$135,450 Mortgage for 30 Years

What is the monthly payment of a 135,450 dollar loan?
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Loan Tables for a $135,450 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 $135,450 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
135,450 at 2.01%$501.33
135,450 at 2.02%$502.01
135,450 at 2.03%$502.68
135,450 at 2.04%$503.36
135,450 at 2.05%$504.04
135,450 at 2.06%$504.72
135,450 at 2.07%$505.40
135,450 at 2.08%$506.09
135,450 at 2.09%$506.77
135,450 at 2.1%$507.45
135,450 at 2.11%$508.13
135,450 at 2.12%$508.82
135,450 at 2.13%$509.50
135,450 at 2.14%$510.19
135,450 at 2.15%$510.87
135,450 at 2.16%$511.56
135,450 at 2.17%$512.24
135,450 at 2.18%$512.93
135,450 at 2.19%$513.62
135,450 at 2.2%$514.30
135,450 at 2.21%$514.99
135,450 at 2.22%$515.68
135,450 at 2.23%$516.37
135,450 at 2.24%$517.06
135,450 at 2.25%$517.75
135,450 at 2.26%$518.44
135,450 at 2.27%$519.14
135,450 at 2.28%$519.83
135,450 at 2.29%$520.52
135,450 at 2.3%$521.21
135,450 at 2.31%$521.91
135,450 at 2.32%$522.60
135,450 at 2.33%$523.30
135,450 at 2.34%$523.99
135,450 at 2.35%$524.69
135,450 at 2.36%$525.38
135,450 at 2.37%$526.08
135,450 at 2.38%$526.78
135,450 at 2.39%$527.48
135,450 at 2.4%$528.18
135,450 at 2.41%$528.87
135,450 at 2.42%$529.57
135,450 at 2.43%$530.27
135,450 at 2.44%$530.98
135,450 at 2.45%$531.68
135,450 at 2.46%$532.38
135,450 at 2.47%$533.08
135,450 at 2.48%$533.78
135,450 at 2.49%$534.49
135,450 at 2.5%$535.19
135,450 at 2.51%$535.90
135,450 at 2.52%$536.60
135,450 at 2.53%$537.31
135,450 at 2.54%$538.01
135,450 at 2.55%$538.72
135,450 at 2.56%$539.43
135,450 at 2.57%$540.13
135,450 at 2.58%$540.84
135,450 at 2.59%$541.55
135,450 at 2.6%$542.26
135,450 at 2.61%$542.97
135,450 at 2.62%$543.68
135,450 at 2.63%$544.39
135,450 at 2.64%$545.10
135,450 at 2.65%$545.81
135,450 at 2.66%$546.53
135,450 at 2.67%$547.24
135,450 at 2.68%$547.95
135,450 at 2.69%$548.67
135,450 at 2.7%$549.38
135,450 at 2.71%$550.10
135,450 at 2.72%$550.81
135,450 at 2.73%$551.53
135,450 at 2.74%$552.25
135,450 at 2.75%$552.96
135,450 at 2.76%$553.68
135,450 at 2.77%$554.40
135,450 at 2.78%$555.12
135,450 at 2.79%$555.84
135,450 at 2.8%$556.56
135,450 at 2.81%$557.28
135,450 at 2.82%$558.00
135,450 at 2.83%$558.72
135,450 at 2.84%$559.44
135,450 at 2.85%$560.16
135,450 at 2.86%$560.89
135,450 at 2.87%$561.61
135,450 at 2.88%$562.33
135,450 at 2.89%$563.06
135,450 at 2.9%$563.78
135,450 at 2.91%$564.51
135,450 at 2.92%$565.24
135,450 at 2.93%$565.96
135,450 at 2.94%$566.69
135,450 at 2.95%$567.42
135,450 at 2.96%$568.14
135,450 at 2.97%$568.87
135,450 at 2.98%$569.60
135,450 at 2.99%$570.33
135,450 at 3%$571.06
