$134,650 Mortgage for 30 Years

What is the monthly payment of a 134,650 dollar loan?
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Loan Tables for a $134,650 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 135k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $134,650 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
134,650 at 2.01%$498.37
134,650 at 2.02%$499.04
134,650 at 2.03%$499.72
134,650 at 2.04%$500.39
134,650 at 2.05%$501.07
134,650 at 2.06%$501.74
134,650 at 2.07%$502.42
134,650 at 2.08%$503.10
134,650 at 2.09%$503.77
134,650 at 2.1%$504.45
134,650 at 2.11%$505.13
134,650 at 2.12%$505.81
134,650 at 2.13%$506.49
134,650 at 2.14%$507.17
134,650 at 2.15%$507.85
134,650 at 2.16%$508.54
134,650 at 2.17%$509.22
134,650 at 2.18%$509.90
134,650 at 2.19%$510.58
134,650 at 2.2%$511.27
134,650 at 2.21%$511.95
134,650 at 2.22%$512.64
134,650 at 2.23%$513.32
134,650 at 2.24%$514.01
134,650 at 2.25%$514.69
134,650 at 2.26%$515.38
134,650 at 2.27%$516.07
134,650 at 2.28%$516.76
134,650 at 2.29%$517.45
134,650 at 2.3%$518.13
134,650 at 2.31%$518.82
134,650 at 2.32%$519.51
134,650 at 2.33%$520.21
134,650 at 2.34%$520.90
134,650 at 2.35%$521.59
134,650 at 2.36%$522.28
134,650 at 2.37%$522.97
134,650 at 2.38%$523.67
134,650 at 2.39%$524.36
134,650 at 2.4%$525.06
134,650 at 2.41%$525.75
134,650 at 2.42%$526.45
134,650 at 2.43%$527.14
134,650 at 2.44%$527.84
134,650 at 2.45%$528.54
134,650 at 2.46%$529.23
134,650 at 2.47%$529.93
134,650 at 2.48%$530.63
134,650 at 2.49%$531.33
134,650 at 2.5%$532.03
134,650 at 2.51%$532.73
134,650 at 2.52%$533.43
134,650 at 2.53%$534.13
134,650 at 2.54%$534.83
134,650 at 2.55%$535.54
134,650 at 2.56%$536.24
134,650 at 2.57%$536.94
134,650 at 2.58%$537.65
134,650 at 2.59%$538.35
134,650 at 2.6%$539.06
134,650 at 2.61%$539.76
134,650 at 2.62%$540.47
134,650 at 2.63%$541.18
134,650 at 2.64%$541.88
134,650 at 2.65%$542.59
134,650 at 2.66%$543.30
134,650 at 2.67%$544.01
134,650 at 2.68%$544.72
134,650 at 2.69%$545.43
134,650 at 2.7%$546.14
134,650 at 2.71%$546.85
134,650 at 2.72%$547.56
134,650 at 2.73%$548.27
134,650 at 2.74%$548.98
134,650 at 2.75%$549.70
134,650 at 2.76%$550.41
134,650 at 2.77%$551.12
134,650 at 2.78%$551.84
134,650 at 2.79%$552.55
134,650 at 2.8%$553.27
134,650 at 2.81%$553.99
134,650 at 2.82%$554.70
134,650 at 2.83%$555.42
134,650 at 2.84%$556.14
134,650 at 2.85%$556.86
134,650 at 2.86%$557.57
134,650 at 2.87%$558.29
134,650 at 2.88%$559.01
134,650 at 2.89%$559.73
134,650 at 2.9%$560.45
134,650 at 2.91%$561.17
134,650 at 2.92%$561.90
134,650 at 2.93%$562.62
134,650 at 2.94%$563.34
134,650 at 2.95%$564.07
134,650 at 2.96%$564.79
134,650 at 2.97%$565.51
