$134,100 Mortgage for 30 Years

What is the monthly payment of a 134,100 dollar loan?
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Loan Tables for a $134,100 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 $134,100 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
134,100 at 2.01%$496.33
134,100 at 2.02%$497.00
134,100 at 2.03%$497.67
134,100 at 2.04%$498.35
134,100 at 2.05%$499.02
134,100 at 2.06%$499.69
134,100 at 2.07%$500.37
134,100 at 2.08%$501.04
134,100 at 2.09%$501.72
134,100 at 2.1%$502.39
134,100 at 2.11%$503.07
134,100 at 2.12%$503.75
134,100 at 2.13%$504.42
134,100 at 2.14%$505.10
134,100 at 2.15%$505.78
134,100 at 2.16%$506.46
134,100 at 2.17%$507.14
134,100 at 2.18%$507.82
134,100 at 2.19%$508.50
134,100 at 2.2%$509.18
134,100 at 2.21%$509.86
134,100 at 2.22%$510.54
134,100 at 2.23%$511.23
134,100 at 2.24%$511.91
134,100 at 2.25%$512.59
134,100 at 2.26%$513.28
134,100 at 2.27%$513.96
134,100 at 2.28%$514.65
134,100 at 2.29%$515.33
134,100 at 2.3%$516.02
134,100 at 2.31%$516.71
134,100 at 2.32%$517.39
134,100 at 2.33%$518.08
134,100 at 2.34%$518.77
134,100 at 2.35%$519.46
134,100 at 2.36%$520.15
134,100 at 2.37%$520.84
134,100 at 2.38%$521.53
134,100 at 2.39%$522.22
134,100 at 2.4%$522.91
134,100 at 2.41%$523.60
134,100 at 2.42%$524.30
134,100 at 2.43%$524.99
134,100 at 2.44%$525.68
134,100 at 2.45%$526.38
134,100 at 2.46%$527.07
134,100 at 2.47%$527.77
134,100 at 2.48%$528.46
134,100 at 2.49%$529.16
134,100 at 2.5%$529.86
134,100 at 2.51%$530.55
134,100 at 2.52%$531.25
134,100 at 2.53%$531.95
134,100 at 2.54%$532.65
134,100 at 2.55%$533.35
134,100 at 2.56%$534.05
134,100 at 2.57%$534.75
134,100 at 2.58%$535.45
134,100 at 2.59%$536.15
134,100 at 2.6%$536.86
134,100 at 2.61%$537.56
134,100 at 2.62%$538.26
134,100 at 2.63%$538.97
134,100 at 2.64%$539.67
134,100 at 2.65%$540.37
134,100 at 2.66%$541.08
134,100 at 2.67%$541.79
134,100 at 2.68%$542.49
134,100 at 2.69%$543.20
134,100 at 2.7%$543.91
134,100 at 2.71%$544.61
134,100 at 2.72%$545.32
134,100 at 2.73%$546.03
134,100 at 2.74%$546.74
134,100 at 2.75%$547.45
134,100 at 2.76%$548.16
134,100 at 2.77%$548.87
134,100 at 2.78%$549.58
134,100 at 2.79%$550.30
134,100 at 2.8%$551.01
134,100 at 2.81%$551.72
134,100 at 2.82%$552.44
134,100 at 2.83%$553.15
134,100 at 2.84%$553.87
134,100 at 2.85%$554.58
134,100 at 2.86%$555.30
134,100 at 2.87%$556.01
134,100 at 2.88%$556.73
134,100 at 2.89%$557.45
134,100 at 2.9%$558.16
134,100 at 2.91%$558.88
134,100 at 2.92%$559.60
134,100 at 2.93%$560.32
134,100 at 2.94%$561.04
134,100 at 2.95%$561.76
134,100 at 2.96%$562.48
134,100 at 2.97%$563.20
134,100 at 2.98%$563.93
134,100 at 2.99%$564.65
134,100 at 3%$565.37
