$135,550 Mortgage for 30 Years

What is the monthly payment of a 135,550 dollar loan?
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Loan Tables for a $135,550 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 136k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $135,550 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
135,550 at 2.01%$501.70
135,550 at 2.02%$502.38
135,550 at 2.03%$503.06
135,550 at 2.04%$503.73
135,550 at 2.05%$504.42
135,550 at 2.06%$505.10
135,550 at 2.07%$505.78
135,550 at 2.08%$506.46
135,550 at 2.09%$507.14
135,550 at 2.1%$507.82
135,550 at 2.11%$508.51
135,550 at 2.12%$509.19
135,550 at 2.13%$509.88
135,550 at 2.14%$510.56
135,550 at 2.15%$511.25
135,550 at 2.16%$511.93
135,550 at 2.17%$512.62
135,550 at 2.18%$513.31
135,550 at 2.19%$514.00
135,550 at 2.2%$514.68
135,550 at 2.21%$515.37
135,550 at 2.22%$516.06
135,550 at 2.23%$516.75
135,550 at 2.24%$517.44
135,550 at 2.25%$518.13
135,550 at 2.26%$518.83
135,550 at 2.27%$519.52
135,550 at 2.28%$520.21
135,550 at 2.29%$520.90
135,550 at 2.3%$521.60
135,550 at 2.31%$522.29
135,550 at 2.32%$522.99
135,550 at 2.33%$523.68
135,550 at 2.34%$524.38
135,550 at 2.35%$525.08
135,550 at 2.36%$525.77
135,550 at 2.37%$526.47
135,550 at 2.38%$527.17
135,550 at 2.39%$527.87
135,550 at 2.4%$528.57
135,550 at 2.41%$529.27
135,550 at 2.42%$529.97
135,550 at 2.43%$530.67
135,550 at 2.44%$531.37
135,550 at 2.45%$532.07
135,550 at 2.46%$532.77
135,550 at 2.47%$533.47
135,550 at 2.48%$534.18
135,550 at 2.49%$534.88
135,550 at 2.5%$535.59
135,550 at 2.51%$536.29
135,550 at 2.52%$537.00
135,550 at 2.53%$537.70
135,550 at 2.54%$538.41
135,550 at 2.55%$539.12
135,550 at 2.56%$539.82
135,550 at 2.57%$540.53
135,550 at 2.58%$541.24
135,550 at 2.59%$541.95
135,550 at 2.6%$542.66
135,550 at 2.61%$543.37
135,550 at 2.62%$544.08
135,550 at 2.63%$544.79
135,550 at 2.64%$545.50
135,550 at 2.65%$546.22
135,550 at 2.66%$546.93
135,550 at 2.67%$547.64
135,550 at 2.68%$548.36
135,550 at 2.69%$549.07
135,550 at 2.7%$549.79
135,550 at 2.71%$550.50
135,550 at 2.72%$551.22
135,550 at 2.73%$551.94
135,550 at 2.74%$552.65
135,550 at 2.75%$553.37
135,550 at 2.76%$554.09
135,550 at 2.77%$554.81
135,550 at 2.78%$555.53
135,550 at 2.79%$556.25
135,550 at 2.8%$556.97
135,550 at 2.81%$557.69
135,550 at 2.82%$558.41
135,550 at 2.83%$559.13
135,550 at 2.84%$559.85
135,550 at 2.85%$560.58
135,550 at 2.86%$561.30
135,550 at 2.87%$562.02
135,550 at 2.88%$562.75
135,550 at 2.89%$563.47
135,550 at 2.9%$564.20
135,550 at 2.91%$564.93
135,550 at 2.92%$565.65
135,550 at 2.93%$566.38
135,550 at 2.94%$567.11
135,550 at 2.95%$567.84
135,550 at 2.96%$568.56