134,650 at 2.98%$566.24
134,650 at 2.99%$566.96
134,650 at 3%$567.69
134,650 at 3.01%$568.42
134,650 at 3.02%$569.14
134,650 at 3.03%$569.87
134,650 at 3.04%$570.60
134,650 at 3.05%$571.33
134,650 at 3.06%$572.06
134,650 at 3.07%$572.79
134,650 at 3.08%$573.52
134,650 at 3.09%$574.25
134,650 at 3.1%$574.98
134,650 at 3.11%$575.71
134,650 at 3.12%$576.44
134,650 at 3.13%$577.17
134,650 at 3.14%$577.91
134,650 at 3.15%$578.64
134,650 at 3.16%$579.37
134,650 at 3.17%$580.11
134,650 at 3.18%$580.84
134,650 at 3.19%$581.58
134,650 at 3.2%$582.32
134,650 at 3.21%$583.05
134,650 at 3.22%$583.79
134,650 at 3.23%$584.53
134,650 at 3.24%$585.27
134,650 at 3.25%$586.01
134,650 at 3.26%$586.74
134,650 at 3.27%$587.48
134,650 at 3.28%$588.22
134,650 at 3.29%$588.97
134,650 at 3.3%$589.71
134,650 at 3.31%$590.45
134,650 at 3.32%$591.19
134,650 at 3.33%$591.93
134,650 at 3.34%$592.68
134,650 at 3.35%$593.42
134,650 at 3.36%$594.17
134,650 at 3.37%$594.91
134,650 at 3.38%$595.66
134,650 at 3.39%$596.40
134,650 at 3.4%$597.15
134,650 at 3.41%$597.89
134,650 at 3.42%$598.64
134,650 at 3.43%$599.39
134,650 at 3.44%$600.14
134,650 at 3.45%$600.89
134,650 at 3.46%$601.64
134,650 at 3.47%$602.39
134,650 at 3.48%$603.14
134,650 at 3.49%$603.89
134,650 at 3.5%$604.64
Interest Rate 30 Year
134,650 at 3.51%$605.39
134,650 at 3.52%$606.14
134,650 at 3.53%$606.90
134,650 at 3.54%$607.65
134,650 at 3.55%$608.40
134,650 at 3.56%$609.16
134,650 at 3.57%$609.91
134,650 at 3.58%$610.67
134,650 at 3.59%$611.42
134,650 at 3.6%$612.18
134,650 at 3.61%$612.94
134,650 at 3.62%$613.69
134,650 at 3.63%$614.45
134,650 at 3.64%$615.21
134,650 at 3.65%$615.97
134,650 at 3.66%$616.73
134,650 at 3.67%$617.49
134,650 at 3.68%$618.25
134,650 at 3.69%$619.01
134,650 at 3.7%$619.77
134,650 at 3.71%$620.53
134,650 at 3.72%$621.30
134,650 at 3.73%$622.06
134,650 at 3.74%$622.82
134,650 at 3.75%$623.59
134,650 at 3.76%$624.35
134,650 at 3.77%$625.11
134,650 at 3.78%$625.88
134,650 at 3.79%$626.65
134,650 at 3.8%$627.41
134,650 at 3.81%$628.18
134,650 at 3.82%$628.95
134,650 at 3.83%$629.71
134,650 at 3.84%$630.48
134,650 at 3.85%$631.25
134,650 at 3.86%$632.02
134,650 at 3.87%$632.79
134,650 at 3.88%$633.56
134,650 at 3.89%$634.33
134,650 at 3.9%$635.10
134,650 at 3.91%$635.87
134,650 at 3.92%$636.65
134,650 at 3.93%$637.42
134,650 at 3.94%$638.19
134,650 at 3.95%$638.96
134,650 at 3.96%$639.74
134,650 at 3.97%$640.51
134,650 at 3.98%$641.29
134,650 at 3.99%$642.06
134,650 at 4%$642.84
134,650 at 4.01%$643.62
134,650 at 4.02%$644.39
134,650 at 4.03%$645.17
134,650 at 4.04%$645.95
134,650 at 4.05%$646.73
134,650 at 4.06%$647.51
134,650 at 4.07%$648.29
134,650 at 4.08%$649.07
