$134,350 Mortgage for 30 Years

What is the monthly payment of a 134,350 dollar loan?
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Loan Tables for a $134,350 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 $134,350 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
134,350 at 2.01%$497.26
134,350 at 2.02%$497.93
134,350 at 2.03%$498.60
134,350 at 2.04%$499.28
134,350 at 2.05%$499.95
134,350 at 2.06%$500.62
134,350 at 2.07%$501.30
134,350 at 2.08%$501.98
134,350 at 2.09%$502.65
134,350 at 2.1%$503.33
134,350 at 2.11%$504.01
134,350 at 2.12%$504.68
134,350 at 2.13%$505.36
134,350 at 2.14%$506.04
134,350 at 2.15%$506.72
134,350 at 2.16%$507.40
134,350 at 2.17%$508.08
134,350 at 2.18%$508.76
134,350 at 2.19%$509.45
134,350 at 2.2%$510.13
134,350 at 2.21%$510.81
134,350 at 2.22%$511.49
134,350 at 2.23%$512.18
134,350 at 2.24%$512.86
134,350 at 2.25%$513.55
134,350 at 2.26%$514.23
134,350 at 2.27%$514.92
134,350 at 2.28%$515.61
134,350 at 2.29%$516.29
134,350 at 2.3%$516.98
134,350 at 2.31%$517.67
134,350 at 2.32%$518.36
134,350 at 2.33%$519.05
134,350 at 2.34%$519.74
134,350 at 2.35%$520.43
134,350 at 2.36%$521.12
134,350 at 2.37%$521.81
134,350 at 2.38%$522.50
134,350 at 2.39%$523.19
134,350 at 2.4%$523.89
134,350 at 2.41%$524.58
134,350 at 2.42%$525.27
134,350 at 2.43%$525.97
134,350 at 2.44%$526.66
134,350 at 2.45%$527.36
134,350 at 2.46%$528.06
134,350 at 2.47%$528.75
134,350 at 2.48%$529.45
134,350 at 2.49%$530.15
134,350 at 2.5%$530.84
134,350 at 2.51%$531.54
134,350 at 2.52%$532.24
134,350 at 2.53%$532.94
134,350 at 2.54%$533.64
134,350 at 2.55%$534.34
134,350 at 2.56%$535.05
134,350 at 2.57%$535.75
134,350 at 2.58%$536.45
134,350 at 2.59%$537.15
134,350 at 2.6%$537.86
134,350 at 2.61%$538.56
134,350 at 2.62%$539.27
134,350 at 2.63%$539.97
134,350 at 2.64%$540.68
134,350 at 2.65%$541.38
134,350 at 2.66%$542.09
134,350 at 2.67%$542.80
134,350 at 2.68%$543.50
134,350 at 2.69%$544.21
134,350 at 2.7%$544.92
134,350 at 2.71%$545.63
134,350 at 2.72%$546.34
134,350 at 2.73%$547.05
134,350 at 2.74%$547.76
134,350 at 2.75%$548.47
134,350 at 2.76%$549.18
134,350 at 2.77%$549.90
134,350 at 2.78%$550.61
134,350 at 2.79%$551.32
134,350 at 2.8%$552.04
134,350 at 2.81%$552.75
134,350 at 2.82%$553.47
134,350 at 2.83%$554.18
134,350 at 2.84%$554.90
134,350 at 2.85%$555.61
134,350 at 2.86%$556.33
134,350 at 2.87%$557.05
134,350 at 2.88%$557.77
134,350 at 2.89%$558.49
134,350 at 2.9%$559.20
134,350 at 2.91%$559.92
134,350 at 2.92%$560.64
134,350 at 2.93%$561.37
134,350 at 2.94%$562.09
134,350 at 2.95%$562.81
134,350 at 2.96%$563.53
134,350 at 2.97%$564.25
134,350 at 2.98%$564.98
134,350 at 2.99%$565.70
134,350 at 3%$566.43
