 at 3.02%$561.75
132,900 at 3.03%$562.46
132,900 at 3.04%$563.18
132,900 at 3.05%$563.90
132,900 at 3.06%$564.62
132,900 at 3.07%$565.34
132,900 at 3.08%$566.06
132,900 at 3.09%$566.78
132,900 at 3.1%$567.50
132,900 at 3.11%$568.23
132,900 at 3.12%$568.95
132,900 at 3.13%$569.67
132,900 at 3.14%$570.40
132,900 at 3.15%$571.12
132,900 at 3.16%$571.84
132,900 at 3.17%$572.57
132,900 at 3.18%$573.30
132,900 at 3.19%$574.02
132,900 at 3.2%$574.75
132,900 at 3.21%$575.48
132,900 at 3.22%$576.20
132,900 at 3.23%$576.93
132,900 at 3.24%$577.66
132,900 at 3.25%$578.39
132,900 at 3.26%$579.12
132,900 at 3.27%$579.85
132,900 at 3.28%$580.58
132,900 at 3.29%$581.31
132,900 at 3.3%$582.04
132,900 at 3.31%$582.77
132,900 at 3.32%$583.51
132,900 at 3.33%$584.24
132,900 at 3.34%$584.97
132,900 at 3.35%$585.71
132,900 at 3.36%$586.44
132,900 at 3.37%$587.18
132,900 at 3.38%$587.91
132,900 at 3.39%$588.65
132,900 at 3.4%$589.39
132,900 at 3.41%$590.12
132,900 at 3.42%$590.86
132,900 at 3.43%$591.60
132,900 at 3.44%$592.34
132,900 at 3.45%$593.08
132,900 at 3.46%$593.82
132,900 at 3.47%$594.56
132,900 at 3.48%$595.30
132,900 at 3.49%$596.04
132,900 at 3.5%$596.78
Interest Rate 30 Year
132,900 at 3.51%$597.52
132,900 at 3.52%$598.27
132,900 at 3.53%$599.01
132,900 at 3.54%$599.75
132,900 at 3.55%$600.50
132,900 at 3.56%$601.24
132,900 at 3.57%$601.99
132,900 at 3.58%$602.73
132,900 at 3.59%$603.48
132,900 at 3.6%$604.22
132,900 at 3.61%$604.97
132,900 at 3.62%$605.72
132,900 at 3.63%$606.47
132,900 at 3.64%$607.21
132,900 at 3.65%$607.96
132,900 at 3.66%$608.71
132,900 at 3.67%$609.46
132,900 at 3.68%$610.21
132,900 at 3.69%$610.96
132,900 at 3.7%$611.72
132,900 at 3.71%$612.47
132,900 at 3.72%$613.22
132,900 at 3.73%$613.97
132,900 at 3.74%$614.73
132,900 at 3.75%$615.48
132,900 at 3.76%$616.23
132,900 at 3.77%$616.99
132,900 at 3.78%$617.75
132,900 at 3.79%$618.50
132,900 at 3.8%$619.26
132,900 at 3.81%$620.01
132,900 at 3.82%$620.77
132,900 at 3.83%$621.53
132,900 at 3.84%$622.29
132,900 at 3.85%$623.05
132,900 at 3.86%$623.81
132,900 at 3.87%$624.57
132,900 at 3.88%$625.33
132,900 at 3.89%$626.09
132,900 at 3.9%$626.85
132,900 at 3.91%$627.61
132,900 at 3.92%$628.37
132,900 at 3.93%$629.13
132,900 at 3.94%$629.90
132,900 at 3.95%$630.66
132,900 at 3.96%$631.42
132,900 at 3.97%$632.19
132,900 at 3.98%$632.95
132,900 at 3.99%$633.72
132,900 at 4%$634.48
132,900 at 4.01%$635.25
132,900 at 4.02%$636.02
132,900 at 4.03%$636.79
132,900 at 4.04%$637.55
132,900 at 4.05%$638.32
132,900 at 4.06%$639.09
132,900 at 4.07%$639.86
132,900 at 4.08%$640.63
132,900 at 4.09%$641.40
132,900 at 4.1%$642.17
132,900 at 4.11%$642.94