134,100 at 3.01%$566.09
134,100 at 3.02%$566.82
134,100 at 3.03%$567.54
134,100 at 3.04%$568.27
134,100 at 3.05%$568.99
134,100 at 3.06%$569.72
134,100 at 3.07%$570.45
134,100 at 3.08%$571.17
134,100 at 3.09%$571.90
134,100 at 3.1%$572.63
134,100 at 3.11%$573.36
134,100 at 3.12%$574.09
134,100 at 3.13%$574.82
134,100 at 3.14%$575.55
134,100 at 3.15%$576.28
134,100 at 3.16%$577.01
134,100 at 3.17%$577.74
134,100 at 3.18%$578.47
134,100 at 3.19%$579.20
134,100 at 3.2%$579.94
134,100 at 3.21%$580.67
134,100 at 3.22%$581.41
134,100 at 3.23%$582.14
134,100 at 3.24%$582.88
134,100 at 3.25%$583.61
134,100 at 3.26%$584.35
134,100 at 3.27%$585.08
134,100 at 3.28%$585.82
134,100 at 3.29%$586.56
134,100 at 3.3%$587.30
134,100 at 3.31%$588.04
134,100 at 3.32%$588.78
134,100 at 3.33%$589.52
134,100 at 3.34%$590.26
134,100 at 3.35%$591.00
134,100 at 3.36%$591.74
134,100 at 3.37%$592.48
134,100 at 3.38%$593.22
134,100 at 3.39%$593.97
134,100 at 3.4%$594.71
134,100 at 3.41%$595.45
134,100 at 3.42%$596.20
134,100 at 3.43%$596.94
134,100 at 3.44%$597.69
134,100 at 3.45%$598.43
134,100 at 3.46%$599.18
134,100 at 3.47%$599.93
134,100 at 3.48%$600.67
134,100 at 3.49%$601.42
134,100 at 3.5%$602.17
Interest Rate 30 Year
134,100 at 3.51%$602.92
134,100 at 3.52%$603.67
134,100 at 3.53%$604.42
134,100 at 3.54%$605.17
134,100 at 3.55%$605.92
134,100 at 3.56%$606.67
134,100 at 3.57%$607.42
134,100 at 3.58%$608.17
134,100 at 3.59%$608.93
134,100 at 3.6%$609.68
134,100 at 3.61%$610.43
134,100 at 3.62%$611.19
134,100 at 3.63%$611.94
134,100 at 3.64%$612.70
134,100 at 3.65%$613.45
134,100 at 3.66%$614.21
134,100 at 3.67%$614.97
134,100 at 3.68%$615.72
134,100 at 3.69%$616.48
134,100 at 3.7%$617.24
134,100 at 3.71%$618.00
134,100 at 3.72%$618.76
134,100 at 3.73%$619.52
134,100 at 3.74%$620.28
134,100 at 3.75%$621.04
134,100 at 3.76%$621.80
134,100 at 3.77%$622.56
134,100 at 3.78%$623.32
134,100 at 3.79%$624.09
134,100 at 3.8%$624.85
134,100 at 3.81%$625.61
134,100 at 3.82%$626.38
134,100 at 3.83%$627.14
134,100 at 3.84%$627.91
134,100 at 3.85%$628.67
134,100 at 3.86%$629.44
134,100 at 3.87%$630.20
134,100 at 3.88%$630.97
134,100 at 3.89%$631.74
134,100 at 3.9%$632.51
134,100 at 3.91%$633.28
134,100 at 3.92%$634.04
134,100 at 3.93%$634.81
134,100 at 3.94%$635.58
134,100 at 3.95%$636.35
134,100 at 3.96%$637.13
134,100 at 3.97%$637.90
134,100 at 3.98%$638.67
134,100 at 3.99%$639.44
134,100 at 4%$640.21
134,100 at 4.01%$640.99
134,100 at 4.02%$641.76
134,100 at 4.03%$642.54
134,100 at 4.04%$643.31
134,100 at 4.05%$644.09
134,100 at 4.06%$644.86
134,100 at 4.07%$645.64
134,100 at 4.08%$646.41
134,100 at 4.09%$647.19
134,100 at 4.1%$647.97