134,350 at 3.01%$567.15
134,350 at 3.02%$567.88
134,350 at 3.03%$568.60
134,350 at 3.04%$569.33
134,350 at 3.05%$570.05
134,350 at 3.06%$570.78
134,350 at 3.07%$571.51
134,350 at 3.08%$572.24
134,350 at 3.09%$572.97
134,350 at 3.1%$573.70
134,350 at 3.11%$574.43
134,350 at 3.12%$575.16
134,350 at 3.13%$575.89
134,350 at 3.14%$576.62
134,350 at 3.15%$577.35
134,350 at 3.16%$578.08
134,350 at 3.17%$578.82
134,350 at 3.18%$579.55
134,350 at 3.19%$580.28
134,350 at 3.2%$581.02
134,350 at 3.21%$581.75
134,350 at 3.22%$582.49
134,350 at 3.23%$583.23
134,350 at 3.24%$583.96
134,350 at 3.25%$584.70
134,350 at 3.26%$585.44
134,350 at 3.27%$586.18
134,350 at 3.28%$586.91
134,350 at 3.29%$587.65
134,350 at 3.3%$588.39
134,350 at 3.31%$589.13
134,350 at 3.32%$589.87
134,350 at 3.33%$590.61
134,350 at 3.34%$591.36
134,350 at 3.35%$592.10
134,350 at 3.36%$592.84
134,350 at 3.37%$593.58
134,350 at 3.38%$594.33
134,350 at 3.39%$595.07
134,350 at 3.4%$595.82
134,350 at 3.41%$596.56
134,350 at 3.42%$597.31
134,350 at 3.43%$598.05
134,350 at 3.44%$598.80
134,350 at 3.45%$599.55
134,350 at 3.46%$600.30
134,350 at 3.47%$601.04
134,350 at 3.48%$601.79
134,350 at 3.49%$602.54
134,350 at 3.5%$603.29
Interest Rate 30 Year
134,350 at 3.51%$604.04
134,350 at 3.52%$604.79
134,350 at 3.53%$605.54
134,350 at 3.54%$606.30
134,350 at 3.55%$607.05
134,350 at 3.56%$607.80
134,350 at 3.57%$608.55
134,350 at 3.58%$609.31
134,350 at 3.59%$610.06
134,350 at 3.6%$610.82
134,350 at 3.61%$611.57
134,350 at 3.62%$612.33
134,350 at 3.63%$613.08
134,350 at 3.64%$613.84
134,350 at 3.65%$614.60
134,350 at 3.66%$615.35
134,350 at 3.67%$616.11
134,350 at 3.68%$616.87
134,350 at 3.69%$617.63
134,350 at 3.7%$618.39
134,350 at 3.71%$619.15
134,350 at 3.72%$619.91
134,350 at 3.73%$620.67
134,350 at 3.74%$621.43
134,350 at 3.75%$622.20
134,350 at 3.76%$622.96
134,350 at 3.77%$623.72
134,350 at 3.78%$624.49
134,350 at 3.79%$625.25
134,350 at 3.8%$626.01
134,350 at 3.81%$626.78
134,350 at 3.82%$627.54
134,350 at 3.83%$628.31
134,350 at 3.84%$629.08
134,350 at 3.85%$629.84
134,350 at 3.86%$630.61
134,350 at 3.87%$631.38
134,350 at 3.88%$632.15
134,350 at 3.89%$632.92
134,350 at 3.9%$633.69
134,350 at 3.91%$634.46
134,350 at 3.92%$635.23
134,350 at 3.93%$636.00
134,350 at 3.94%$636.77
134,350 at 3.95%$637.54
134,350 at 3.96%$638.31
134,350 at 3.97%$639.09
134,350 at 3.98%$639.86
134,350 at 3.99%$640.63
134,350 at 4%$641.41
134,350 at 4.01%$642.18
134,350 at 4.02%$642.96
134,350 at 4.03%$643.73
134,350 at 4.04%$644.51
134,350 at 4.05%$645.29
134,350 at 4.06%$646.06
134,350 at 4.07%$646.84
134,350 at 4.08%$647.62
134,350 at 4.09%$648.40
134,350 at 4.1%$649.18