135,450 at 3.01%$571.79
135,450 at 3.02%$572.52
135,450 at 3.03%$573.26
135,450 at 3.04%$573.99
135,450 at 3.05%$574.72
135,450 at 3.06%$575.46
135,450 at 3.07%$576.19
135,450 at 3.08%$576.92
135,450 at 3.09%$577.66
135,450 at 3.1%$578.39
135,450 at 3.11%$579.13
135,450 at 3.12%$579.87
135,450 at 3.13%$580.60
135,450 at 3.14%$581.34
135,450 at 3.15%$582.08
135,450 at 3.16%$582.82
135,450 at 3.17%$583.56
135,450 at 3.18%$584.30
135,450 at 3.19%$585.04
135,450 at 3.2%$585.78
135,450 at 3.21%$586.52
135,450 at 3.22%$587.26
135,450 at 3.23%$588.00
135,450 at 3.24%$588.74
135,450 at 3.25%$589.49
135,450 at 3.26%$590.23
135,450 at 3.27%$590.97
135,450 at 3.28%$591.72
135,450 at 3.29%$592.46
135,450 at 3.3%$593.21
135,450 at 3.31%$593.96
135,450 at 3.32%$594.70
135,450 at 3.33%$595.45
135,450 at 3.34%$596.20
135,450 at 3.35%$596.95
135,450 at 3.36%$597.70
135,450 at 3.37%$598.44
135,450 at 3.38%$599.19
135,450 at 3.39%$599.94
135,450 at 3.4%$600.70
135,450 at 3.41%$601.45
135,450 at 3.42%$602.20
135,450 at 3.43%$602.95
135,450 at 3.44%$603.70
135,450 at 3.45%$604.46
135,450 at 3.46%$605.21
135,450 at 3.47%$605.97
135,450 at 3.48%$606.72
135,450 at 3.49%$607.48
135,450 at 3.5%$608.23
Interest Rate 30 Year
135,450 at 3.51%$608.99
135,450 at 3.52%$609.74
135,450 at 3.53%$610.50
135,450 at 3.54%$611.26
135,450 at 3.55%$612.02
135,450 at 3.56%$612.78
135,450 at 3.57%$613.54
135,450 at 3.58%$614.30
135,450 at 3.59%$615.06
135,450 at 3.6%$615.82
135,450 at 3.61%$616.58
135,450 at 3.62%$617.34
135,450 at 3.63%$618.10
135,450 at 3.64%$618.87
135,450 at 3.65%$619.63
135,450 at 3.66%$620.39
135,450 at 3.67%$621.16
135,450 at 3.68%$621.92
135,450 at 3.69%$622.69
135,450 at 3.7%$623.45
135,450 at 3.71%$624.22
135,450 at 3.72%$624.99
135,450 at 3.73%$625.75
135,450 at 3.74%$626.52
135,450 at 3.75%$627.29
135,450 at 3.76%$628.06
135,450 at 3.77%$628.83
135,450 at 3.78%$629.60
135,450 at 3.79%$630.37
135,450 at 3.8%$631.14
135,450 at 3.81%$631.91
135,450 at 3.82%$632.68
135,450 at 3.83%$633.45
135,450 at 3.84%$634.23
135,450 at 3.85%$635.00
135,450 at 3.86%$635.77
135,450 at 3.87%$636.55
135,450 at 3.88%$637.32
135,450 at 3.89%$638.10
135,450 at 3.9%$638.87
135,450 at 3.91%$639.65
135,450 at 3.92%$640.43
135,450 at 3.93%$641.20
135,450 at 3.94%$641.98
135,450 at 3.95%$642.76
135,450 at 3.96%$643.54
135,450 at 3.97%$644.32
135,450 at 3.98%$645.10
135,450 at 3.99%$645.88
135,450 at 4%$646.66
135,450 at 4.01%$647.44
135,450 at 4.02%$648.22
135,450 at 4.03%$649.00
135,450 at 4.04%$649.79
135,450 at 4.05%$650.57
135,450 at 4.06%$651.35
135,450 at 4.07%$652.14
135,450 at 4.08%$652.92
135,450 at 4.09%$653.71
135,450 at 4.1%$654.49
