$13,300 Mortgage for 30 Years

What is the monthly payment of a 13,300 dollar loan?
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Loan Tables for a $13,300 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 $13,300 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
13,300 at 2.01%$49.23
13,300 at 2.02%$49.29
13,300 at 2.03%$49.36
13,300 at 2.04%$49.43
13,300 at 2.05%$49.49
13,300 at 2.06%$49.56
13,300 at 2.07%$49.63
13,300 at 2.08%$49.69
13,300 at 2.09%$49.76
13,300 at 2.1%$49.83
13,300 at 2.11%$49.89
13,300 at 2.12%$49.96
13,300 at 2.13%$50.03
13,300 at 2.14%$50.10
13,300 at 2.15%$50.16
13,300 at 2.16%$50.23
13,300 at 2.17%$50.30
13,300 at 2.18%$50.37
13,300 at 2.19%$50.43
13,300 at 2.2%$50.50
13,300 at 2.21%$50.57
13,300 at 2.22%$50.64
13,300 at 2.23%$50.70
13,300 at 2.24%$50.77
13,300 at 2.25%$50.84
13,300 at 2.26%$50.91
13,300 at 2.27%$50.97
13,300 at 2.28%$51.04
13,300 at 2.29%$51.11
13,300 at 2.3%$51.18
13,300 at 2.31%$51.25
13,300 at 2.32%$51.31
13,300 at 2.33%$51.38
13,300 at 2.34%$51.45
13,300 at 2.35%$51.52
13,300 at 2.36%$51.59
13,300 at 2.37%$51.66
13,300 at 2.38%$51.73
13,300 at 2.39%$51.79
13,300 at 2.4%$51.86
13,300 at 2.41%$51.93
13,300 at 2.42%$52.00
13,300 at 2.43%$52.07
13,300 at 2.44%$52.14
13,300 at 2.45%$52.21
13,300 at 2.46%$52.27
13,300 at 2.47%$52.34
13,300 at 2.48%$52.41
13,300 at 2.49%$52.48
13,300 at 2.5%$52.55
13,300 at 2.51%$52.62
13,300 at 2.52%$52.69
13,300 at 2.53%$52.76
13,300 at 2.54%$52.83
13,300 at 2.55%$52.90
13,300 at 2.56%$52.97
13,300 at 2.57%$53.04
13,300 at 2.58%$53.11
13,300 at 2.59%$53.18
13,300 at 2.6%$53.25
13,300 at 2.61%$53.31
13,300 at 2.62%$53.38
13,300 at 2.63%$53.45
13,300 at 2.64%$53.52
13,300 at 2.65%$53.59
13,300 at 2.66%$53.66
13,300 at 2.67%$53.73
13,300 at 2.68%$53.80
13,300 at 2.69%$53.87
13,300 at 2.7%$53.94
13,300 at 2.71%$54.01
13,300 at 2.72%$54.08
13,300 at 2.73%$54.16
13,300 at 2.74%$54.23
13,300 at 2.75%$54.30
13,300 at 2.76%$54.37
13,300 at 2.77%$54.44
13,300 at 2.78%$54.51
13,300 at 2.79%$54.58
13,300 at 2.8%$54.65
13,300 at 2.81%$54.72
13,300 at 2.82%$54.79
13,300 at 2.83%$54.86
13,300 at 2.84%$54.93
13,300 at 2.85%$55.00
13,300 at 2.86%$55.07
13,300 at 2.87%$55.15
13,300 at 2.88%$55.22
13,300 at 2.89%$55.29
13,300 at 2.9%$55.36
13,300 at 2.91%$55.43
13,300 at 2.92%$55.50
13,300 at 2.93%$55.57
13,300 at 2.94%$55.64
13,300 at 2.95%$55.72
13,300 at 2.96%$55.79
13,300 at 2.97%$55.86
13,300 at 2.98%$55.93
13,300 at 2.99%$56.00