134,350 at 4.11%$649.96
134,350 at 4.12%$650.74
134,350 at 4.13%$651.52
134,350 at 4.14%$652.30
134,350 at 4.15%$653.08
134,350 at 4.16%$653.86
134,350 at 4.17%$654.64
134,350 at 4.18%$655.43
134,350 at 4.19%$656.21
134,350 at 4.2%$656.99
134,350 at 4.21%$657.78
134,350 at 4.22%$658.56
134,350 at 4.23%$659.35
134,350 at 4.24%$660.13
134,350 at 4.25%$660.92
134,350 at 4.26%$661.71
134,350 at 4.27%$662.50
134,350 at 4.28%$663.28
134,350 at 4.29%$664.07
134,350 at 4.3%$664.86
134,350 at 4.31%$665.65
134,350 at 4.32%$666.44
134,350 at 4.33%$667.23
134,350 at 4.34%$668.02
134,350 at 4.35%$668.81
134,350 at 4.36%$669.60
134,350 at 4.37%$670.39
134,350 at 4.38%$671.19
134,350 at 4.39%$671.98
134,350 at 4.4%$672.77
134,350 at 4.41%$673.57
134,350 at 4.42%$674.36
134,350 at 4.43%$675.16
134,350 at 4.44%$675.95
134,350 at 4.45%$676.75
134,350 at 4.46%$677.54
134,350 at 4.47%$678.34
134,350 at 4.48%$679.14
134,350 at 4.49%$679.93
134,350 at 4.5%$680.73
134,350 at 4.51%$681.53
134,350 at 4.52%$682.33
134,350 at 4.53%$683.13
134,350 at 4.54%$683.93
134,350 at 4.55%$684.73
134,350 at 4.56%$685.53
134,350 at 4.57%$686.33
134,350 at 4.58%$687.13
134,350 at 4.59%$687.94
134,350 at 4.6%$688.74
134,350 at 4.61%$689.54
134,350 at 4.62%$690.34
134,350 at 4.63%$691.15
134,350 at 4.64%$691.95
134,350 at 4.65%$692.76
134,350 at 4.66%$693.56
134,350 at 4.67%$694.37
134,350 at 4.68%$695.18
134,350 at 4.69%$695.98
134,350 at 4.7%$696.79
134,350 at 4.71%$697.60
134,350 at 4.72%$698.41
134,350 at 4.73%$699.21
134,350 at 4.74%$700.02
134,350 at 4.75%$700.83
134,350 at 4.76%$701.64
134,350 at 4.77%$702.45
134,350 at 4.78%$703.26
134,350 at 4.79%$704.08
134,350 at 4.8%$704.89
134,350 at 4.81%$705.70
134,350 at 4.82%$706.51
134,350 at 4.83%$707.33
134,350 at 4.84%$708.14
134,350 at 4.85%$708.95
134,350 at 4.86%$709.77
134,350 at 4.87%$710.58
134,350 at 4.88%$711.40
134,350 at 4.89%$712.21
134,350 at 4.9%$713.03
134,350 at 4.91%$713.85
134,350 at 4.92%$714.67
134,350 at 4.93%$715.48
134,350 at 4.94%$716.30
134,350 at 4.95%$717.12
134,350 at 4.96%$717.94
134,350 at 4.97%$718.76
134,350 at 4.98%$719.58
134,350 at 4.99%$720.40
134,350 at 5%$721.22
Interest Rate 30 Year
134,350 at 5.01%$722.04
134,350 at 5.02%$722.86
134,350 at 5.03%$723.69
134,350 at 5.04%$724.51
134,350 at 5.05%$725.33
134,350 at 5.06%$726.15
134,350 at 5.07%$726.98
134,350 at 5.08%$727.80
134,350 at 5.09%$728.63
134,350 at 5.1%$729.45
134,350 at 5.11%$730.28
134,350 at 5.12%$731.10
134,350 at 5.13%$731.93
134,350 at 5.14%$732.76
134,350 at 5.15%$733.59
134,350 at 5.16%$734.41
134,350 at 5.17%$735.24
134,350 at 5.18%$736.07
134,350 at 5.19%$736.90
134,350 at 5.2%$737.73
134,350 at 5.21%$738.56