135,450 at 4.11%$655.28
135,450 at 4.12%$656.06
135,450 at 4.13%$656.85
135,450 at 4.14%$657.64
135,450 at 4.15%$658.43
135,450 at 4.16%$659.22
135,450 at 4.17%$660.00
135,450 at 4.18%$660.79
135,450 at 4.19%$661.58
135,450 at 4.2%$662.37
135,450 at 4.21%$663.16
135,450 at 4.22%$663.96
135,450 at 4.23%$664.75
135,450 at 4.24%$665.54
135,450 at 4.25%$666.33
135,450 at 4.26%$667.13
135,450 at 4.27%$667.92
135,450 at 4.28%$668.71
135,450 at 4.29%$669.51
135,450 at 4.3%$670.30
135,450 at 4.31%$671.10
135,450 at 4.32%$671.90
135,450 at 4.33%$672.69
135,450 at 4.34%$673.49
135,450 at 4.35%$674.29
135,450 at 4.36%$675.08
135,450 at 4.37%$675.88
135,450 at 4.38%$676.68
135,450 at 4.39%$677.48
135,450 at 4.4%$678.28
135,450 at 4.41%$679.08
135,450 at 4.42%$679.88
135,450 at 4.43%$680.68
135,450 at 4.44%$681.48
135,450 at 4.45%$682.29
135,450 at 4.46%$683.09
135,450 at 4.47%$683.89
135,450 at 4.48%$684.70
135,450 at 4.49%$685.50
135,450 at 4.5%$686.31
135,450 at 4.51%$687.11
135,450 at 4.52%$687.92
135,450 at 4.53%$688.72
135,450 at 4.54%$689.53
135,450 at 4.55%$690.34
135,450 at 4.56%$691.14
135,450 at 4.57%$691.95
135,450 at 4.58%$692.76
135,450 at 4.59%$693.57
135,450 at 4.6%$694.38
135,450 at 4.61%$695.19
135,450 at 4.62%$696.00
135,450 at 4.63%$696.81
135,450 at 4.64%$697.62
135,450 at 4.65%$698.43
135,450 at 4.66%$699.24
135,450 at 4.67%$700.05
135,450 at 4.68%$700.87
135,450 at 4.69%$701.68
135,450 at 4.7%$702.49
135,450 at 4.71%$703.31
135,450 at 4.72%$704.12
135,450 at 4.73%$704.94
135,450 at 4.74%$705.76
135,450 at 4.75%$706.57
135,450 at 4.76%$707.39
135,450 at 4.77%$708.21
135,450 at 4.78%$709.02
135,450 at 4.79%$709.84
135,450 at 4.8%$710.66
135,450 at 4.81%$711.48
135,450 at 4.82%$712.30
135,450 at 4.83%$713.12
135,450 at 4.84%$713.94
135,450 at 4.85%$714.76
135,450 at 4.86%$715.58
135,450 at 4.87%$716.40
135,450 at 4.88%$717.22
135,450 at 4.89%$718.05
135,450 at 4.9%$718.87
135,450 at 4.91%$719.69
135,450 at 4.92%$720.52
135,450 at 4.93%$721.34
135,450 at 4.94%$722.17
135,450 at 4.95%$722.99
135,450 at 4.96%$723.82
135,450 at 4.97%$724.64
135,450 at 4.98%$725.47
135,450 at 4.99%$726.30
135,450 at 5%$727.12
Interest Rate 30 Year
135,450 at 5.01%$727.95
135,450 at 5.02%$728.78
135,450 at 5.03%$729.61
135,450 at 5.04%$730.44
135,450 at 5.05%$731.27
135,450 at 5.06%$732.10
135,450 at 5.07%$732.93
135,450 at 5.08%$733.76
135,450 at 5.09%$734.59
135,450 at 5.1%$735.43
135,450 at 5.11%$736.26
135,450 at 5.12%$737.09
135,450 at 5.13%$737.92
135,450 at 5.14%$738.76
135,450 at 5.15%$739.59
135,450 at 5.16%$740.43
135,450 at 5.17%$741.26
135,450 at 5.18%$742.10
135,450 at 5.19%$742.93
135,450 at 5.2%$743.77
135,450 at 5.21%$744.61