13,300 at 3%$56.07
13,300 at 3.01%$56.15
13,300 at 3.02%$56.22
13,300 at 3.03%$56.29
13,300 at 3.04%$56.36
13,300 at 3.05%$56.43
13,300 at 3.06%$56.50
13,300 at 3.07%$56.58
13,300 at 3.08%$56.65
13,300 at 3.09%$56.72
13,300 at 3.1%$56.79
13,300 at 3.11%$56.87
13,300 at 3.12%$56.94
13,300 at 3.13%$57.01
13,300 at 3.14%$57.08
13,300 at 3.15%$57.16
13,300 at 3.16%$57.23
13,300 at 3.17%$57.30
13,300 at 3.18%$57.37
13,300 at 3.19%$57.45
13,300 at 3.2%$57.52
13,300 at 3.21%$57.59
13,300 at 3.22%$57.66
13,300 at 3.23%$57.74
13,300 at 3.24%$57.81
13,300 at 3.25%$57.88
13,300 at 3.26%$57.96
13,300 at 3.27%$58.03
13,300 at 3.28%$58.10
13,300 at 3.29%$58.17
13,300 at 3.3%$58.25
13,300 at 3.31%$58.32
13,300 at 3.32%$58.39
13,300 at 3.33%$58.47
13,300 at 3.34%$58.54
13,300 at 3.35%$58.61
13,300 at 3.36%$58.69
13,300 at 3.37%$58.76
13,300 at 3.38%$58.84
13,300 at 3.39%$58.91
13,300 at 3.4%$58.98
13,300 at 3.41%$59.06
13,300 at 3.42%$59.13
13,300 at 3.43%$59.20
13,300 at 3.44%$59.28
13,300 at 3.45%$59.35
13,300 at 3.46%$59.43
13,300 at 3.47%$59.50
13,300 at 3.48%$59.57
13,300 at 3.49%$59.65
13,300 at 3.5%$59.72
Interest Rate 30 Year
13,300 at 3.51%$59.80
13,300 at 3.52%$59.87
13,300 at 3.53%$59.95
13,300 at 3.54%$60.02
13,300 at 3.55%$60.09
13,300 at 3.56%$60.17
13,300 at 3.57%$60.24
13,300 at 3.58%$60.32
13,300 at 3.59%$60.39
13,300 at 3.6%$60.47
13,300 at 3.61%$60.54
13,300 at 3.62%$60.62
13,300 at 3.63%$60.69
13,300 at 3.64%$60.77
13,300 at 3.65%$60.84
13,300 at 3.66%$60.92
13,300 at 3.67%$60.99
13,300 at 3.68%$61.07
13,300 at 3.69%$61.14
13,300 at 3.7%$61.22
13,300 at 3.71%$61.29
13,300 at 3.72%$61.37
13,300 at 3.73%$61.44
13,300 at 3.74%$61.52
13,300 at 3.75%$61.59
13,300 at 3.76%$61.67
13,300 at 3.77%$61.75
13,300 at 3.78%$61.82
13,300 at 3.79%$61.90
13,300 at 3.8%$61.97
13,300 at 3.81%$62.05
13,300 at 3.82%$62.12
13,300 at 3.83%$62.20
13,300 at 3.84%$62.28
13,300 at 3.85%$62.35
13,300 at 3.86%$62.43
13,300 at 3.87%$62.50
13,300 at 3.88%$62.58
13,300 at 3.89%$62.66
13,300 at 3.9%$62.73
13,300 at 3.91%$62.81
13,300 at 3.92%$62.88
13,300 at 3.93%$62.96
13,300 at 3.94%$63.04
13,300 at 3.95%$63.11
13,300 at 3.96%$63.19
13,300 at 3.97%$63.27
13,300 at 3.98%$63.34
13,300 at 3.99%$63.42
13,300 at 4%$63.50
13,300 at 4.01%$63.57
13,300 at 4.02%$63.65
13,300 at 4.03%$63.73
13,300 at 4.04%$63.80
13,300 at 4.05%$63.88
13,300 at 4.06%$63.96
13,300 at 4.07%$64.03
13,300 at 4.08%$64.11
13,300 at 4.09%$64.19