134,650 at 4.09%$649.85
134,650 at 4.1%$650.63
134,650 at 4.11%$651.41
134,650 at 4.12%$652.19
134,650 at 4.13%$652.97
134,650 at 4.14%$653.75
134,650 at 4.15%$654.54
134,650 at 4.16%$655.32
134,650 at 4.17%$656.11
134,650 at 4.18%$656.89
134,650 at 4.19%$657.68
134,650 at 4.2%$658.46
134,650 at 4.21%$659.25
134,650 at 4.22%$660.03
134,650 at 4.23%$660.82
134,650 at 4.24%$661.61
134,650 at 4.25%$662.40
134,650 at 4.26%$663.19
134,650 at 4.27%$663.97
134,650 at 4.28%$664.76
134,650 at 4.29%$665.55
134,650 at 4.3%$666.34
134,650 at 4.31%$667.14
134,650 at 4.32%$667.93
134,650 at 4.33%$668.72
134,650 at 4.34%$669.51
134,650 at 4.35%$670.30
134,650 at 4.36%$671.10
134,650 at 4.37%$671.89
134,650 at 4.38%$672.68
134,650 at 4.39%$673.48
134,650 at 4.4%$674.27
134,650 at 4.41%$675.07
134,650 at 4.42%$675.87
134,650 at 4.43%$676.66
134,650 at 4.44%$677.46
134,650 at 4.45%$678.26
134,650 at 4.46%$679.06
134,650 at 4.47%$679.85
134,650 at 4.48%$680.65
134,650 at 4.49%$681.45
134,650 at 4.5%$682.25
134,650 at 4.51%$683.05
134,650 at 4.52%$683.85
134,650 at 4.53%$684.65
134,650 at 4.54%$685.46
134,650 at 4.55%$686.26
134,650 at 4.56%$687.06
134,650 at 4.57%$687.86
134,650 at 4.58%$688.67
134,650 at 4.59%$689.47
134,650 at 4.6%$690.28
134,650 at 4.61%$691.08
134,650 at 4.62%$691.89
134,650 at 4.63%$692.69
134,650 at 4.64%$693.50
134,650 at 4.65%$694.30
134,650 at 4.66%$695.11
134,650 at 4.67%$695.92
134,650 at 4.68%$696.73
134,650 at 4.69%$697.54
134,650 at 4.7%$698.35
134,650 at 4.71%$699.16
134,650 at 4.72%$699.97
134,650 at 4.73%$700.78
134,650 at 4.74%$701.59
134,650 at 4.75%$702.40
134,650 at 4.76%$703.21
134,650 at 4.77%$704.02
134,650 at 4.78%$704.84
134,650 at 4.79%$705.65
134,650 at 4.8%$706.46
134,650 at 4.81%$707.28
134,650 at 4.82%$708.09
134,650 at 4.83%$708.91
134,650 at 4.84%$709.72
134,650 at 4.85%$710.54
134,650 at 4.86%$711.35
134,650 at 4.87%$712.17
134,650 at 4.88%$712.99
134,650 at 4.89%$713.81
134,650 at 4.9%$714.62
134,650 at 4.91%$715.44
134,650 at 4.92%$716.26
134,650 at 4.93%$717.08
134,650 at 4.94%$717.90
134,650 at 4.95%$718.72
134,650 at 4.96%$719.54
134,650 at 4.97%$720.36
134,650 at 4.98%$721.19
134,650 at 4.99%$722.01
134,650 at 5%$722.83
Interest Rate 30 Year
134,650 at 5.01%$723.65
134,650 at 5.02%$724.48
134,650 at 5.03%$725.30
134,650 at 5.04%$726.13
134,650 at 5.05%$726.95
134,650 at 5.06%$727.78
134,650 at 5.07%$728.60
134,650 at 5.08%$729.43
134,650 at 5.09%$730.25
134,650 at 5.1%$731.08
134,650 at 5.11%$731.91
134,650 at 5.12%$732.74
134,650 at 5.13%$733.57
134,650 at 5.14%$734.39
134,650 at 5.15%$735.22
134,650 at 5.16%$736.05
134,650 at 5.17%$736.88
134,650 at 5.18%$737.72
134,650 at 5.19%$738.55