134,350 at 5.22%$739.39
134,350 at 5.23%$740.22
134,350 at 5.24%$741.05
134,350 at 5.25%$741.89
134,350 at 5.26%$742.72
134,350 at 5.27%$743.55
134,350 at 5.28%$744.38
134,350 at 5.29%$745.22
134,350 at 5.3%$746.05
134,350 at 5.31%$746.89
134,350 at 5.32%$747.72
134,350 at 5.33%$748.56
134,350 at 5.34%$749.39
134,350 at 5.35%$750.23
134,350 at 5.36%$751.07
134,350 at 5.37%$751.90
134,350 at 5.38%$752.74
134,350 at 5.39%$753.58
134,350 at 5.4%$754.42
134,350 at 5.41%$755.26
134,350 at 5.42%$756.09
134,350 at 5.43%$756.93
134,350 at 5.44%$757.77
134,350 at 5.45%$758.62
134,350 at 5.46%$759.46
134,350 at 5.47%$760.30
134,350 at 5.48%$761.14
134,350 at 5.49%$761.98
134,350 at 5.5%$762.82
134,350 at 5.51%$763.67
134,350 at 5.52%$764.51
134,350 at 5.53%$765.36
134,350 at 5.54%$766.20
134,350 at 5.55%$767.04
134,350 at 5.56%$767.89
134,350 at 5.57%$768.74
134,350 at 5.58%$769.58
134,350 at 5.59%$770.43
134,350 at 5.6%$771.28
134,350 at 5.61%$772.12
134,350 at 5.62%$772.97
134,350 at 5.63%$773.82
134,350 at 5.64%$774.67
134,350 at 5.65%$775.52
134,350 at 5.66%$776.37
134,350 at 5.67%$777.22
134,350 at 5.68%$778.07
134,350 at 5.69%$778.92
134,350 at 5.7%$779.77
134,350 at 5.71%$780.62
134,350 at 5.72%$781.47
134,350 at 5.73%$782.32
134,350 at 5.74%$783.18
134,350 at 5.75%$784.03
134,350 at 5.76%$784.88
134,350 at 5.77%$785.74
134,350 at 5.78%$786.59
134,350 at 5.79%$787.45
134,350 at 5.8%$788.30
134,350 at 5.81%$789.16
134,350 at 5.82%$790.01
134,350 at 5.83%$790.87
134,350 at 5.84%$791.73
134,350 at 5.85%$792.59
134,350 at 5.86%$793.44
134,350 at 5.87%$794.30
134,350 at 5.88%$795.16
134,350 at 5.89%$796.02
134,350 at 5.9%$796.88
134,350 at 5.91%$797.74
134,350 at 5.92%$798.60
134,350 at 5.93%$799.46
134,350 at 5.94%$800.32
134,350 at 5.95%$801.18
134,350 at 5.96%$802.04
134,350 at 5.97%$802.91
134,350 at 5.98%$803.77
134,350 at 5.99%$804.63
134,350 at 6%$805.50
134,350 at 6.01%$806.36
134,350 at 6.02%$807.22
134,350 at 6.03%$808.09
134,350 at 6.04%$808.95
134,350 at 6.05%$809.82
134,350 at 6.06%$810.69
134,350 at 6.07%$811.55
134,350 at 6.08%$812.42
134,350 at 6.09%$813.29
134,350 at 6.1%$814.15
134,350 at 6.11%$815.02
134,350 at 6.12%$815.89
134,350 at 6.13%$816.76
134,350 at 6.14%$817.63
134,350 at 6.15%$818.50
134,350 at 6.16%$819.37
134,350 at 6.17%$820.24
134,350 at 6.18%$821.11
134,350 at 6.19%$821.98
134,350 at 6.2%$822.85
134,350 at 6.21%$823.72
134,350 at 6.22%$824.60
134,350 at 6.23%$825.47
134,350 at 6.24%$826.34
134,350 at 6.25%$827.22
134,350 at 6.26%$828.09
134,350 at 6.27%$828.96
134,350 at 6.28%$829.84
134,350 at 6.29%$830.71
134,350 at 6.3%$831.59
134,350 at 6.31%$832.47
134,350 at 6.32%$833.34