134,100 at 4.11%$648.75
134,100 at 4.12%$649.53
134,100 at 4.13%$650.30
134,100 at 4.14%$651.08
134,100 at 4.15%$651.86
134,100 at 4.16%$652.65
134,100 at 4.17%$653.43
134,100 at 4.18%$654.21
134,100 at 4.19%$654.99
134,100 at 4.2%$655.77
134,100 at 4.21%$656.55
134,100 at 4.22%$657.34
134,100 at 4.23%$658.12
134,100 at 4.24%$658.91
134,100 at 4.25%$659.69
134,100 at 4.26%$660.48
134,100 at 4.27%$661.26
134,100 at 4.28%$662.05
134,100 at 4.29%$662.84
134,100 at 4.3%$663.62
134,100 at 4.31%$664.41
134,100 at 4.32%$665.20
134,100 at 4.33%$665.99
134,100 at 4.34%$666.78
134,100 at 4.35%$667.57
134,100 at 4.36%$668.36
134,100 at 4.37%$669.15
134,100 at 4.38%$669.94
134,100 at 4.39%$670.73
134,100 at 4.4%$671.52
134,100 at 4.41%$672.31
134,100 at 4.42%$673.11
134,100 at 4.43%$673.90
134,100 at 4.44%$674.69
134,100 at 4.45%$675.49
134,100 at 4.46%$676.28
134,100 at 4.47%$677.08
134,100 at 4.48%$677.87
134,100 at 4.49%$678.67
134,100 at 4.5%$679.47
134,100 at 4.51%$680.26
134,100 at 4.52%$681.06
134,100 at 4.53%$681.86
134,100 at 4.54%$682.66
134,100 at 4.55%$683.45
134,100 at 4.56%$684.25
134,100 at 4.57%$685.05
134,100 at 4.58%$685.85
134,100 at 4.59%$686.65
134,100 at 4.6%$687.46
134,100 at 4.61%$688.26
134,100 at 4.62%$689.06
134,100 at 4.63%$689.86
134,100 at 4.64%$690.67
134,100 at 4.65%$691.47
134,100 at 4.66%$692.27
134,100 at 4.67%$693.08
134,100 at 4.68%$693.88
134,100 at 4.69%$694.69
134,100 at 4.7%$695.49
134,100 at 4.71%$696.30
134,100 at 4.72%$697.11
134,100 at 4.73%$697.91
134,100 at 4.74%$698.72
134,100 at 4.75%$699.53
134,100 at 4.76%$700.34
134,100 at 4.77%$701.15
134,100 at 4.78%$701.96
134,100 at 4.79%$702.77
134,100 at 4.8%$703.58
134,100 at 4.81%$704.39
134,100 at 4.82%$705.20
134,100 at 4.83%$706.01
134,100 at 4.84%$706.82
134,100 at 4.85%$707.63
134,100 at 4.86%$708.45
134,100 at 4.87%$709.26
134,100 at 4.88%$710.08
134,100 at 4.89%$710.89
134,100 at 4.9%$711.70
134,100 at 4.91%$712.52
134,100 at 4.92%$713.34
134,100 at 4.93%$714.15
134,100 at 4.94%$714.97
134,100 at 4.95%$715.79
134,100 at 4.96%$716.60
134,100 at 4.97%$717.42
134,100 at 4.98%$718.24
134,100 at 4.99%$719.06
134,100 at 5%$719.88
Interest Rate 30 Year
134,100 at 5.01%$720.70
134,100 at 5.02%$721.52
134,100 at 5.03%$722.34
134,100 at 5.04%$723.16
134,100 at 5.05%$723.98
134,100 at 5.06%$724.80
134,100 at 5.07%$725.63
134,100 at 5.08%$726.45
134,100 at 5.09%$727.27
134,100 at 5.1%$728.10
134,100 at 5.11%$728.92
134,100 at 5.12%$729.74
134,100 at 5.13%$730.57
134,100 at 5.14%$731.40
134,100 at 5.15%$732.22
134,100 at 5.16%$733.05
134,100 at 5.17%$733.87
134,100 at 5.18%$734.70
134,100 at 5.19%$735.53
134,100 at 5.2%$736.36
134,100 at 5.21%$737.19