135,550 at 2.97%$569.29
135,550 at 2.98%$570.02
135,550 at 2.99%$570.75
135,550 at 3%$571.48
135,550 at 3.01%$572.22
135,550 at 3.02%$572.95
135,550 at 3.03%$573.68
135,550 at 3.04%$574.41
135,550 at 3.05%$575.15
135,550 at 3.06%$575.88
135,550 at 3.07%$576.61
135,550 at 3.08%$577.35
135,550 at 3.09%$578.08
135,550 at 3.1%$578.82
135,550 at 3.11%$579.56
135,550 at 3.12%$580.29
135,550 at 3.13%$581.03
135,550 at 3.14%$581.77
135,550 at 3.15%$582.51
135,550 at 3.16%$583.25
135,550 at 3.17%$583.99
135,550 at 3.18%$584.73
135,550 at 3.19%$585.47
135,550 at 3.2%$586.21
135,550 at 3.21%$586.95
135,550 at 3.22%$587.69
135,550 at 3.23%$588.44
135,550 at 3.24%$589.18
135,550 at 3.25%$589.92
135,550 at 3.26%$590.67
135,550 at 3.27%$591.41
135,550 at 3.28%$592.16
135,550 at 3.29%$592.90
135,550 at 3.3%$593.65
135,550 at 3.31%$594.40
135,550 at 3.32%$595.14
135,550 at 3.33%$595.89
135,550 at 3.34%$596.64
135,550 at 3.35%$597.39
135,550 at 3.36%$598.14
135,550 at 3.37%$598.89
135,550 at 3.38%$599.64
135,550 at 3.39%$600.39
135,550 at 3.4%$601.14
135,550 at 3.41%$601.89
135,550 at 3.42%$602.64
135,550 at 3.43%$603.40
135,550 at 3.44%$604.15
135,550 at 3.45%$604.90
135,550 at 3.46%$605.66
135,550 at 3.47%$606.41
135,550 at 3.48%$607.17
135,550 at 3.49%$607.92
135,550 at 3.5%$608.68
Interest Rate 30 Year
135,550 at 3.51%$609.44
135,550 at 3.52%$610.19
135,550 at 3.53%$610.95
135,550 at 3.54%$611.71
135,550 at 3.55%$612.47
135,550 at 3.56%$613.23
135,550 at 3.57%$613.99
135,550 at 3.58%$614.75
135,550 at 3.59%$615.51
135,550 at 3.6%$616.27
135,550 at 3.61%$617.03
135,550 at 3.62%$617.80
135,550 at 3.63%$618.56
135,550 at 3.64%$619.32
135,550 at 3.65%$620.09
135,550 at 3.66%$620.85
135,550 at 3.67%$621.62
135,550 at 3.68%$622.38
135,550 at 3.69%$623.15
135,550 at 3.7%$623.91
135,550 at 3.71%$624.68
135,550 at 3.72%$625.45
135,550 at 3.73%$626.22
135,550 at 3.74%$626.98
135,550 at 3.75%$627.75
135,550 at 3.76%$628.52
135,550 at 3.77%$629.29
135,550 at 3.78%$630.06
135,550 at 3.79%$630.83
135,550 at 3.8%$631.61
135,550 at 3.81%$632.38
135,550 at 3.82%$633.15
135,550 at 3.83%$633.92
135,550 at 3.84%$634.70
135,550 at 3.85%$635.47
135,550 at 3.86%$636.24
135,550 at 3.87%$637.02
135,550 at 3.88%$637.79
135,550 at 3.89%$638.57
135,550 at 3.9%$639.35
135,550 at 3.91%$640.12
135,550 at 3.92%$640.90
135,550 at 3.93%$641.68
135,550 at 3.94%$642.46
135,550 at 3.95%$643.24
135,550 at 3.96%$644.01
135,550 at 3.97%$644.79
135,550 at 3.98%$645.57
135,550 at 3.99%$646.36
135,550 at 4%$647.14
135,550 at 4.01%$647.92
135,550 at 4.02%$648.70
135,550 at 4.03%$649.48
135,550 at 4.04%$650.27
135,550 at 4.05%$651.05