134,650 at 5.2%$739.38
134,650 at 5.21%$740.21
134,650 at 5.22%$741.04
134,650 at 5.23%$741.88
134,650 at 5.24%$742.71
134,650 at 5.25%$743.54
134,650 at 5.26%$744.38
134,650 at 5.27%$745.21
134,650 at 5.28%$746.05
134,650 at 5.29%$746.88
134,650 at 5.3%$747.72
134,650 at 5.31%$748.55
134,650 at 5.32%$749.39
134,650 at 5.33%$750.23
134,650 at 5.34%$751.07
134,650 at 5.35%$751.90
134,650 at 5.36%$752.74
134,650 at 5.37%$753.58
134,650 at 5.38%$754.42
134,650 at 5.39%$755.26
134,650 at 5.4%$756.10
134,650 at 5.41%$756.94
134,650 at 5.42%$757.78
134,650 at 5.43%$758.62
134,650 at 5.44%$759.47
134,650 at 5.45%$760.31
134,650 at 5.46%$761.15
134,650 at 5.47%$762.00
134,650 at 5.48%$762.84
134,650 at 5.49%$763.68
134,650 at 5.5%$764.53
134,650 at 5.51%$765.37
134,650 at 5.52%$766.22
134,650 at 5.53%$767.06
134,650 at 5.54%$767.91
134,650 at 5.55%$768.76
134,650 at 5.56%$769.60
134,650 at 5.57%$770.45
134,650 at 5.58%$771.30
134,650 at 5.59%$772.15
134,650 at 5.6%$773.00
134,650 at 5.61%$773.85
134,650 at 5.62%$774.70
134,650 at 5.63%$775.55
134,650 at 5.64%$776.40
134,650 at 5.65%$777.25
134,650 at 5.66%$778.10
134,650 at 5.67%$778.95
134,650 at 5.68%$779.80
134,650 at 5.69%$780.66
134,650 at 5.7%$781.51
134,650 at 5.71%$782.36
134,650 at 5.72%$783.22
134,650 at 5.73%$784.07
134,650 at 5.74%$784.93
134,650 at 5.75%$785.78
134,650 at 5.76%$786.64
134,650 at 5.77%$787.49
134,650 at 5.78%$788.35
134,650 at 5.79%$789.21
134,650 at 5.8%$790.06
134,650 at 5.81%$790.92
134,650 at 5.82%$791.78
134,650 at 5.83%$792.64
134,650 at 5.84%$793.50
134,650 at 5.85%$794.36
134,650 at 5.86%$795.22
134,650 at 5.87%$796.08
134,650 at 5.88%$796.94
134,650 at 5.89%$797.80
134,650 at 5.9%$798.66
134,650 at 5.91%$799.52
134,650 at 5.92%$800.38
134,650 at 5.93%$801.24
134,650 at 5.94%$802.11
134,650 at 5.95%$802.97
134,650 at 5.96%$803.84
134,650 at 5.97%$804.70
134,650 at 5.98%$805.56
134,650 at 5.99%$806.43
134,650 at 6%$807.29
134,650 at 6.01%$808.16
134,650 at 6.02%$809.03
134,650 at 6.03%$809.89
134,650 at 6.04%$810.76
134,650 at 6.05%$811.63
134,650 at 6.06%$812.50
134,650 at 6.07%$813.36
134,650 at 6.08%$814.23
134,650 at 6.09%$815.10
134,650 at 6.1%$815.97
134,650 at 6.11%$816.84
134,650 at 6.12%$817.71
134,650 at 6.13%$818.58
134,650 at 6.14%$819.45
134,650 at 6.15%$820.33
134,650 at 6.16%$821.20
134,650 at 6.17%$822.07
134,650 at 6.18%$822.94
134,650 at 6.19%$823.82
134,650 at 6.2%$824.69
134,650 at 6.21%$825.56
134,650 at 6.22%$826.44
134,650 at 6.23%$827.31
134,650 at 6.24%$828.19
134,650 at 6.25%$829.06
134,650 at 6.26%$829.94
134,650 at 6.27%$830.82
134,650 at 6.28%$831.69
134,650 at 6.29%$832.57
134,650 at 6.3%$833.45
134,650 at 6.31%$834.32
