$133,500 Mortgage for 30 Years

What is the monthly payment of a 133,500 dollar loan?
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Loan Tables for a $133,500 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 134k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $133,500 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
133,500 at 2.01%$494.11
133,500 at 2.02%$494.78
133,500 at 2.03%$495.45
133,500 at 2.04%$496.12
133,500 at 2.05%$496.79
133,500 at 2.06%$497.46
133,500 at 2.07%$498.13
133,500 at 2.08%$498.80
133,500 at 2.09%$499.47
133,500 at 2.1%$500.14
133,500 at 2.11%$500.82
133,500 at 2.12%$501.49
133,500 at 2.13%$502.17
133,500 at 2.14%$502.84
133,500 at 2.15%$503.52
133,500 at 2.16%$504.19
133,500 at 2.17%$504.87
133,500 at 2.18%$505.55
133,500 at 2.19%$506.22
133,500 at 2.2%$506.90
133,500 at 2.21%$507.58
133,500 at 2.22%$508.26
133,500 at 2.23%$508.94
133,500 at 2.24%$509.62
133,500 at 2.25%$510.30
133,500 at 2.26%$510.98
133,500 at 2.27%$511.66
133,500 at 2.28%$512.34
133,500 at 2.29%$513.03
133,500 at 2.3%$513.71
133,500 at 2.31%$514.39
133,500 at 2.32%$515.08
133,500 at 2.33%$515.76
133,500 at 2.34%$516.45
133,500 at 2.35%$517.13
133,500 at 2.36%$517.82
133,500 at 2.37%$518.51
133,500 at 2.38%$519.20
133,500 at 2.39%$519.88
133,500 at 2.4%$520.57
133,500 at 2.41%$521.26
133,500 at 2.42%$521.95
133,500 at 2.43%$522.64
133,500 at 2.44%$523.33
133,500 at 2.45%$524.02
133,500 at 2.46%$524.71
133,500 at 2.47%$525.41
133,500 at 2.48%$526.10
133,500 at 2.49%$526.79
133,500 at 2.5%$527.49
133,500 at 2.51%$528.18
133,500 at 2.52%$528.88
133,500 at 2.53%$529.57
133,500 at 2.54%$530.27
133,500 at 2.55%$530.96
133,500 at 2.56%$531.66
133,500 at 2.57%$532.36
133,500 at 2.58%$533.06
133,500 at 2.59%$533.75
133,500 at 2.6%$534.45
133,500 at 2.61%$535.15
133,500 at 2.62%$535.85
133,500 at 2.63%$536.55
133,500 at 2.64%$537.25
133,500 at 2.65%$537.96
133,500 at 2.66%$538.66
133,500 at 2.67%$539.36
133,500 at 2.68%$540.06
133,500 at 2.69%$540.77
133,500 at 2.7%$541.47
133,500 at 2.71%$542.18
133,500 at 2.72%$542.88
133,500 at 2.73%$543.59
133,500 at 2.74%$544.30
133,500 at 2.75%$545.00
133,500 at 2.76%$545.71
133,500 at 2.77%$546.42
133,500 at 2.78%$547.13
133,500 at 2.79%$547.83
133,500 at 2.8%$548.54
133,500 at 2.81%$549.25
133,500 at 2.82%$549.96
133,500 at 2.83%$550.68
133,500 at 2.84%$551.39
133,500 at 2.85%$552.10
133,500 at 2.86%$552.81
133,500 at 2.87%$553.52
133,500 at 2.88%$554.24
133,500 at 2.89%$554.95
133,500 at 2.9%$555.67
133,500 at 2.91%$556.38
133,500 at 2.92%$557.10
133,500 at 2.93%$557.81
133,500 at 2.94%$558.53
133,500 at 2.95%$559.25
133,500 at 2.96%$559.97
133,500 at 2.97%$560.68