135,550 at 4.06%$651.83
135,550 at 4.07%$652.62
135,550 at 4.08%$653.40
135,550 at 4.09%$654.19
135,550 at 4.1%$654.98
135,550 at 4.11%$655.76
135,550 at 4.12%$656.55
135,550 at 4.13%$657.34
135,550 at 4.14%$658.12
135,550 at 4.15%$658.91
135,550 at 4.16%$659.70
135,550 at 4.17%$660.49
135,550 at 4.18%$661.28
135,550 at 4.19%$662.07
135,550 at 4.2%$662.86
135,550 at 4.21%$663.65
135,550 at 4.22%$664.45
135,550 at 4.23%$665.24
135,550 at 4.24%$666.03
135,550 at 4.25%$666.82
135,550 at 4.26%$667.62
135,550 at 4.27%$668.41
135,550 at 4.28%$669.21
135,550 at 4.29%$670.00
135,550 at 4.3%$670.80
135,550 at 4.31%$671.59
135,550 at 4.32%$672.39
135,550 at 4.33%$673.19
135,550 at 4.34%$673.99
135,550 at 4.35%$674.78
135,550 at 4.36%$675.58
135,550 at 4.37%$676.38
135,550 at 4.38%$677.18
135,550 at 4.39%$677.98
135,550 at 4.4%$678.78
135,550 at 4.41%$679.58
135,550 at 4.42%$680.38
135,550 at 4.43%$681.19
135,550 at 4.44%$681.99
135,550 at 4.45%$682.79
135,550 at 4.46%$683.59
135,550 at 4.47%$684.40
135,550 at 4.48%$685.20
135,550 at 4.49%$686.01
135,550 at 4.5%$686.81
135,550 at 4.51%$687.62
135,550 at 4.52%$688.42
135,550 at 4.53%$689.23
135,550 at 4.54%$690.04
135,550 at 4.55%$690.84
135,550 at 4.56%$691.65
135,550 at 4.57%$692.46
135,550 at 4.58%$693.27
135,550 at 4.59%$694.08
135,550 at 4.6%$694.89
135,550 at 4.61%$695.70
135,550 at 4.62%$696.51
135,550 at 4.63%$697.32
135,550 at 4.64%$698.13
135,550 at 4.65%$698.95
135,550 at 4.66%$699.76
135,550 at 4.67%$700.57
135,550 at 4.68%$701.39
135,550 at 4.69%$702.20
135,550 at 4.7%$703.01
135,550 at 4.71%$703.83
135,550 at 4.72%$704.64
135,550 at 4.73%$705.46
135,550 at 4.74%$706.28
135,550 at 4.75%$707.09
135,550 at 4.76%$707.91
135,550 at 4.77%$708.73
135,550 at 4.78%$709.55
135,550 at 4.79%$710.36
135,550 at 4.8%$711.18
135,550 at 4.81%$712.00
135,550 at 4.82%$712.82
135,550 at 4.83%$713.64
135,550 at 4.84%$714.46
135,550 at 4.85%$715.29
135,550 at 4.86%$716.11
135,550 at 4.87%$716.93
135,550 at 4.88%$717.75
135,550 at 4.89%$718.58
135,550 at 4.9%$719.40
135,550 at 4.91%$720.22
135,550 at 4.92%$721.05
135,550 at 4.93%$721.87
135,550 at 4.94%$722.70
135,550 at 4.95%$723.53
135,550 at 4.96%$724.35
135,550 at 4.97%$725.18
135,550 at 4.98%$726.01
135,550 at 4.99%$726.83
135,550 at 5%$727.66
Interest Rate 30 Year
135,550 at 5.01%$728.49
135,550 at 5.02%$729.32
135,550 at 5.03%$730.15
135,550 at 5.04%$730.98
135,550 at 5.05%$731.81
135,550 at 5.06%$732.64
135,550 at 5.07%$733.47
135,550 at 5.08%$734.30
135,550 at 5.09%$735.14
135,550 at 5.1%$735.97
135,550 at 5.11%$736.80
135,550 at 5.12%$737.64
135,550 at 5.13%$738.47
135,550 at 5.14%$739.30
135,550 at 5.15%$740.14