134,650 at 6.32%$835.20
134,650 at 6.33%$836.08
134,650 at 6.34%$836.96
134,650 at 6.35%$837.84
134,650 at 6.36%$838.72
134,650 at 6.37%$839.60
134,650 at 6.38%$840.48
134,650 at 6.39%$841.36
134,650 at 6.4%$842.24
134,650 at 6.41%$843.13
134,650 at 6.42%$844.01
134,650 at 6.43%$844.89
134,650 at 6.44%$845.77
134,650 at 6.45%$846.66
134,650 at 6.46%$847.54
134,650 at 6.47%$848.42
134,650 at 6.48%$849.31
134,650 at 6.49%$850.19
134,650 at 6.5%$851.08
Interest Rate 30 Year
134,650 at 6.51%$851.97
134,650 at 6.52%$852.85
134,650 at 6.53%$853.74
134,650 at 6.54%$854.62
134,650 at 6.55%$855.51
134,650 at 6.56%$856.40
134,650 at 6.57%$857.29
134,650 at 6.58%$858.18
134,650 at 6.59%$859.06
134,650 at 6.6%$859.95
134,650 at 6.61%$860.84
134,650 at 6.62%$861.73
134,650 at 6.63%$862.62
134,650 at 6.64%$863.51
134,650 at 6.65%$864.41
134,650 at 6.66%$865.30
134,650 at 6.67%$866.19
134,650 at 6.68%$867.08
134,650 at 6.69%$867.97
134,650 at 6.7%$868.87
134,650 at 6.71%$869.76
134,650 at 6.72%$870.65
134,650 at 6.73%$871.55
134,650 at 6.74%$872.44
134,650 at 6.75%$873.34
134,650 at 6.76%$874.23
134,650 at 6.77%$875.13
134,650 at 6.78%$876.02
134,650 at 6.79%$876.92
134,650 at 6.8%$877.82
134,650 at 6.81%$878.71
134,650 at 6.82%$879.61
134,650 at 6.83%$880.51
134,650 at 6.84%$881.41
134,650 at 6.85%$882.31
134,650 at 6.86%$883.21
134,650 at 6.87%$884.10
134,650 at 6.88%$885.00
134,650 at 6.89%$885.90
134,650 at 6.9%$886.81
134,650 at 6.91%$887.71
134,650 at 6.92%$888.61
134,650 at 6.93%$889.51
134,650 at 6.94%$890.41
134,650 at 6.95%$891.31
134,650 at 6.96%$892.22
134,650 at 6.97%$893.12
134,650 at 6.98%$894.02
134,650 at 6.99%$894.93
134,650 at 7%$895.83
134,650 at 7.01%$896.73
134,650 at 7.02%$897.64
134,650 at 7.03%$898.54
134,650 at 7.04%$899.45
134,650 at 7.05%$900.36
134,650 at 7.06%$901.26
134,650 at 7.07%$902.17
134,650 at 7.08%$903.08
134,650 at 7.09%$903.98
134,650 at 7.1%$904.89
134,650 at 7.11%$905.80
134,650 at 7.12%$906.71
134,650 at 7.13%$907.62
134,650 at 7.14%$908.53
134,650 at 7.15%$909.44
134,650 at 7.16%$910.35
134,650 at 7.17%$911.26
134,650 at 7.18%$912.17
134,650 at 7.19%$913.08
134,650 at 7.2%$913.99
134,650 at 7.21%$914.90
134,650 at 7.22%$915.81
134,650 at 7.23%$916.72
134,650 at 7.24%$917.64
134,650 at 7.25%$918.55
134,650 at 7.26%$919.46
134,650 at 7.27%$920.38
134,650 at 7.28%$921.29
134,650 at 7.29%$922.21
134,650 at 7.3%$923.12
134,650 at 7.31%$924.04
134,650 at 7.32%$924.95
134,650 at 7.33%$925.87
134,650 at 7.34%$926.78
134,650 at 7.35%$927.70
134,650 at 7.36%$928.62
134,650 at 7.37%$929.54
134,650 at 7.38%$930.45
134,650 at 7.39%$931.37
134,650 at 7.4%$932.29
134,650 at 7.41%$933.21
134,650 at 7.42%$934.13