133,500 at 2.98%$561.40
133,500 at 2.99%$562.12
133,500 at 3%$562.84
133,500 at 3.01%$563.56
133,500 at 3.02%$564.28
133,500 at 3.03%$565.00
133,500 at 3.04%$565.73
133,500 at 3.05%$566.45
133,500 at 3.06%$567.17
133,500 at 3.07%$567.89
133,500 at 3.08%$568.62
133,500 at 3.09%$569.34
133,500 at 3.1%$570.07
133,500 at 3.11%$570.79
133,500 at 3.12%$571.52
133,500 at 3.13%$572.24
133,500 at 3.14%$572.97
133,500 at 3.15%$573.70
133,500 at 3.16%$574.43
133,500 at 3.17%$575.16
133,500 at 3.18%$575.88
133,500 at 3.19%$576.61
133,500 at 3.2%$577.34
133,500 at 3.21%$578.07
133,500 at 3.22%$578.80
133,500 at 3.23%$579.54
133,500 at 3.24%$580.27
133,500 at 3.25%$581.00
133,500 at 3.26%$581.73
133,500 at 3.27%$582.47
133,500 at 3.28%$583.20
133,500 at 3.29%$583.94
133,500 at 3.3%$584.67
133,500 at 3.31%$585.41
133,500 at 3.32%$586.14
133,500 at 3.33%$586.88
133,500 at 3.34%$587.62
133,500 at 3.35%$588.35
133,500 at 3.36%$589.09
133,500 at 3.37%$589.83
133,500 at 3.38%$590.57
133,500 at 3.39%$591.31
133,500 at 3.4%$592.05
133,500 at 3.41%$592.79
133,500 at 3.42%$593.53
133,500 at 3.43%$594.27
133,500 at 3.44%$595.01
133,500 at 3.45%$595.75
133,500 at 3.46%$596.50
133,500 at 3.47%$597.24
133,500 at 3.48%$597.99
133,500 at 3.49%$598.73
133,500 at 3.5%$599.47
Interest Rate 30 Year
133,500 at 3.51%$600.22
133,500 at 3.52%$600.97
133,500 at 3.53%$601.71
133,500 at 3.54%$602.46
133,500 at 3.55%$603.21
133,500 at 3.56%$603.95
133,500 at 3.57%$604.70
133,500 at 3.58%$605.45
133,500 at 3.59%$606.20
133,500 at 3.6%$606.95
133,500 at 3.61%$607.70
133,500 at 3.62%$608.45
133,500 at 3.63%$609.20
133,500 at 3.64%$609.96
133,500 at 3.65%$610.71
133,500 at 3.66%$611.46
133,500 at 3.67%$612.21
133,500 at 3.68%$612.97
133,500 at 3.69%$613.72
133,500 at 3.7%$614.48
133,500 at 3.71%$615.23
133,500 at 3.72%$615.99
133,500 at 3.73%$616.75
133,500 at 3.74%$617.50
133,500 at 3.75%$618.26
133,500 at 3.76%$619.02
133,500 at 3.77%$619.78
133,500 at 3.78%$620.53
133,500 at 3.79%$621.29
133,500 at 3.8%$622.05
133,500 at 3.81%$622.81
133,500 at 3.82%$623.57
133,500 at 3.83%$624.34
133,500 at 3.84%$625.10
133,500 at 3.85%$625.86
133,500 at 3.86%$626.62
133,500 at 3.87%$627.38
133,500 at 3.88%$628.15
133,500 at 3.89%$628.91
133,500 at 3.9%$629.68
133,500 at 3.91%$630.44
133,500 at 3.92%$631.21
133,500 at 3.93%$631.97
133,500 at 3.94%$632.74
133,500 at 3.95%$633.51
133,500 at 3.96%$634.27
133,500 at 3.97%$635.04
133,500 at 3.98%$635.81
133,500 at 3.99%$636.58
133,500 at 4%$637.35
133,500 at 4.01%$638.12
133,500 at 4.02%$638.89
133,500 at 4.03%$639.66
133,500 at 4.04%$640.43
133,500 at 4.05%$641.20
133,500 at 4.06%$641.98
133,500 at 4.07%$642.75
133,500 at 4.08%$643.52