135,450 at 5.22%$745.45
135,450 at 5.23%$746.28
135,450 at 5.24%$747.12
135,450 at 5.25%$747.96
135,450 at 5.26%$748.80
135,450 at 5.27%$749.64
135,450 at 5.28%$750.48
135,450 at 5.29%$751.32
135,450 at 5.3%$752.16
135,450 at 5.31%$753.00
135,450 at 5.32%$753.84
135,450 at 5.33%$754.69
135,450 at 5.34%$755.53
135,450 at 5.35%$756.37
135,450 at 5.36%$757.21
135,450 at 5.37%$758.06
135,450 at 5.38%$758.90
135,450 at 5.39%$759.75
135,450 at 5.4%$760.59
135,450 at 5.41%$761.44
135,450 at 5.42%$762.29
135,450 at 5.43%$763.13
135,450 at 5.44%$763.98
135,450 at 5.45%$764.83
135,450 at 5.46%$765.67
135,450 at 5.47%$766.52
135,450 at 5.48%$767.37
135,450 at 5.49%$768.22
135,450 at 5.5%$769.07
135,450 at 5.51%$769.92
135,450 at 5.52%$770.77
135,450 at 5.53%$771.62
135,450 at 5.54%$772.47
135,450 at 5.55%$773.32
135,450 at 5.56%$774.18
135,450 at 5.57%$775.03
135,450 at 5.58%$775.88
135,450 at 5.59%$776.74
135,450 at 5.6%$777.59
135,450 at 5.61%$778.44
135,450 at 5.62%$779.30
135,450 at 5.63%$780.15
135,450 at 5.64%$781.01
135,450 at 5.65%$781.87
135,450 at 5.66%$782.72
135,450 at 5.67%$783.58
135,450 at 5.68%$784.44
135,450 at 5.69%$785.29
135,450 at 5.7%$786.15
135,450 at 5.71%$787.01
135,450 at 5.72%$787.87
135,450 at 5.73%$788.73
135,450 at 5.74%$789.59
135,450 at 5.75%$790.45
135,450 at 5.76%$791.31
135,450 at 5.77%$792.17
135,450 at 5.78%$793.03
135,450 at 5.79%$793.89
135,450 at 5.8%$794.76
135,450 at 5.81%$795.62
135,450 at 5.82%$796.48
135,450 at 5.83%$797.35
135,450 at 5.84%$798.21
135,450 at 5.85%$799.07
135,450 at 5.86%$799.94
135,450 at 5.87%$800.81
135,450 at 5.88%$801.67
135,450 at 5.89%$802.54
135,450 at 5.9%$803.40
135,450 at 5.91%$804.27
135,450 at 5.92%$805.14
135,450 at 5.93%$806.01
135,450 at 5.94%$806.87
135,450 at 5.95%$807.74
135,450 at 5.96%$808.61
135,450 at 5.97%$809.48
135,450 at 5.98%$810.35
135,450 at 5.99%$811.22
135,450 at 6%$812.09
135,450 at 6.01%$812.96
135,450 at 6.02%$813.83
135,450 at 6.03%$814.71
135,450 at 6.04%$815.58
135,450 at 6.05%$816.45
135,450 at 6.06%$817.32
135,450 at 6.07%$818.20
135,450 at 6.08%$819.07
135,450 at 6.09%$819.95
135,450 at 6.1%$820.82
135,450 at 6.11%$821.70
135,450 at 6.12%$822.57
135,450 at 6.13%$823.45
135,450 at 6.14%$824.32
135,450 at 6.15%$825.20
135,450 at 6.16%$826.08
135,450 at 6.17%$826.95
135,450 at 6.18%$827.83
135,450 at 6.19%$828.71
135,450 at 6.2%$829.59
135,450 at 6.21%$830.47
135,450 at 6.22%$831.35
135,450 at 6.23%$832.23
135,450 at 6.24%$833.11
135,450 at 6.25%$833.99
135,450 at 6.26%$834.87
135,450 at 6.27%$835.75
135,450 at 6.28%$836.63
135,450 at 6.29%$837.52
135,450 at 6.3%$838.40
135,450 at 6.31%$839.28
135,450 at 6.32%$840.17