134,350 at 6.33%$834.22
134,350 at 6.34%$835.10
134,350 at 6.35%$835.97
134,350 at 6.36%$836.85
134,350 at 6.37%$837.73
134,350 at 6.38%$838.61
134,350 at 6.39%$839.49
134,350 at 6.4%$840.37
134,350 at 6.41%$841.25
134,350 at 6.42%$842.13
134,350 at 6.43%$843.01
134,350 at 6.44%$843.89
134,350 at 6.45%$844.77
134,350 at 6.46%$845.65
134,350 at 6.47%$846.53
134,350 at 6.48%$847.42
134,350 at 6.49%$848.30
134,350 at 6.5%$849.18
Interest Rate 30 Year
134,350 at 6.51%$850.07
134,350 at 6.52%$850.95
134,350 at 6.53%$851.84
134,350 at 6.54%$852.72
134,350 at 6.55%$853.61
134,350 at 6.56%$854.49
134,350 at 6.57%$855.38
134,350 at 6.58%$856.26
134,350 at 6.59%$857.15
134,350 at 6.6%$858.04
134,350 at 6.61%$858.93
134,350 at 6.62%$859.81
134,350 at 6.63%$860.70
134,350 at 6.64%$861.59
134,350 at 6.65%$862.48
134,350 at 6.66%$863.37
134,350 at 6.67%$864.26
134,350 at 6.68%$865.15
134,350 at 6.69%$866.04
134,350 at 6.7%$866.93
134,350 at 6.71%$867.82
134,350 at 6.72%$868.71
134,350 at 6.73%$869.61
134,350 at 6.74%$870.50
134,350 at 6.75%$871.39
134,350 at 6.76%$872.28
134,350 at 6.77%$873.18
134,350 at 6.78%$874.07
134,350 at 6.79%$874.97
134,350 at 6.8%$875.86
134,350 at 6.81%$876.76
134,350 at 6.82%$877.65
134,350 at 6.83%$878.55
134,350 at 6.84%$879.44
134,350 at 6.85%$880.34
134,350 at 6.86%$881.24
134,350 at 6.87%$882.14
134,350 at 6.88%$883.03
134,350 at 6.89%$883.93
134,350 at 6.9%$884.83
134,350 at 6.91%$885.73
134,350 at 6.92%$886.63
134,350 at 6.93%$887.53
134,350 at 6.94%$888.43
134,350 at 6.95%$889.33
134,350 at 6.96%$890.23
134,350 at 6.97%$891.13
134,350 at 6.98%$892.03
134,350 at 6.99%$892.93
134,350 at 7%$893.83
134,350 at 7.01%$894.74
134,350 at 7.02%$895.64
134,350 at 7.03%$896.54
134,350 at 7.04%$897.45
134,350 at 7.05%$898.35
134,350 at 7.06%$899.25
134,350 at 7.07%$900.16
134,350 at 7.08%$901.06
134,350 at 7.09%$901.97
134,350 at 7.1%$902.87
134,350 at 7.11%$903.78
134,350 at 7.12%$904.69
134,350 at 7.13%$905.59
134,350 at 7.14%$906.50
134,350 at 7.15%$907.41
134,350 at 7.16%$908.32
134,350 at 7.17%$909.23
134,350 at 7.18%$910.13
134,350 at 7.19%$911.04
134,350 at 7.2%$911.95
134,350 at 7.21%$912.86
134,350 at 7.22%$913.77
134,350 at 7.23%$914.68
134,350 at 7.24%$915.59
134,350 at 7.25%$916.50
134,350 at 7.26%$917.42
134,350 at 7.27%$918.33
134,350 at 7.28%$919.24
134,350 at 7.29%$920.15
134,350 at 7.3%$921.06
134,350 at 7.31%$921.98
134,350 at 7.32%$922.89
134,350 at 7.33%$923.81
134,350 at 7.34%$924.72
134,350 at 7.35%$925.63
134,350 at 7.36%$926.55
134,350 at 7.37%$927.46
134,350 at 7.38%$928.38
134,350 at 7.39%$929.30
134,350 at 7.4%$930.21
134,350 at 7.41%$931.13
134,350 at 7.42%$932.05