132,900 at 4.12%$643.71
132,900 at 4.13%$644.49
132,900 at 4.14%$645.26
132,900 at 4.15%$646.03
132,900 at 4.16%$646.80
132,900 at 4.17%$647.58
132,900 at 4.18%$648.35
132,900 at 4.19%$649.13
132,900 at 4.2%$649.90
132,900 at 4.21%$650.68
132,900 at 4.22%$651.46
132,900 at 4.23%$652.23
132,900 at 4.24%$653.01
132,900 at 4.25%$653.79
132,900 at 4.26%$654.57
132,900 at 4.27%$655.35
132,900 at 4.28%$656.12
132,900 at 4.29%$656.90
132,900 at 4.3%$657.68
132,900 at 4.31%$658.46
132,900 at 4.32%$659.25
132,900 at 4.33%$660.03
132,900 at 4.34%$660.81
132,900 at 4.35%$661.59
132,900 at 4.36%$662.37
132,900 at 4.37%$663.16
132,900 at 4.38%$663.94
132,900 at 4.39%$664.73
132,900 at 4.4%$665.51
132,900 at 4.41%$666.30
132,900 at 4.42%$667.08
132,900 at 4.43%$667.87
132,900 at 4.44%$668.66
132,900 at 4.45%$669.44
132,900 at 4.46%$670.23
132,900 at 4.47%$671.02
132,900 at 4.48%$671.81
132,900 at 4.49%$672.60
132,900 at 4.5%$673.38
132,900 at 4.51%$674.17
132,900 at 4.52%$674.97
132,900 at 4.53%$675.76
132,900 at 4.54%$676.55
132,900 at 4.55%$677.34
132,900 at 4.56%$678.13
132,900 at 4.57%$678.92
132,900 at 4.58%$679.72
132,900 at 4.59%$680.51
132,900 at 4.6%$681.30
132,900 at 4.61%$682.10
132,900 at 4.62%$682.89
132,900 at 4.63%$683.69
132,900 at 4.64%$684.49
132,900 at 4.65%$685.28
132,900 at 4.66%$686.08
132,900 at 4.67%$686.88
132,900 at 4.68%$687.67
132,900 at 4.69%$688.47
132,900 at 4.7%$689.27
132,900 at 4.71%$690.07
132,900 at 4.72%$690.87
132,900 at 4.73%$691.67
132,900 at 4.74%$692.47
132,900 at 4.75%$693.27
132,900 at 4.76%$694.07
132,900 at 4.77%$694.87
132,900 at 4.78%$695.67
132,900 at 4.79%$696.48
132,900 at 4.8%$697.28
132,900 at 4.81%$698.08
132,900 at 4.82%$698.89
132,900 at 4.83%$699.69
132,900 at 4.84%$700.50
132,900 at 4.85%$701.30
132,900 at 4.86%$702.11
132,900 at 4.87%$702.91
132,900 at 4.88%$703.72
132,900 at 4.89%$704.53
132,900 at 4.9%$705.34
132,900 at 4.91%$706.14
132,900 at 4.92%$706.95
132,900 at 4.93%$707.76
132,900 at 4.94%$708.57
132,900 at 4.95%$709.38
132,900 at 4.96%$710.19
132,900 at 4.97%$711.00
132,900 at 4.98%$711.81
132,900 at 4.99%$712.62
132,900 at 5%$713.44
Interest Rate 30 Year
132,900 at 5.01%$714.25
132,900 at 5.02%$715.06
132,900 at 5.03%$715.87
132,900 at 5.04%$716.69
132,900 at 5.05%$717.50
132,900 at 5.06%$718.32
132,900 at 5.07%$719.13
132,900 at 5.08%$719.95
132,900 at 5.09%$720.76
132,900 at 5.1%$721.58
132,900 at 5.11%$722.40
132,900 at 5.12%$723.21
132,900 at 5.13%$724.03
132,900 at 5.14%$724.85
132,900 at 5.15%$725.67
132,900 at 5.16%$726.49
132,900 at 5.17%$727.31
132,900 at 5.18%$728.13
132,900 at 5.19%$728.95
132,900 at 5.2%$729.77
132,900 at 5.21%$730.59
132,900 at 5.22%$731.41