135,450 at 6.33%$841.05
135,450 at 6.34%$841.93
135,450 at 6.35%$842.82
135,450 at 6.36%$843.70
135,450 at 6.37%$844.59
135,450 at 6.38%$845.47
135,450 at 6.39%$846.36
135,450 at 6.4%$847.25
135,450 at 6.41%$848.13
135,450 at 6.42%$849.02
135,450 at 6.43%$849.91
135,450 at 6.44%$850.80
135,450 at 6.45%$851.69
135,450 at 6.46%$852.58
135,450 at 6.47%$853.47
135,450 at 6.48%$854.36
135,450 at 6.49%$855.25
135,450 at 6.5%$856.14
Interest Rate 30 Year
135,450 at 6.51%$857.03
135,450 at 6.52%$857.92
135,450 at 6.53%$858.81
135,450 at 6.54%$859.70
135,450 at 6.55%$860.59
135,450 at 6.56%$861.49
135,450 at 6.57%$862.38
135,450 at 6.58%$863.27
135,450 at 6.59%$864.17
135,450 at 6.6%$865.06
135,450 at 6.61%$865.96
135,450 at 6.62%$866.85
135,450 at 6.63%$867.75
135,450 at 6.64%$868.65
135,450 at 6.65%$869.54
135,450 at 6.66%$870.44
135,450 at 6.67%$871.34
135,450 at 6.68%$872.23
135,450 at 6.69%$873.13
135,450 at 6.7%$874.03
135,450 at 6.71%$874.93
135,450 at 6.72%$875.83
135,450 at 6.73%$876.73
135,450 at 6.74%$877.63
135,450 at 6.75%$878.53
135,450 at 6.76%$879.43
135,450 at 6.77%$880.33
135,450 at 6.78%$881.23
135,450 at 6.79%$882.13
135,450 at 6.8%$883.03
135,450 at 6.81%$883.94
135,450 at 6.82%$884.84
135,450 at 6.83%$885.74
135,450 at 6.84%$886.64
135,450 at 6.85%$887.55
135,450 at 6.86%$888.45
135,450 at 6.87%$889.36
135,450 at 6.88%$890.26
135,450 at 6.89%$891.17
135,450 at 6.9%$892.07
135,450 at 6.91%$892.98
135,450 at 6.92%$893.89
135,450 at 6.93%$894.79
135,450 at 6.94%$895.70
135,450 at 6.95%$896.61
135,450 at 6.96%$897.52
135,450 at 6.97%$898.42
135,450 at 6.98%$899.33
135,450 at 6.99%$900.24
135,450 at 7%$901.15
135,450 at 7.01%$902.06
135,450 at 7.02%$902.97
135,450 at 7.03%$903.88
135,450 at 7.04%$904.79
135,450 at 7.05%$905.71
135,450 at 7.06%$906.62
135,450 at 7.07%$907.53
135,450 at 7.08%$908.44
135,450 at 7.09%$909.35
135,450 at 7.1%$910.27
135,450 at 7.11%$911.18
135,450 at 7.12%$912.09
135,450 at 7.13%$913.01
135,450 at 7.14%$913.92
135,450 at 7.15%$914.84
135,450 at 7.16%$915.75
135,450 at 7.17%$916.67
135,450 at 7.18%$917.59
135,450 at 7.19%$918.50
135,450 at 7.2%$919.42
135,450 at 7.21%$920.34
135,450 at 7.22%$921.25
135,450 at 7.23%$922.17
135,450 at 7.24%$923.09
135,450 at 7.25%$924.01
135,450 at 7.26%$924.93
135,450 at 7.27%$925.85
135,450 at 7.28%$926.77
135,450 at 7.29%$927.69
135,450 at 7.3%$928.61
135,450 at 7.31%$929.53
135,450 at 7.32%$930.45
135,450 at 7.33%$931.37
135,450 at 7.34%$932.29
135,450 at 7.35%$933.21
135,450 at 7.36%$934.14
135,450 at 7.37%$935.06
135,450 at 7.38%$935.98
135,450 at 7.39%$936.90
135,450 at 7.4%$937.83
135,450 at 7.41%$938.75
135,450 at 7.42%$939.68
135,450 at 7.43%$940.60