13,300 at 4.1%$64.27
13,300 at 4.11%$64.34
13,300 at 4.12%$64.42
13,300 at 4.13%$64.50
13,300 at 4.14%$64.57
13,300 at 4.15%$64.65
13,300 at 4.16%$64.73
13,300 at 4.17%$64.81
13,300 at 4.18%$64.88
13,300 at 4.19%$64.96
13,300 at 4.2%$65.04
13,300 at 4.21%$65.12
13,300 at 4.22%$65.19
13,300 at 4.23%$65.27
13,300 at 4.24%$65.35
13,300 at 4.25%$65.43
13,300 at 4.26%$65.51
13,300 at 4.27%$65.58
13,300 at 4.28%$65.66
13,300 at 4.29%$65.74
13,300 at 4.3%$65.82
13,300 at 4.31%$65.90
13,300 at 4.32%$65.97
13,300 at 4.33%$66.05
13,300 at 4.34%$66.13
13,300 at 4.35%$66.21
13,300 at 4.36%$66.29
13,300 at 4.37%$66.37
13,300 at 4.38%$66.44
13,300 at 4.39%$66.52
13,300 at 4.4%$66.60
13,300 at 4.41%$66.68
13,300 at 4.42%$66.76
13,300 at 4.43%$66.84
13,300 at 4.44%$66.92
13,300 at 4.45%$66.99
13,300 at 4.46%$67.07
13,300 at 4.47%$67.15
13,300 at 4.48%$67.23
13,300 at 4.49%$67.31
13,300 at 4.5%$67.39
13,300 at 4.51%$67.47
13,300 at 4.52%$67.55
13,300 at 4.53%$67.63
13,300 at 4.54%$67.71
13,300 at 4.55%$67.78
13,300 at 4.56%$67.86
13,300 at 4.57%$67.94
13,300 at 4.58%$68.02
13,300 at 4.59%$68.10
13,300 at 4.6%$68.18
13,300 at 4.61%$68.26
13,300 at 4.62%$68.34
13,300 at 4.63%$68.42
13,300 at 4.64%$68.50
13,300 at 4.65%$68.58
13,300 at 4.66%$68.66
13,300 at 4.67%$68.74
13,300 at 4.68%$68.82
13,300 at 4.69%$68.90
13,300 at 4.7%$68.98
13,300 at 4.71%$69.06
13,300 at 4.72%$69.14
13,300 at 4.73%$69.22
13,300 at 4.74%$69.30
13,300 at 4.75%$69.38
13,300 at 4.76%$69.46
13,300 at 4.77%$69.54
13,300 at 4.78%$69.62
13,300 at 4.79%$69.70
13,300 at 4.8%$69.78
13,300 at 4.81%$69.86
13,300 at 4.82%$69.94
13,300 at 4.83%$70.02
13,300 at 4.84%$70.10
13,300 at 4.85%$70.18
13,300 at 4.86%$70.26
13,300 at 4.87%$70.34
13,300 at 4.88%$70.43
13,300 at 4.89%$70.51
13,300 at 4.9%$70.59
13,300 at 4.91%$70.67
13,300 at 4.92%$70.75
13,300 at 4.93%$70.83
13,300 at 4.94%$70.91
13,300 at 4.95%$70.99
13,300 at 4.96%$71.07
13,300 at 4.97%$71.15
13,300 at 4.98%$71.23
13,300 at 4.99%$71.32
13,300 at 5%$71.40
Interest Rate 30 Year
13,300 at 5.01%$71.48
13,300 at 5.02%$71.56
13,300 at 5.03%$71.64
13,300 at 5.04%$71.72
13,300 at 5.05%$71.80
13,300 at 5.06%$71.89
13,300 at 5.07%$71.97
13,300 at 5.08%$72.05
13,300 at 5.09%$72.13
13,300 at 5.1%$72.21
13,300 at 5.11%$72.29
13,300 at 5.12%$72.38
13,300 at 5.13%$72.46
13,300 at 5.14%$72.54
13,300 at 5.15%$72.62
13,300 at 5.16%$72.70
13,300 at 5.17%$72.79
13,300 at 5.18%$72.87
13,300 at 5.19%$72.95
13,300 at 5.2%$73.03