134,650 at 7.43%$935.05
134,650 at 7.44%$935.97
134,650 at 7.45%$936.89
134,650 at 7.46%$937.81
134,650 at 7.47%$938.73
134,650 at 7.48%$939.65
134,650 at 7.49%$940.57
134,650 at 7.5%$941.49
134,650 at 7.51%$942.41
134,650 at 7.52%$943.34
134,650 at 7.53%$944.26
134,650 at 7.54%$945.18
134,650 at 7.55%$946.11
134,650 at 7.56%$947.03
134,650 at 7.57%$947.95
134,650 at 7.58%$948.88
134,650 at 7.59%$949.80
134,650 at 7.6%$950.73
134,650 at 7.61%$951.66
134,650 at 7.62%$952.58
134,650 at 7.63%$953.51
134,650 at 7.64%$954.43
134,650 at 7.65%$955.36
134,650 at 7.66%$956.29
134,650 at 7.67%$957.22
134,650 at 7.68%$958.14
134,650 at 7.69%$959.07
134,650 at 7.7%$960.00
134,650 at 7.71%$960.93
134,650 at 7.72%$961.86
134,650 at 7.73%$962.79
134,650 at 7.74%$963.72
134,650 at 7.75%$964.65
134,650 at 7.76%$965.58
134,650 at 7.77%$966.51
134,650 at 7.78%$967.44
134,650 at 7.79%$968.37
134,650 at 7.8%$969.31
134,650 at 7.81%$970.24
134,650 at 7.82%$971.17
134,650 at 7.83%$972.10
134,650 at 7.84%$973.04
134,650 at 7.85%$973.97
134,650 at 7.86%$974.90
134,650 at 7.87%$975.84
134,650 at 7.88%$976.77
134,650 at 7.89%$977.71
134,650 at 7.9%$978.64
134,650 at 7.91%$979.58
134,650 at 7.92%$980.51
134,650 at 7.93%$981.45
134,650 at 7.94%$982.39
134,650 at 7.95%$983.32
134,650 at 7.96%$984.26
134,650 at 7.97%$985.20
134,650 at 7.98%$986.14
134,650 at 7.99%$987.08
134,650 at 8%$988.01
More Amounts
What is the down payment for a $134,650 house? How much do you need to put down?
Percent Down Down Payment
1%1,347
2%2,693
3%4,040
4%5,386
5%6,733
6%8,079
7%9,426
8%10,772
9%12,119
10%13,465
11%14,812
12%16,158
13%17,505
14%18,851
15%20,198
16%21,544
17%22,891
18%24,237
19%25,584
20%26,930
Percent Down Down Payment
21%28,277
22%29,623
23%30,970
24%32,316
25%33,663
26%35,009
27%36,356
28%37,702
29%39,049
30%40,395
31%41,742
32%43,088
33%44,435
34%45,781
35%47,128
36%48,474
37%49,821
38%51,167
39%52,514
40%53,860
Percent Down Down Payment
41%55,207
42%56,553
43%57,900
44%59,246
45%60,593
46%61,939
47%63,286
48%64,632
49%65,979
50%67,325
51%68,672
52%70,018
53%71,365
54%72,711
55%74,058
56%75,404
57%76,751
58%78,097
59%79,444
60%80,790
Percent Down Down Payment
61%82,137
62%83,483
63%84,830
64%86,176
65%87,523
66%88,869
67%90,216
68%91,562
69%92,909
70%94,255
71%95,602
72%96,948
73%98,295
74%99,641
75%100,988
76%102,334
77%103,681
78%105,027
79%106,374
80%107,720
Percent Down Down Payment
81%109,067
82%110,413
83%111,760
84%113,106
85%114,453
86%115,799
87%117,146
88%118,492
89%119,839
90%121,185
91%122,532
92%123,878
93%125,225
94%126,571
95%127,918
96%129,264
97%130,611
98%131,957
99%133,304
100%134,650
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.