133,500 at 4.09%$644.30
133,500 at 4.1%$645.07
133,500 at 4.11%$645.84
133,500 at 4.12%$646.62
133,500 at 4.13%$647.40
133,500 at 4.14%$648.17
133,500 at 4.15%$648.95
133,500 at 4.16%$649.72
133,500 at 4.17%$650.50
133,500 at 4.18%$651.28
133,500 at 4.19%$652.06
133,500 at 4.2%$652.84
133,500 at 4.21%$653.62
133,500 at 4.22%$654.40
133,500 at 4.23%$655.18
133,500 at 4.24%$655.96
133,500 at 4.25%$656.74
133,500 at 4.26%$657.52
133,500 at 4.27%$658.30
133,500 at 4.28%$659.09
133,500 at 4.29%$659.87
133,500 at 4.3%$660.65
133,500 at 4.31%$661.44
133,500 at 4.32%$662.22
133,500 at 4.33%$663.01
133,500 at 4.34%$663.79
133,500 at 4.35%$664.58
133,500 at 4.36%$665.37
133,500 at 4.37%$666.15
133,500 at 4.38%$666.94
133,500 at 4.39%$667.73
133,500 at 4.4%$668.52
133,500 at 4.41%$669.30
133,500 at 4.42%$670.09
133,500 at 4.43%$670.88
133,500 at 4.44%$671.67
133,500 at 4.45%$672.46
133,500 at 4.46%$673.26
133,500 at 4.47%$674.05
133,500 at 4.48%$674.84
133,500 at 4.49%$675.63
133,500 at 4.5%$676.42
133,500 at 4.51%$677.22
133,500 at 4.52%$678.01
133,500 at 4.53%$678.81
133,500 at 4.54%$679.60
133,500 at 4.55%$680.40
133,500 at 4.56%$681.19
133,500 at 4.57%$681.99
133,500 at 4.58%$682.79
133,500 at 4.59%$683.58
133,500 at 4.6%$684.38
133,500 at 4.61%$685.18
133,500 at 4.62%$685.98
133,500 at 4.63%$686.78
133,500 at 4.64%$687.58
133,500 at 4.65%$688.38
133,500 at 4.66%$689.18
133,500 at 4.67%$689.98
133,500 at 4.68%$690.78
133,500 at 4.69%$691.58
133,500 at 4.7%$692.38
133,500 at 4.71%$693.18
133,500 at 4.72%$693.99
133,500 at 4.73%$694.79
133,500 at 4.74%$695.59
133,500 at 4.75%$696.40
133,500 at 4.76%$697.20
133,500 at 4.77%$698.01
133,500 at 4.78%$698.82
133,500 at 4.79%$699.62
133,500 at 4.8%$700.43
133,500 at 4.81%$701.24
133,500 at 4.82%$702.04
133,500 at 4.83%$702.85
133,500 at 4.84%$703.66
133,500 at 4.85%$704.47
133,500 at 4.86%$705.28
133,500 at 4.87%$706.09
133,500 at 4.88%$706.90
133,500 at 4.89%$707.71
133,500 at 4.9%$708.52
133,500 at 4.91%$709.33
133,500 at 4.92%$710.14
133,500 at 4.93%$710.96
133,500 at 4.94%$711.77
133,500 at 4.95%$712.58
133,500 at 4.96%$713.40
133,500 at 4.97%$714.21
133,500 at 4.98%$715.03
133,500 at 4.99%$715.84
133,500 at 5%$716.66
Interest Rate 30 Year
133,500 at 5.01%$717.47
133,500 at 5.02%$718.29
133,500 at 5.03%$719.11
133,500 at 5.04%$719.92
133,500 at 5.05%$720.74
133,500 at 5.06%$721.56
133,500 at 5.07%$722.38
133,500 at 5.08%$723.20
133,500 at 5.09%$724.02
133,500 at 5.1%$724.84
133,500 at 5.11%$725.66
133,500 at 5.12%$726.48
133,500 at 5.13%$727.30
133,500 at 5.14%$728.12
133,500 at 5.15%$728.95
133,500 at 5.16%$729.77
133,500 at 5.17%$730.59
133,500 at 5.18%$731.41
133,500 at 5.19%$732.24