132,900 at 5.23%$732.23
132,900 at 5.24%$733.06
132,900 at 5.25%$733.88
132,900 at 5.26%$734.70
132,900 at 5.27%$735.53
132,900 at 5.28%$736.35
132,900 at 5.29%$737.17
132,900 at 5.3%$738.00
132,900 at 5.31%$738.83
132,900 at 5.32%$739.65
132,900 at 5.33%$740.48
132,900 at 5.34%$741.30
132,900 at 5.35%$742.13
132,900 at 5.36%$742.96
132,900 at 5.37%$743.79
132,900 at 5.38%$744.62
132,900 at 5.39%$745.45
132,900 at 5.4%$746.27
132,900 at 5.41%$747.10
132,900 at 5.42%$747.93
132,900 at 5.43%$748.77
132,900 at 5.44%$749.60
132,900 at 5.45%$750.43
132,900 at 5.46%$751.26
132,900 at 5.47%$752.09
132,900 at 5.48%$752.92
132,900 at 5.49%$753.76
132,900 at 5.5%$754.59
132,900 at 5.51%$755.43
132,900 at 5.52%$756.26
132,900 at 5.53%$757.09
132,900 at 5.54%$757.93
132,900 at 5.55%$758.77
132,900 at 5.56%$759.60
132,900 at 5.57%$760.44
132,900 at 5.58%$761.28
132,900 at 5.59%$762.11
132,900 at 5.6%$762.95
132,900 at 5.61%$763.79
132,900 at 5.62%$764.63
132,900 at 5.63%$765.47
132,900 at 5.64%$766.31
132,900 at 5.65%$767.15
132,900 at 5.66%$767.99
132,900 at 5.67%$768.83
132,900 at 5.68%$769.67
132,900 at 5.69%$770.51
132,900 at 5.7%$771.35
132,900 at 5.71%$772.19
132,900 at 5.72%$773.04
132,900 at 5.73%$773.88
132,900 at 5.74%$774.72
132,900 at 5.75%$775.57
132,900 at 5.76%$776.41
132,900 at 5.77%$777.26
132,900 at 5.78%$778.10
132,900 at 5.79%$778.95
132,900 at 5.8%$779.79
132,900 at 5.81%$780.64
132,900 at 5.82%$781.49
132,900 at 5.83%$782.34
132,900 at 5.84%$783.18
132,900 at 5.85%$784.03
132,900 at 5.86%$784.88
132,900 at 5.87%$785.73
132,900 at 5.88%$786.58
132,900 at 5.89%$787.43
132,900 at 5.9%$788.28
132,900 at 5.91%$789.13
132,900 at 5.92%$789.98
132,900 at 5.93%$790.83
132,900 at 5.94%$791.68
132,900 at 5.95%$792.54
132,900 at 5.96%$793.39
132,900 at 5.97%$794.24
132,900 at 5.98%$795.09
132,900 at 5.99%$795.95
132,900 at 6%$796.80
132,900 at 6.01%$797.66
132,900 at 6.02%$798.51
132,900 at 6.03%$799.37
132,900 at 6.04%$800.22
132,900 at 6.05%$801.08
132,900 at 6.06%$801.94
132,900 at 6.07%$802.79
132,900 at 6.08%$803.65
132,900 at 6.09%$804.51
132,900 at 6.1%$805.37
132,900 at 6.11%$806.23
132,900 at 6.12%$807.08
132,900 at 6.13%$807.94
132,900 at 6.14%$808.80
132,900 at 6.15%$809.66
132,900 at 6.16%$810.52
132,900 at 6.17%$811.39
132,900 at 6.18%$812.25
132,900 at 6.19%$813.11
132,900 at 6.2%$813.97
132,900 at 6.21%$814.83
132,900 at 6.22%$815.70
132,900 at 6.23%$816.56
132,900 at 6.24%$817.42
132,900 at 6.25%$818.29
132,900 at 6.26%$819.15
132,900 at 6.27%$820.02
132,900 at 6.28%$820.88
132,900 at 6.29%$821.75
132,900 at 6.3%$822.61
132,900 at 6.31%$823.48
132,900 at 6.32%$824.35
132,900 at 6.33%$825.22