134,100 at 5.22%$738.02
134,100 at 5.23%$738.84
134,100 at 5.24%$739.67
134,100 at 5.25%$740.51
134,100 at 5.26%$741.34
134,100 at 5.27%$742.17
134,100 at 5.28%$743.00
134,100 at 5.29%$743.83
134,100 at 5.3%$744.66
134,100 at 5.31%$745.50
134,100 at 5.32%$746.33
134,100 at 5.33%$747.16
134,100 at 5.34%$748.00
134,100 at 5.35%$748.83
134,100 at 5.36%$749.67
134,100 at 5.37%$750.50
134,100 at 5.38%$751.34
134,100 at 5.39%$752.18
134,100 at 5.4%$753.01
134,100 at 5.41%$753.85
134,100 at 5.42%$754.69
134,100 at 5.43%$755.53
134,100 at 5.44%$756.36
134,100 at 5.45%$757.20
134,100 at 5.46%$758.04
134,100 at 5.47%$758.88
134,100 at 5.48%$759.72
134,100 at 5.49%$760.56
134,100 at 5.5%$761.41
134,100 at 5.51%$762.25
134,100 at 5.52%$763.09
134,100 at 5.53%$763.93
134,100 at 5.54%$764.77
134,100 at 5.55%$765.62
134,100 at 5.56%$766.46
134,100 at 5.57%$767.31
134,100 at 5.58%$768.15
134,100 at 5.59%$768.99
134,100 at 5.6%$769.84
134,100 at 5.61%$770.69
134,100 at 5.62%$771.53
134,100 at 5.63%$772.38
134,100 at 5.64%$773.23
134,100 at 5.65%$774.07
134,100 at 5.66%$774.92
134,100 at 5.67%$775.77
134,100 at 5.68%$776.62
134,100 at 5.69%$777.47
134,100 at 5.7%$778.32
134,100 at 5.71%$779.17
134,100 at 5.72%$780.02
134,100 at 5.73%$780.87
134,100 at 5.74%$781.72
134,100 at 5.75%$782.57
134,100 at 5.76%$783.42
134,100 at 5.77%$784.28
134,100 at 5.78%$785.13
134,100 at 5.79%$785.98
134,100 at 5.8%$786.84
134,100 at 5.81%$787.69
134,100 at 5.82%$788.54
134,100 at 5.83%$789.40
134,100 at 5.84%$790.25
134,100 at 5.85%$791.11
134,100 at 5.86%$791.97
134,100 at 5.87%$792.82
134,100 at 5.88%$793.68
134,100 at 5.89%$794.54
134,100 at 5.9%$795.40
134,100 at 5.91%$796.25
134,100 at 5.92%$797.11
134,100 at 5.93%$797.97
134,100 at 5.94%$798.83
134,100 at 5.95%$799.69
134,100 at 5.96%$800.55
134,100 at 5.97%$801.41
134,100 at 5.98%$802.27
134,100 at 5.99%$803.14
134,100 at 6%$804.00
134,100 at 6.01%$804.86
134,100 at 6.02%$805.72
134,100 at 6.03%$806.59
134,100 at 6.04%$807.45
134,100 at 6.05%$808.31
134,100 at 6.06%$809.18
134,100 at 6.07%$810.04
134,100 at 6.08%$810.91
134,100 at 6.09%$811.77
134,100 at 6.1%$812.64
134,100 at 6.11%$813.51
134,100 at 6.12%$814.37
134,100 at 6.13%$815.24
134,100 at 6.14%$816.11
134,100 at 6.15%$816.97
134,100 at 6.16%$817.84
134,100 at 6.17%$818.71
134,100 at 6.18%$819.58
134,100 at 6.19%$820.45
134,100 at 6.2%$821.32
134,100 at 6.21%$822.19
134,100 at 6.22%$823.06
134,100 at 6.23%$823.93
134,100 at 6.24%$824.80
134,100 at 6.25%$825.68
134,100 at 6.26%$826.55
134,100 at 6.27%$827.42
134,100 at 6.28%$828.30
134,100 at 6.29%$829.17
134,100 at 6.3%$830.04
134,100 at 6.31%$830.92
134,100 at 6.32%$831.79