133,500 at 5.2%$733.06
133,500 at 5.21%$733.89
133,500 at 5.22%$734.71
133,500 at 5.23%$735.54
133,500 at 5.24%$736.37
133,500 at 5.25%$737.19
133,500 at 5.26%$738.02
133,500 at 5.27%$738.85
133,500 at 5.28%$739.67
133,500 at 5.29%$740.50
133,500 at 5.3%$741.33
133,500 at 5.31%$742.16
133,500 at 5.32%$742.99
133,500 at 5.33%$743.82
133,500 at 5.34%$744.65
133,500 at 5.35%$745.48
133,500 at 5.36%$746.31
133,500 at 5.37%$747.15
133,500 at 5.38%$747.98
133,500 at 5.39%$748.81
133,500 at 5.4%$749.64
133,500 at 5.41%$750.48
133,500 at 5.42%$751.31
133,500 at 5.43%$752.15
133,500 at 5.44%$752.98
133,500 at 5.45%$753.82
133,500 at 5.46%$754.65
133,500 at 5.47%$755.49
133,500 at 5.48%$756.32
133,500 at 5.49%$757.16
133,500 at 5.5%$758.00
133,500 at 5.51%$758.84
133,500 at 5.52%$759.67
133,500 at 5.53%$760.51
133,500 at 5.54%$761.35
133,500 at 5.55%$762.19
133,500 at 5.56%$763.03
133,500 at 5.57%$763.87
133,500 at 5.58%$764.71
133,500 at 5.59%$765.55
133,500 at 5.6%$766.40
133,500 at 5.61%$767.24
133,500 at 5.62%$768.08
133,500 at 5.63%$768.92
133,500 at 5.64%$769.77
133,500 at 5.65%$770.61
133,500 at 5.66%$771.45
133,500 at 5.67%$772.30
133,500 at 5.68%$773.14
133,500 at 5.69%$773.99
133,500 at 5.7%$774.83
133,500 at 5.71%$775.68
133,500 at 5.72%$776.53
133,500 at 5.73%$777.37
133,500 at 5.74%$778.22
133,500 at 5.75%$779.07
133,500 at 5.76%$779.92
133,500 at 5.77%$780.77
133,500 at 5.78%$781.62
133,500 at 5.79%$782.47
133,500 at 5.8%$783.32
133,500 at 5.81%$784.17
133,500 at 5.82%$785.02
133,500 at 5.83%$785.87
133,500 at 5.84%$786.72
133,500 at 5.85%$787.57
133,500 at 5.86%$788.42
133,500 at 5.87%$789.28
133,500 at 5.88%$790.13
133,500 at 5.89%$790.98
133,500 at 5.9%$791.84
133,500 at 5.91%$792.69
133,500 at 5.92%$793.55
133,500 at 5.93%$794.40
133,500 at 5.94%$795.26
133,500 at 5.95%$796.11
133,500 at 5.96%$796.97
133,500 at 5.97%$797.83
133,500 at 5.98%$798.68
133,500 at 5.99%$799.54
133,500 at 6%$800.40
133,500 at 6.01%$801.26
133,500 at 6.02%$802.12
133,500 at 6.03%$802.98
133,500 at 6.04%$803.84
133,500 at 6.05%$804.70
133,500 at 6.06%$805.56
133,500 at 6.07%$806.42
133,500 at 6.08%$807.28
133,500 at 6.09%$808.14
133,500 at 6.1%$809.00
133,500 at 6.11%$809.87
133,500 at 6.12%$810.73
133,500 at 6.13%$811.59
133,500 at 6.14%$812.46
133,500 at 6.15%$813.32
133,500 at 6.16%$814.18
133,500 at 6.17%$815.05
133,500 at 6.18%$815.91
133,500 at 6.19%$816.78
133,500 at 6.2%$817.65
133,500 at 6.21%$818.51
133,500 at 6.22%$819.38
133,500 at 6.23%$820.25
133,500 at 6.24%$821.11
133,500 at 6.25%$821.98
133,500 at 6.26%$822.85
133,500 at 6.27%$823.72
133,500 at 6.28%$824.59
133,500 at 6.29%$825.46
133,500 at 6.3%$826.33
133,500 at 6.31%$827.20