132,900 at 6.34%$826.08
132,900 at 6.35%$826.95
132,900 at 6.36%$827.82
132,900 at 6.37%$828.69
132,900 at 6.38%$829.56
132,900 at 6.39%$830.43
132,900 at 6.4%$831.30
132,900 at 6.41%$832.17
132,900 at 6.42%$833.04
132,900 at 6.43%$833.91
132,900 at 6.44%$834.78
132,900 at 6.45%$835.65
132,900 at 6.46%$836.53
132,900 at 6.47%$837.40
132,900 at 6.48%$838.27
132,900 at 6.49%$839.14
132,900 at 6.5%$840.02
Interest Rate 30 Year
132,900 at 6.51%$840.89
132,900 at 6.52%$841.77
132,900 at 6.53%$842.64
132,900 at 6.54%$843.52
132,900 at 6.55%$844.39
132,900 at 6.56%$845.27
132,900 at 6.57%$846.15
132,900 at 6.58%$847.02
132,900 at 6.59%$847.90
132,900 at 6.6%$848.78
132,900 at 6.61%$849.66
132,900 at 6.62%$850.53
132,900 at 6.63%$851.41
132,900 at 6.64%$852.29
132,900 at 6.65%$853.17
132,900 at 6.66%$854.05
132,900 at 6.67%$854.93
132,900 at 6.68%$855.81
132,900 at 6.69%$856.69
132,900 at 6.7%$857.57
132,900 at 6.71%$858.46
132,900 at 6.72%$859.34
132,900 at 6.73%$860.22
132,900 at 6.74%$861.10
132,900 at 6.75%$861.99
132,900 at 6.76%$862.87
132,900 at 6.77%$863.75
132,900 at 6.78%$864.64
132,900 at 6.79%$865.52
132,900 at 6.8%$866.41
132,900 at 6.81%$867.29
132,900 at 6.82%$868.18
132,900 at 6.83%$869.07
132,900 at 6.84%$869.95
132,900 at 6.85%$870.84
132,900 at 6.86%$871.73
132,900 at 6.87%$872.61
132,900 at 6.88%$873.50
132,900 at 6.89%$874.39
132,900 at 6.9%$875.28
132,900 at 6.91%$876.17
132,900 at 6.92%$877.06
132,900 at 6.93%$877.95
132,900 at 6.94%$878.84
132,900 at 6.95%$879.73
132,900 at 6.96%$880.62
132,900 at 6.97%$881.51
132,900 at 6.98%$882.40
132,900 at 6.99%$883.29
132,900 at 7%$884.19
132,900 at 7.01%$885.08
132,900 at 7.02%$885.97
132,900 at 7.03%$886.87
132,900 at 7.04%$887.76
132,900 at 7.05%$888.65
132,900 at 7.06%$889.55
132,900 at 7.07%$890.44
132,900 at 7.08%$891.34
132,900 at 7.09%$892.23
132,900 at 7.1%$893.13
132,900 at 7.11%$894.03
132,900 at 7.12%$894.92
132,900 at 7.13%$895.82
132,900 at 7.14%$896.72
132,900 at 7.15%$897.62
132,900 at 7.16%$898.51
132,900 at 7.17%$899.41
132,900 at 7.18%$900.31
132,900 at 7.19%$901.21
132,900 at 7.2%$902.11
132,900 at 7.21%$903.01
132,900 at 7.22%$903.91
132,900 at 7.23%$904.81
132,900 at 7.24%$905.71
132,900 at 7.25%$906.61
132,900 at 7.26%$907.51
132,900 at 7.27%$908.42
132,900 at 7.28%$909.32
132,900 at 7.29%$910.22
132,900 at 7.3%$911.12
132,900 at 7.31%$912.03
132,900 at 7.32%$912.93
132,900 at 7.33%$913.83
132,900 at 7.34%$914.74
132,900 at 7.35%$915.64
132,900 at 7.36%$916.55
132,900 at 7.37%$917.45
132,900 at 7.38%$918.36
132,900 at 7.39%$919.27
132,900 at 7.4%$920.17
132,900 at 7.41%$921.08
132,900 at 7.42%$921.99
132,900 at 7.43%$922.89