13,300 at 5.21%$73.11
13,300 at 5.22%$73.20
13,300 at 5.23%$73.28
13,300 at 5.24%$73.36
13,300 at 5.25%$73.44
13,300 at 5.26%$73.53
13,300 at 5.27%$73.61
13,300 at 5.28%$73.69
13,300 at 5.29%$73.77
13,300 at 5.3%$73.86
13,300 at 5.31%$73.94
13,300 at 5.32%$74.02
13,300 at 5.33%$74.10
13,300 at 5.34%$74.19
13,300 at 5.35%$74.27
13,300 at 5.36%$74.35
13,300 at 5.37%$74.43
13,300 at 5.38%$74.52
13,300 at 5.39%$74.60
13,300 at 5.4%$74.68
13,300 at 5.41%$74.77
13,300 at 5.42%$74.85
13,300 at 5.43%$74.93
13,300 at 5.44%$75.02
13,300 at 5.45%$75.10
13,300 at 5.46%$75.18
13,300 at 5.47%$75.27
13,300 at 5.48%$75.35
13,300 at 5.49%$75.43
13,300 at 5.5%$75.52
13,300 at 5.51%$75.60
13,300 at 5.52%$75.68
13,300 at 5.53%$75.77
13,300 at 5.54%$75.85
13,300 at 5.55%$75.93
13,300 at 5.56%$76.02
13,300 at 5.57%$76.10
13,300 at 5.58%$76.18
13,300 at 5.59%$76.27
13,300 at 5.6%$76.35
13,300 at 5.61%$76.44
13,300 at 5.62%$76.52
13,300 at 5.63%$76.60
13,300 at 5.64%$76.69
13,300 at 5.65%$76.77
13,300 at 5.66%$76.86
13,300 at 5.67%$76.94
13,300 at 5.68%$77.02
13,300 at 5.69%$77.11
13,300 at 5.7%$77.19
13,300 at 5.71%$77.28
13,300 at 5.72%$77.36
13,300 at 5.73%$77.45
13,300 at 5.74%$77.53
13,300 at 5.75%$77.62
13,300 at 5.76%$77.70
13,300 at 5.77%$77.78
13,300 at 5.78%$77.87
13,300 at 5.79%$77.95
13,300 at 5.8%$78.04
13,300 at 5.81%$78.12
13,300 at 5.82%$78.21
13,300 at 5.83%$78.29
13,300 at 5.84%$78.38
13,300 at 5.85%$78.46
13,300 at 5.86%$78.55
13,300 at 5.87%$78.63
13,300 at 5.88%$78.72
13,300 at 5.89%$78.80
13,300 at 5.9%$78.89
13,300 at 5.91%$78.97
13,300 at 5.92%$79.06
13,300 at 5.93%$79.14
13,300 at 5.94%$79.23
13,300 at 5.95%$79.31
13,300 at 5.96%$79.40
13,300 at 5.97%$79.48
13,300 at 5.98%$79.57
13,300 at 5.99%$79.65
13,300 at 6%$79.74
13,300 at 6.01%$79.83
13,300 at 6.02%$79.91
13,300 at 6.03%$80.00
13,300 at 6.04%$80.08
13,300 at 6.05%$80.17
13,300 at 6.06%$80.25
13,300 at 6.07%$80.34
13,300 at 6.08%$80.43
13,300 at 6.09%$80.51
13,300 at 6.1%$80.60
13,300 at 6.11%$80.68
13,300 at 6.12%$80.77
13,300 at 6.13%$80.86
13,300 at 6.14%$80.94
13,300 at 6.15%$81.03
13,300 at 6.16%$81.11
13,300 at 6.17%$81.20
13,300 at 6.18%$81.29
13,300 at 6.19%$81.37
13,300 at 6.2%$81.46
13,300 at 6.21%$81.54
13,300 at 6.22%$81.63
13,300 at 6.23%$81.72
13,300 at 6.24%$81.80
13,300 at 6.25%$81.89
13,300 at 6.26%$81.98
13,300 at 6.27%$82.06
13,300 at 6.28%$82.15
13,300 at 6.29%$82.24
13,300 at 6.3%$82.32
13,300 at 6.31%$82.41
13,300 at 6.32%$82.50