133,500 at 6.32%$828.07
133,500 at 6.33%$828.94
133,500 at 6.34%$829.81
133,500 at 6.35%$830.68
133,500 at 6.36%$831.56
133,500 at 6.37%$832.43
133,500 at 6.38%$833.30
133,500 at 6.39%$834.18
133,500 at 6.4%$835.05
133,500 at 6.41%$835.92
133,500 at 6.42%$836.80
133,500 at 6.43%$837.67
133,500 at 6.44%$838.55
133,500 at 6.45%$839.43
133,500 at 6.46%$840.30
133,500 at 6.47%$841.18
133,500 at 6.48%$842.06
133,500 at 6.49%$842.93
133,500 at 6.5%$843.81
Interest Rate 30 Year
133,500 at 6.51%$844.69
133,500 at 6.52%$845.57
133,500 at 6.53%$846.45
133,500 at 6.54%$847.33
133,500 at 6.55%$848.21
133,500 at 6.56%$849.09
133,500 at 6.57%$849.97
133,500 at 6.58%$850.85
133,500 at 6.59%$851.73
133,500 at 6.6%$852.61
133,500 at 6.61%$853.49
133,500 at 6.62%$854.37
133,500 at 6.63%$855.26
133,500 at 6.64%$856.14
133,500 at 6.65%$857.02
133,500 at 6.66%$857.91
133,500 at 6.67%$858.79
133,500 at 6.68%$859.68
133,500 at 6.69%$860.56
133,500 at 6.7%$861.45
133,500 at 6.71%$862.33
133,500 at 6.72%$863.22
133,500 at 6.73%$864.10
133,500 at 6.74%$864.99
133,500 at 6.75%$865.88
133,500 at 6.76%$866.77
133,500 at 6.77%$867.65
133,500 at 6.78%$868.54
133,500 at 6.79%$869.43
133,500 at 6.8%$870.32
133,500 at 6.81%$871.21
133,500 at 6.82%$872.10
133,500 at 6.83%$872.99
133,500 at 6.84%$873.88
133,500 at 6.85%$874.77
133,500 at 6.86%$875.66
133,500 at 6.87%$876.55
133,500 at 6.88%$877.45
133,500 at 6.89%$878.34
133,500 at 6.9%$879.23
133,500 at 6.91%$880.12
133,500 at 6.92%$881.02
133,500 at 6.93%$881.91
133,500 at 6.94%$882.81
133,500 at 6.95%$883.70
133,500 at 6.96%$884.60
133,500 at 6.97%$885.49
133,500 at 6.98%$886.39
133,500 at 6.99%$887.28
133,500 at 7%$888.18
133,500 at 7.01%$889.08
133,500 at 7.02%$889.97
133,500 at 7.03%$890.87
133,500 at 7.04%$891.77
133,500 at 7.05%$892.67
133,500 at 7.06%$893.56
133,500 at 7.07%$894.46
133,500 at 7.08%$895.36
133,500 at 7.09%$896.26
133,500 at 7.1%$897.16
133,500 at 7.11%$898.06
133,500 at 7.12%$898.96
133,500 at 7.13%$899.86
133,500 at 7.14%$900.77
133,500 at 7.15%$901.67
133,500 at 7.16%$902.57
133,500 at 7.17%$903.47
133,500 at 7.18%$904.38
133,500 at 7.19%$905.28
133,500 at 7.2%$906.18
133,500 at 7.21%$907.09
133,500 at 7.22%$907.99
133,500 at 7.23%$908.90
133,500 at 7.24%$909.80
133,500 at 7.25%$910.71
133,500 at 7.26%$911.61
133,500 at 7.27%$912.52
133,500 at 7.28%$913.42
133,500 at 7.29%$914.33
133,500 at 7.3%$915.24
133,500 at 7.31%$916.14
133,500 at 7.32%$917.05
133,500 at 7.33%$917.96
133,500 at 7.34%$918.87
133,500 at 7.35%$919.78
133,500 at 7.36%$920.69
133,500 at 7.37%$921.60
133,500 at 7.38%$922.51
133,500 at 7.39%$923.42
133,500 at 7.4%$924.33
133,500 at 7.41%$925.24
133,500 at 7.42%$926.15