135,550 at 5.16%$740.97
135,550 at 5.17%$741.81
135,550 at 5.18%$742.65
135,550 at 5.19%$743.48
135,550 at 5.2%$744.32
135,550 at 5.21%$745.16
135,550 at 5.22%$746.00
135,550 at 5.23%$746.83
135,550 at 5.24%$747.67
135,550 at 5.25%$748.51
135,550 at 5.26%$749.35
135,550 at 5.27%$750.19
135,550 at 5.28%$751.03
135,550 at 5.29%$751.87
135,550 at 5.3%$752.72
135,550 at 5.31%$753.56
135,550 at 5.32%$754.40
135,550 at 5.33%$755.24
135,550 at 5.34%$756.09
135,550 at 5.35%$756.93
135,550 at 5.36%$757.77
135,550 at 5.37%$758.62
135,550 at 5.38%$759.46
135,550 at 5.39%$760.31
135,550 at 5.4%$761.15
135,550 at 5.41%$762.00
135,550 at 5.42%$762.85
135,550 at 5.43%$763.70
135,550 at 5.44%$764.54
135,550 at 5.45%$765.39
135,550 at 5.46%$766.24
135,550 at 5.47%$767.09
135,550 at 5.48%$767.94
135,550 at 5.49%$768.79
135,550 at 5.5%$769.64
135,550 at 5.51%$770.49
135,550 at 5.52%$771.34
135,550 at 5.53%$772.19
135,550 at 5.54%$773.04
135,550 at 5.55%$773.90
135,550 at 5.56%$774.75
135,550 at 5.57%$775.60
135,550 at 5.58%$776.46
135,550 at 5.59%$777.31
135,550 at 5.6%$778.16
135,550 at 5.61%$779.02
135,550 at 5.62%$779.87
135,550 at 5.63%$780.73
135,550 at 5.64%$781.59
135,550 at 5.65%$782.44
135,550 at 5.66%$783.30
135,550 at 5.67%$784.16
135,550 at 5.68%$785.02
135,550 at 5.69%$785.87
135,550 at 5.7%$786.73
135,550 at 5.71%$787.59
135,550 at 5.72%$788.45
135,550 at 5.73%$789.31
135,550 at 5.74%$790.17
135,550 at 5.75%$791.03
135,550 at 5.76%$791.89
135,550 at 5.77%$792.76
135,550 at 5.78%$793.62
135,550 at 5.79%$794.48
135,550 at 5.8%$795.34
135,550 at 5.81%$796.21
135,550 at 5.82%$797.07
135,550 at 5.83%$797.94
135,550 at 5.84%$798.80
135,550 at 5.85%$799.66
135,550 at 5.86%$800.53
135,550 at 5.87%$801.40
135,550 at 5.88%$802.26
135,550 at 5.89%$803.13
135,550 at 5.9%$804.00
135,550 at 5.91%$804.86
135,550 at 5.92%$805.73
135,550 at 5.93%$806.60
135,550 at 5.94%$807.47
135,550 at 5.95%$808.34
135,550 at 5.96%$809.21
135,550 at 5.97%$810.08
135,550 at 5.98%$810.95
135,550 at 5.99%$811.82
135,550 at 6%$812.69
135,550 at 6.01%$813.56
135,550 at 6.02%$814.43
135,550 at 6.03%$815.31
135,550 at 6.04%$816.18
135,550 at 6.05%$817.05
135,550 at 6.06%$817.93
135,550 at 6.07%$818.80
135,550 at 6.08%$819.68
135,550 at 6.09%$820.55
135,550 at 6.1%$821.43
135,550 at 6.11%$822.30
135,550 at 6.12%$823.18
135,550 at 6.13%$824.05
135,550 at 6.14%$824.93
135,550 at 6.15%$825.81
135,550 at 6.16%$826.69
135,550 at 6.17%$827.56
135,550 at 6.18%$828.44
135,550 at 6.19%$829.32
135,550 at 6.2%$830.20
135,550 at 6.21%$831.08
135,550 at 6.22%$831.96
135,550 at 6.23%$832.84
135,550 at 6.24%$833.72
135,550 at 6.25%$834.60