132,900 at 7.44%$923.80
132,900 at 7.45%$924.71
132,900 at 7.46%$925.62
132,900 at 7.47%$926.53
132,900 at 7.48%$927.44
132,900 at 7.49%$928.35
132,900 at 7.5%$929.26
132,900 at 7.51%$930.17
132,900 at 7.52%$931.08
132,900 at 7.53%$931.99
132,900 at 7.54%$932.90
132,900 at 7.55%$933.81
132,900 at 7.56%$934.72
132,900 at 7.57%$935.63
132,900 at 7.58%$936.55
132,900 at 7.59%$937.46
132,900 at 7.6%$938.37
132,900 at 7.61%$939.29
132,900 at 7.62%$940.20
132,900 at 7.63%$941.12
132,900 at 7.64%$942.03
132,900 at 7.65%$942.94
132,900 at 7.66%$943.86
132,900 at 7.67%$944.78
132,900 at 7.68%$945.69
132,900 at 7.69%$946.61
132,900 at 7.7%$947.52
132,900 at 7.71%$948.44
132,900 at 7.72%$949.36
132,900 at 7.73%$950.28
132,900 at 7.74%$951.19
132,900 at 7.75%$952.11
132,900 at 7.76%$953.03
132,900 at 7.77%$953.95
132,900 at 7.78%$954.87
132,900 at 7.79%$955.79
132,900 at 7.8%$956.71
132,900 at 7.81%$957.63
132,900 at 7.82%$958.55
132,900 at 7.83%$959.47
132,900 at 7.84%$960.39
132,900 at 7.85%$961.31
132,900 at 7.86%$962.23
132,900 at 7.87%$963.16
132,900 at 7.88%$964.08
132,900 at 7.89%$965.00
132,900 at 7.9%$965.92
132,900 at 7.91%$966.85
132,900 at 7.92%$967.77
132,900 at 7.93%$968.70
132,900 at 7.94%$969.62
132,900 at 7.95%$970.54
132,900 at 7.96%$971.47
132,900 at 7.97%$972.40
132,900 at 7.98%$973.32
132,900 at 7.99%$974.25
132,900 at 8%$975.17
More Amounts
What is the down payment for a $132,900 house? How much do you need to put down?
Percent Down Down Payment
1%1,329
2%2,658
3%3,987
4%5,316
5%6,645
6%7,974
7%9,303
8%10,632
9%11,961
10%13,290
11%14,619
12%15,948
13%17,277
14%18,606
15%19,935
16%21,264
17%22,593
18%23,922
19%25,251
20%26,580
Percent Down Down Payment
21%27,909
22%29,238
23%30,567
24%31,896
25%33,225
26%34,554
27%35,883
28%37,212
29%38,541
30%39,870
31%41,199
32%42,528
33%43,857
34%45,186
35%46,515
36%47,844
37%49,173
38%50,502
39%51,831
40%53,160
Percent Down Down Payment
41%54,489
42%55,818
43%57,147
44%58,476
45%59,805
46%61,134
47%62,463
48%63,792
49%65,121
50%66,450
51%67,779
52%69,108
53%70,437
54%71,766
55%73,095
56%74,424
57%75,753
58%77,082
59%78,411
60%79,740
Percent Down Down Payment
61%81,069
62%82,398
63%83,727
64%85,056
65%86,385
66%87,714
67%89,043
68%90,372
69%91,701
70%93,030
71%94,359
72%95,688
73%97,017
74%98,346
75%99,675
76%101,004
77%102,333
78%103,662
79%104,991
80%106,320
Percent Down Down Payment
81%107,649
82%108,978
83%110,307
84%111,636
85%112,965
86%114,294
87%115,623
88%116,952
89%118,281
90%119,610
91%120,939
92%122,268
93%123,597
94%124,926
95%126,255
96%127,584
97%128,913
98%130,242
99%131,571
100%132,900
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.