13,300 at 6.33%$82.58
13,300 at 6.34%$82.67
13,300 at 6.35%$82.76
13,300 at 6.36%$82.84
13,300 at 6.37%$82.93
13,300 at 6.38%$83.02
13,300 at 6.39%$83.11
13,300 at 6.4%$83.19
13,300 at 6.41%$83.28
13,300 at 6.42%$83.37
13,300 at 6.43%$83.45
13,300 at 6.44%$83.54
13,300 at 6.45%$83.63
13,300 at 6.46%$83.72
13,300 at 6.47%$83.80
13,300 at 6.48%$83.89
13,300 at 6.49%$83.98
13,300 at 6.5%$84.07
Interest Rate 30 Year
13,300 at 6.51%$84.15
13,300 at 6.52%$84.24
13,300 at 6.53%$84.33
13,300 at 6.54%$84.42
13,300 at 6.55%$84.50
13,300 at 6.56%$84.59
13,300 at 6.57%$84.68
13,300 at 6.58%$84.77
13,300 at 6.59%$84.85
13,300 at 6.6%$84.94
13,300 at 6.61%$85.03
13,300 at 6.62%$85.12
13,300 at 6.63%$85.21
13,300 at 6.64%$85.29
13,300 at 6.65%$85.38
13,300 at 6.66%$85.47
13,300 at 6.67%$85.56
13,300 at 6.68%$85.65
13,300 at 6.69%$85.73
13,300 at 6.7%$85.82
13,300 at 6.71%$85.91
13,300 at 6.72%$86.00
13,300 at 6.73%$86.09
13,300 at 6.74%$86.18
13,300 at 6.75%$86.26
13,300 at 6.76%$86.35
13,300 at 6.77%$86.44
13,300 at 6.78%$86.53
13,300 at 6.79%$86.62
13,300 at 6.8%$86.71
13,300 at 6.81%$86.79
13,300 at 6.82%$86.88
13,300 at 6.83%$86.97
13,300 at 6.84%$87.06
13,300 at 6.85%$87.15
13,300 at 6.86%$87.24
13,300 at 6.87%$87.33
13,300 at 6.88%$87.42
13,300 at 6.89%$87.50
13,300 at 6.9%$87.59
13,300 at 6.91%$87.68
13,300 at 6.92%$87.77
13,300 at 6.93%$87.86
13,300 at 6.94%$87.95
13,300 at 6.95%$88.04
13,300 at 6.96%$88.13
13,300 at 6.97%$88.22
13,300 at 6.98%$88.31
13,300 at 6.99%$88.40
13,300 at 7%$88.49
13,300 at 7.01%$88.57
13,300 at 7.02%$88.66
13,300 at 7.03%$88.75
13,300 at 7.04%$88.84
13,300 at 7.05%$88.93
13,300 at 7.06%$89.02
13,300 at 7.07%$89.11
13,300 at 7.08%$89.20
13,300 at 7.09%$89.29
13,300 at 7.1%$89.38
13,300 at 7.11%$89.47
13,300 at 7.12%$89.56
13,300 at 7.13%$89.65
13,300 at 7.14%$89.74
13,300 at 7.15%$89.83
13,300 at 7.16%$89.92
13,300 at 7.17%$90.01
13,300 at 7.18%$90.10
13,300 at 7.19%$90.19
13,300 at 7.2%$90.28
13,300 at 7.21%$90.37
13,300 at 7.22%$90.46
13,300 at 7.23%$90.55
13,300 at 7.24%$90.64
13,300 at 7.25%$90.73
13,300 at 7.26%$90.82
13,300 at 7.27%$90.91
13,300 at 7.28%$91.00
13,300 at 7.29%$91.09
13,300 at 7.3%$91.18
13,300 at 7.31%$91.27
13,300 at 7.32%$91.36
13,300 at 7.33%$91.45
13,300 at 7.34%$91.54
13,300 at 7.35%$91.63
13,300 at 7.36%$91.72
13,300 at 7.37%$91.81
13,300 at 7.38%$91.91
13,300 at 7.39%$92.00
13,300 at 7.4%$92.09
13,300 at 7.41%$92.18
13,300 at 7.42%$92.27