135,450 at 7.44%$941.53
135,450 at 7.45%$942.45
135,450 at 7.46%$943.38
135,450 at 7.47%$944.31
135,450 at 7.48%$945.23
135,450 at 7.49%$946.16
135,450 at 7.5%$947.09
135,450 at 7.51%$948.01
135,450 at 7.52%$948.94
135,450 at 7.53%$949.87
135,450 at 7.54%$950.80
135,450 at 7.55%$951.73
135,450 at 7.56%$952.66
135,450 at 7.57%$953.59
135,450 at 7.58%$954.52
135,450 at 7.59%$955.45
135,450 at 7.6%$956.38
135,450 at 7.61%$957.31
135,450 at 7.62%$958.24
135,450 at 7.63%$959.17
135,450 at 7.64%$960.10
135,450 at 7.65%$961.04
135,450 at 7.66%$961.97
135,450 at 7.67%$962.90
135,450 at 7.68%$963.84
135,450 at 7.69%$964.77
135,450 at 7.7%$965.70
135,450 at 7.71%$966.64
135,450 at 7.72%$967.57
135,450 at 7.73%$968.51
135,450 at 7.74%$969.44
135,450 at 7.75%$970.38
135,450 at 7.76%$971.32
135,450 at 7.77%$972.25
135,450 at 7.78%$973.19
135,450 at 7.79%$974.13
135,450 at 7.8%$975.06
135,450 at 7.81%$976.00
135,450 at 7.82%$976.94
135,450 at 7.83%$977.88
135,450 at 7.84%$978.82
135,450 at 7.85%$979.76
135,450 at 7.86%$980.70
135,450 at 7.87%$981.64
135,450 at 7.88%$982.58
135,450 at 7.89%$983.52
135,450 at 7.9%$984.46
135,450 at 7.91%$985.40
135,450 at 7.92%$986.34
135,450 at 7.93%$987.28
135,450 at 7.94%$988.22
135,450 at 7.95%$989.17
135,450 at 7.96%$990.11
135,450 at 7.97%$991.05
135,450 at 7.98%$992.00
135,450 at 7.99%$992.94
135,450 at 8%$993.88
More Amounts
What is the down payment for a $135,450 house? How much do you need to put down?
Percent Down Down Payment
1%1,355
2%2,709
3%4,064
4%5,418
5%6,773
6%8,127
7%9,482
8%10,836
9%12,191
10%13,545
11%14,900
12%16,254
13%17,609
14%18,963
15%20,318
16%21,672
17%23,027
18%24,381
19%25,736
20%27,090
Percent Down Down Payment
21%28,445
22%29,799
23%31,154
24%32,508
25%33,863
26%35,217
27%36,572
28%37,926
29%39,281
30%40,635
31%41,990
32%43,344
33%44,699
34%46,053
35%47,408
36%48,762
37%50,117
38%51,471
39%52,826
40%54,180
Percent Down Down Payment
41%55,535
42%56,889
43%58,244
44%59,598
45%60,953
46%62,307
47%63,662
48%65,016
49%66,371
50%67,725
51%69,080
52%70,434
53%71,789
54%73,143
55%74,498
56%75,852
57%77,207
58%78,561
59%79,916
60%81,270
Percent Down Down Payment
61%82,625
62%83,979
63%85,334
64%86,688
65%88,043
66%89,397
67%90,752
68%92,106
69%93,461
70%94,815
71%96,170
72%97,524
73%98,879
74%100,233
75%101,588
76%102,942
77%104,297
78%105,651
79%107,006
80%108,360
Percent Down Down Payment
81%109,715
82%111,069
83%112,424
84%113,778
85%115,133
86%116,487
87%117,842
88%119,196
89%120,551
90%121,905
91%123,260
92%124,614
93%125,969
94%127,323
95%128,678
96%130,032
97%131,387
98%132,741
99%134,096
100%135,450
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.