134,100 at 6.33%$832.67
134,100 at 6.34%$833.54
134,100 at 6.35%$834.42
134,100 at 6.36%$835.29
134,100 at 6.37%$836.17
134,100 at 6.38%$837.05
134,100 at 6.39%$837.93
134,100 at 6.4%$838.80
134,100 at 6.41%$839.68
134,100 at 6.42%$840.56
134,100 at 6.43%$841.44
134,100 at 6.44%$842.32
134,100 at 6.45%$843.20
134,100 at 6.46%$844.08
134,100 at 6.47%$844.96
134,100 at 6.48%$845.84
134,100 at 6.49%$846.72
134,100 at 6.5%$847.60
Interest Rate 30 Year
134,100 at 6.51%$848.49
134,100 at 6.52%$849.37
134,100 at 6.53%$850.25
134,100 at 6.54%$851.13
134,100 at 6.55%$852.02
134,100 at 6.56%$852.90
134,100 at 6.57%$853.79
134,100 at 6.58%$854.67
134,100 at 6.59%$855.56
134,100 at 6.6%$856.44
134,100 at 6.61%$857.33
134,100 at 6.62%$858.21
134,100 at 6.63%$859.10
134,100 at 6.64%$859.99
134,100 at 6.65%$860.87
134,100 at 6.66%$861.76
134,100 at 6.67%$862.65
134,100 at 6.68%$863.54
134,100 at 6.69%$864.43
134,100 at 6.7%$865.32
134,100 at 6.71%$866.21
134,100 at 6.72%$867.10
134,100 at 6.73%$867.99
134,100 at 6.74%$868.88
134,100 at 6.75%$869.77
134,100 at 6.76%$870.66
134,100 at 6.77%$871.55
134,100 at 6.78%$872.45
134,100 at 6.79%$873.34
134,100 at 6.8%$874.23
134,100 at 6.81%$875.13
134,100 at 6.82%$876.02
134,100 at 6.83%$876.91
134,100 at 6.84%$877.81
134,100 at 6.85%$878.70
134,100 at 6.86%$879.60
134,100 at 6.87%$880.49
134,100 at 6.88%$881.39
134,100 at 6.89%$882.29
134,100 at 6.9%$883.18
134,100 at 6.91%$884.08
134,100 at 6.92%$884.98
134,100 at 6.93%$885.88
134,100 at 6.94%$886.77
134,100 at 6.95%$887.67
134,100 at 6.96%$888.57
134,100 at 6.97%$889.47
134,100 at 6.98%$890.37
134,100 at 6.99%$891.27
134,100 at 7%$892.17
134,100 at 7.01%$893.07
134,100 at 7.02%$893.97
134,100 at 7.03%$894.87
134,100 at 7.04%$895.78
134,100 at 7.05%$896.68
134,100 at 7.06%$897.58
134,100 at 7.07%$898.48
134,100 at 7.08%$899.39
134,100 at 7.09%$900.29
134,100 at 7.1%$901.19
134,100 at 7.11%$902.10
134,100 at 7.12%$903.00
134,100 at 7.13%$903.91
134,100 at 7.14%$904.81
134,100 at 7.15%$905.72
134,100 at 7.16%$906.63
134,100 at 7.17%$907.53
134,100 at 7.18%$908.44
134,100 at 7.19%$909.35
134,100 at 7.2%$910.25
134,100 at 7.21%$911.16
134,100 at 7.22%$912.07
134,100 at 7.23%$912.98
134,100 at 7.24%$913.89
134,100 at 7.25%$914.80
134,100 at 7.26%$915.71
134,100 at 7.27%$916.62
134,100 at 7.28%$917.53
134,100 at 7.29%$918.44
134,100 at 7.3%$919.35
134,100 at 7.31%$920.26
134,100 at 7.32%$921.17
134,100 at 7.33%$922.09
134,100 at 7.34%$923.00
134,100 at 7.35%$923.91
134,100 at 7.36%$924.82
134,100 at 7.37%$925.74
134,100 at 7.38%$926.65
134,100 at 7.39%$927.57
134,100 at 7.4%$928.48
134,100 at 7.41%$929.40
134,100 at 7.42%$930.31