13,300 at 7.43%$92.36
13,300 at 7.44%$92.45
13,300 at 7.45%$92.54
13,300 at 7.46%$92.63
13,300 at 7.47%$92.72
13,300 at 7.48%$92.81
13,300 at 7.49%$92.90
13,300 at 7.5%$93.00
13,300 at 7.51%$93.09
13,300 at 7.52%$93.18
13,300 at 7.53%$93.27
13,300 at 7.54%$93.36
13,300 at 7.55%$93.45
13,300 at 7.56%$93.54
13,300 at 7.57%$93.63
13,300 at 7.58%$93.73
13,300 at 7.59%$93.82
13,300 at 7.6%$93.91
13,300 at 7.61%$94.00
13,300 at 7.62%$94.09
13,300 at 7.63%$94.18
13,300 at 7.64%$94.27
13,300 at 7.65%$94.37
13,300 at 7.66%$94.46
13,300 at 7.67%$94.55
13,300 at 7.68%$94.64
13,300 at 7.69%$94.73
13,300 at 7.7%$94.82
13,300 at 7.71%$94.92
13,300 at 7.72%$95.01
13,300 at 7.73%$95.10
13,300 at 7.74%$95.19
13,300 at 7.75%$95.28
13,300 at 7.76%$95.37
13,300 at 7.77%$95.47
13,300 at 7.78%$95.56
13,300 at 7.79%$95.65
13,300 at 7.8%$95.74
13,300 at 7.81%$95.83
13,300 at 7.82%$95.93
13,300 at 7.83%$96.02
13,300 at 7.84%$96.11
13,300 at 7.85%$96.20
13,300 at 7.86%$96.30
13,300 at 7.87%$96.39
13,300 at 7.88%$96.48
13,300 at 7.89%$96.57
13,300 at 7.9%$96.67
13,300 at 7.91%$96.76
13,300 at 7.92%$96.85
13,300 at 7.93%$96.94
13,300 at 7.94%$97.03
13,300 at 7.95%$97.13
13,300 at 7.96%$97.22
13,300 at 7.97%$97.31
13,300 at 7.98%$97.41
13,300 at 7.99%$97.50
13,300 at 8%$97.59
More Amounts
What is the down payment for a $13,300 house? How much do you need to put down?
Percent Down Down Payment
1%133
2%266
3%399
4%532
5%665
6%798
7%931
8%1,064
9%1,197
10%1,330
11%1,463
12%1,596
13%1,729
14%1,862
15%1,995
16%2,128
17%2,261
18%2,394
19%2,527
20%2,660
Percent Down Down Payment
21%2,793
22%2,926
23%3,059
24%3,192
25%3,325
26%3,458
27%3,591
28%3,724
29%3,857
30%3,990
31%4,123
32%4,256
33%4,389
34%4,522
35%4,655
36%4,788
37%4,921
38%5,054
39%5,187
40%5,320
Percent Down Down Payment
41%5,453
42%5,586
43%5,719
44%5,852
45%5,985
46%6,118
47%6,251
48%6,384
49%6,517
50%6,650
51%6,783
52%6,916
53%7,049
54%7,182
55%7,315
56%7,448
57%7,581
58%7,714
59%7,847
60%7,980
Percent Down Down Payment
61%8,113
62%8,246
63%8,379
64%8,512
65%8,645
66%8,778
67%8,911
68%9,044
69%9,177
70%9,310
71%9,443
72%9,576
73%9,709
74%9,842
75%9,975
76%10,108
77%10,241
78%10,374
79%10,507
80%10,640
Percent Down Down Payment
81%10,773
82%10,906
83%11,039
84%11,172
85%11,305
86%11,438
87%11,571
88%11,704
89%11,837
90%11,970
91%12,103
92%12,236
93%12,369
94%12,502
95%12,635
96%12,768
97%12,901
98%13,034
99%13,167
100%13,300
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.