134,350 at 7.43%$932.96
134,350 at 7.44%$933.88
134,350 at 7.45%$934.80
134,350 at 7.46%$935.72
134,350 at 7.47%$936.64
134,350 at 7.48%$937.56
134,350 at 7.49%$938.47
134,350 at 7.5%$939.39
134,350 at 7.51%$940.31
134,350 at 7.52%$941.24
134,350 at 7.53%$942.16
134,350 at 7.54%$943.08
134,350 at 7.55%$944.00
134,350 at 7.56%$944.92
134,350 at 7.57%$945.84
134,350 at 7.58%$946.77
134,350 at 7.59%$947.69
134,350 at 7.6%$948.61
134,350 at 7.61%$949.53
134,350 at 7.62%$950.46
134,350 at 7.63%$951.38
134,350 at 7.64%$952.31
134,350 at 7.65%$953.23
134,350 at 7.66%$954.16
134,350 at 7.67%$955.08
134,350 at 7.68%$956.01
134,350 at 7.69%$956.94
134,350 at 7.7%$957.86
134,350 at 7.71%$958.79
134,350 at 7.72%$959.72
134,350 at 7.73%$960.64
134,350 at 7.74%$961.57
134,350 at 7.75%$962.50
134,350 at 7.76%$963.43
134,350 at 7.77%$964.36
134,350 at 7.78%$965.29
134,350 at 7.79%$966.22
134,350 at 7.8%$967.15
134,350 at 7.81%$968.08
134,350 at 7.82%$969.01
134,350 at 7.83%$969.94
134,350 at 7.84%$970.87
134,350 at 7.85%$971.80
134,350 at 7.86%$972.73
134,350 at 7.87%$973.66
134,350 at 7.88%$974.60
134,350 at 7.89%$975.53
134,350 at 7.9%$976.46
134,350 at 7.91%$977.40
134,350 at 7.92%$978.33
134,350 at 7.93%$979.26
134,350 at 7.94%$980.20
134,350 at 7.95%$981.13
134,350 at 7.96%$982.07
134,350 at 7.97%$983.00
134,350 at 7.98%$983.94
134,350 at 7.99%$984.88
134,350 at 8%$985.81
More Amounts
What is the down payment for a $134,350 house? How much do you need to put down?
Percent Down Down Payment
1%1,344
2%2,687
3%4,031
4%5,374
5%6,718
6%8,061
7%9,405
8%10,748
9%12,092
10%13,435
11%14,779
12%16,122
13%17,466
14%18,809
15%20,153
16%21,496
17%22,840
18%24,183
19%25,527
20%26,870
Percent Down Down Payment
21%28,214
22%29,557
23%30,901
24%32,244
25%33,588
26%34,931
27%36,275
28%37,618
29%38,962
30%40,305
31%41,649
32%42,992
33%44,336
34%45,679
35%47,023
36%48,366
37%49,710
38%51,053
39%52,397
40%53,740
Percent Down Down Payment
41%55,084
42%56,427
43%57,771
44%59,114
45%60,458
46%61,801
47%63,145
48%64,488
49%65,832
50%67,175
51%68,519
52%69,862
53%71,206
54%72,549
55%73,893
56%75,236
57%76,580
58%77,923
59%79,267
60%80,610
Percent Down Down Payment
61%81,954
62%83,297
63%84,641
64%85,984
65%87,328
66%88,671
67%90,015
68%91,358
69%92,702
70%94,045
71%95,389
72%96,732
73%98,076
74%99,419
75%100,763
76%102,106
77%103,450
78%104,793
79%106,137
80%107,480
Percent Down Down Payment
81%108,824
82%110,167
83%111,511
84%112,854
85%114,198
86%115,541
87%116,885
88%118,228
89%119,572
90%120,915
91%122,259
92%123,602
93%124,946
94%126,289
95%127,633
96%128,976
97%130,320
98%131,663
99%133,007
100%134,350
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.