134,100 at 7.43%$931.23
134,100 at 7.44%$932.14
134,100 at 7.45%$933.06
134,100 at 7.46%$933.98
134,100 at 7.47%$934.89
134,100 at 7.48%$935.81
134,100 at 7.49%$936.73
134,100 at 7.5%$937.65
134,100 at 7.51%$938.57
134,100 at 7.52%$939.48
134,100 at 7.53%$940.40
134,100 at 7.54%$941.32
134,100 at 7.55%$942.24
134,100 at 7.56%$943.16
134,100 at 7.57%$944.08
134,100 at 7.58%$945.00
134,100 at 7.59%$945.92
134,100 at 7.6%$946.85
134,100 at 7.61%$947.77
134,100 at 7.62%$948.69
134,100 at 7.63%$949.61
134,100 at 7.64%$950.54
134,100 at 7.65%$951.46
134,100 at 7.66%$952.38
134,100 at 7.67%$953.31
134,100 at 7.68%$954.23
134,100 at 7.69%$955.15
134,100 at 7.7%$956.08
134,100 at 7.71%$957.00
134,100 at 7.72%$957.93
134,100 at 7.73%$958.86
134,100 at 7.74%$959.78
134,100 at 7.75%$960.71
134,100 at 7.76%$961.64
134,100 at 7.77%$962.56
134,100 at 7.78%$963.49
134,100 at 7.79%$964.42
134,100 at 7.8%$965.35
134,100 at 7.81%$966.27
134,100 at 7.82%$967.20
134,100 at 7.83%$968.13
134,100 at 7.84%$969.06
134,100 at 7.85%$969.99
134,100 at 7.86%$970.92
134,100 at 7.87%$971.85
134,100 at 7.88%$972.78
134,100 at 7.89%$973.71
134,100 at 7.9%$974.65
134,100 at 7.91%$975.58
134,100 at 7.92%$976.51
134,100 at 7.93%$977.44
134,100 at 7.94%$978.38
134,100 at 7.95%$979.31
134,100 at 7.96%$980.24
134,100 at 7.97%$981.18
134,100 at 7.98%$982.11
134,100 at 7.99%$983.04
134,100 at 8%$983.98
More Amounts
What is the down payment for a $134,100 house? How much do you need to put down?
Percent Down Down Payment
1%1,341
2%2,682
3%4,023
4%5,364
5%6,705
6%8,046
7%9,387
8%10,728
9%12,069
10%13,410
11%14,751
12%16,092
13%17,433
14%18,774
15%20,115
16%21,456
17%22,797
18%24,138
19%25,479
20%26,820
Percent Down Down Payment
21%28,161
22%29,502
23%30,843
24%32,184
25%33,525
26%34,866
27%36,207
28%37,548
29%38,889
30%40,230
31%41,571
32%42,912
33%44,253
34%45,594
35%46,935
36%48,276
37%49,617
38%50,958
39%52,299
40%53,640
Percent Down Down Payment
41%54,981
42%56,322
43%57,663
44%59,004
45%60,345
46%61,686
47%63,027
48%64,368
49%65,709
50%67,050
51%68,391
52%69,732
53%71,073
54%72,414
55%73,755
56%75,096
57%76,437
58%77,778
59%79,119
60%80,460
Percent Down Down Payment
61%81,801
62%83,142
63%84,483
64%85,824
65%87,165
66%88,506
67%89,847
68%91,188
69%92,529
70%93,870
71%95,211
72%96,552
73%97,893
74%99,234
75%100,575
76%101,916
77%103,257
78%104,598
79%105,939
80%107,280
Percent Down Down Payment
81%108,621
82%109,962
83%111,303
84%112,644
85%113,985
86%115,326
87%116,667
88%118,008
89%119,349
90%120,690
91%122,031
92%123,372
93%124,713
94%126,054
95%127,395
96%128,736
97%130,077
98%131,418
99%132,759
100%134,100
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.