133,500 at 7.43%$927.06
133,500 at 7.44%$927.97
133,500 at 7.45%$928.88
133,500 at 7.46%$929.80
133,500 at 7.47%$930.71
133,500 at 7.48%$931.62
133,500 at 7.49%$932.54
133,500 at 7.5%$933.45
133,500 at 7.51%$934.37
133,500 at 7.52%$935.28
133,500 at 7.53%$936.20
133,500 at 7.54%$937.11
133,500 at 7.55%$938.03
133,500 at 7.56%$938.94
133,500 at 7.57%$939.86
133,500 at 7.58%$940.78
133,500 at 7.59%$941.69
133,500 at 7.6%$942.61
133,500 at 7.61%$943.53
133,500 at 7.62%$944.45
133,500 at 7.63%$945.36
133,500 at 7.64%$946.28
133,500 at 7.65%$947.20
133,500 at 7.66%$948.12
133,500 at 7.67%$949.04
133,500 at 7.68%$949.96
133,500 at 7.69%$950.88
133,500 at 7.7%$951.80
133,500 at 7.71%$952.72
133,500 at 7.72%$953.64
133,500 at 7.73%$954.57
133,500 at 7.74%$955.49
133,500 at 7.75%$956.41
133,500 at 7.76%$957.33
133,500 at 7.77%$958.26
133,500 at 7.78%$959.18
133,500 at 7.79%$960.10
133,500 at 7.8%$961.03
133,500 at 7.81%$961.95
133,500 at 7.82%$962.88
133,500 at 7.83%$963.80
133,500 at 7.84%$964.73
133,500 at 7.85%$965.65
133,500 at 7.86%$966.58
133,500 at 7.87%$967.50
133,500 at 7.88%$968.43
133,500 at 7.89%$969.36
133,500 at 7.9%$970.29
133,500 at 7.91%$971.21
133,500 at 7.92%$972.14
133,500 at 7.93%$973.07
133,500 at 7.94%$974.00
133,500 at 7.95%$974.93
133,500 at 7.96%$975.86
133,500 at 7.97%$976.79
133,500 at 7.98%$977.72
133,500 at 7.99%$978.65
133,500 at 8%$979.58
More Amounts
What is the down payment for a $133,500 house? How much do you need to put down?
Percent Down Down Payment
1%1,335
2%2,670
3%4,005
4%5,340
5%6,675
6%8,010
7%9,345
8%10,680
9%12,015
10%13,350
11%14,685
12%16,020
13%17,355
14%18,690
15%20,025
16%21,360
17%22,695
18%24,030
19%25,365
20%26,700
Percent Down Down Payment
21%28,035
22%29,370
23%30,705
24%32,040
25%33,375
26%34,710
27%36,045
28%37,380
29%38,715
30%40,050
31%41,385
32%42,720
33%44,055
34%45,390
35%46,725
36%48,060
37%49,395
38%50,730
39%52,065
40%53,400
Percent Down Down Payment
41%54,735
42%56,070
43%57,405
44%58,740
45%60,075
46%61,410
47%62,745
48%64,080
49%65,415
50%66,750
51%68,085
52%69,420
53%70,755
54%72,090
55%73,425
56%74,760
57%76,095
58%77,430
59%78,765
60%80,100
Percent Down Down Payment
61%81,435
62%82,770
63%84,105
64%85,440
65%86,775
66%88,110
67%89,445
68%90,780
69%92,115
70%93,450
71%94,785
72%96,120
73%97,455
74%98,790
75%100,125
76%101,460
77%102,795
78%104,130
79%105,465
80%106,800
Percent Down Down Payment
81%108,135
82%109,470
83%110,805
84%112,140
85%113,475
86%114,810
87%116,145
88%117,480
89%118,815
90%120,150
91%121,485
92%122,820
93%124,155
94%125,490
95%126,825
96%128,160
97%129,495
98%130,830
99%132,165
100%133,500
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.