135,550 at 6.26%$835.49
135,550 at 6.27%$836.37
135,550 at 6.28%$837.25
135,550 at 6.29%$838.13
135,550 at 6.3%$839.02
135,550 at 6.31%$839.90
135,550 at 6.32%$840.79
135,550 at 6.33%$841.67
135,550 at 6.34%$842.56
135,550 at 6.35%$843.44
135,550 at 6.36%$844.33
135,550 at 6.37%$845.21
135,550 at 6.38%$846.10
135,550 at 6.39%$846.99
135,550 at 6.4%$847.87
135,550 at 6.41%$848.76
135,550 at 6.42%$849.65
135,550 at 6.43%$850.54
135,550 at 6.44%$851.43
135,550 at 6.45%$852.32
135,550 at 6.46%$853.21
135,550 at 6.47%$854.10
135,550 at 6.48%$854.99
135,550 at 6.49%$855.88
135,550 at 6.5%$856.77
Interest Rate 30 Year
135,550 at 6.51%$857.66
135,550 at 6.52%$858.55
135,550 at 6.53%$859.44
135,550 at 6.54%$860.34
135,550 at 6.55%$861.23
135,550 at 6.56%$862.12
135,550 at 6.57%$863.02
135,550 at 6.58%$863.91
135,550 at 6.59%$864.81
135,550 at 6.6%$865.70
135,550 at 6.61%$866.60
135,550 at 6.62%$867.49
135,550 at 6.63%$868.39
135,550 at 6.64%$869.29
135,550 at 6.65%$870.18
135,550 at 6.66%$871.08
135,550 at 6.67%$871.98
135,550 at 6.68%$872.88
135,550 at 6.69%$873.78
135,550 at 6.7%$874.67
135,550 at 6.71%$875.57
135,550 at 6.72%$876.47
135,550 at 6.73%$877.37
135,550 at 6.74%$878.27
135,550 at 6.75%$879.17
135,550 at 6.76%$880.08
135,550 at 6.77%$880.98
135,550 at 6.78%$881.88
135,550 at 6.79%$882.78
135,550 at 6.8%$883.68
135,550 at 6.81%$884.59
135,550 at 6.82%$885.49
135,550 at 6.83%$886.40
135,550 at 6.84%$887.30
135,550 at 6.85%$888.20
135,550 at 6.86%$889.11
135,550 at 6.87%$890.01
135,550 at 6.88%$890.92
135,550 at 6.89%$891.83
135,550 at 6.9%$892.73
135,550 at 6.91%$893.64
135,550 at 6.92%$894.55
135,550 at 6.93%$895.45
135,550 at 6.94%$896.36
135,550 at 6.95%$897.27
135,550 at 6.96%$898.18
135,550 at 6.97%$899.09
135,550 at 6.98%$900.00
135,550 at 6.99%$900.91
135,550 at 7%$901.82
135,550 at 7.01%$902.73
135,550 at 7.02%$903.64
135,550 at 7.03%$904.55
135,550 at 7.04%$905.46
135,550 at 7.05%$906.37
135,550 at 7.06%$907.29
135,550 at 7.07%$908.20
135,550 at 7.08%$909.11
135,550 at 7.09%$910.03
135,550 at 7.1%$910.94
135,550 at 7.11%$911.85
135,550 at 7.12%$912.77
135,550 at 7.13%$913.68
135,550 at 7.14%$914.60
135,550 at 7.15%$915.51
135,550 at 7.16%$916.43
135,550 at 7.17%$917.35
135,550 at 7.18%$918.26
135,550 at 7.19%$919.18
135,550 at 7.2%$920.10
135,550 at 7.21%$921.02
135,550 at 7.22%$921.93
135,550 at 7.23%$922.85
135,550 at 7.24%$923.77
135,550 at 7.25%$924.69
135,550 at 7.26%$925.61
135,550 at 7.27%$926.53
135,550 at 7.28%$927.45
135,550 at 7.29%$928.37
135,550 at 7.3%$929.29
135,550 at 7.31%$930.21
135,550 at 7.32%$931.13
135,550 at 7.33%$932.06
135,550 at 7.34%$932.98
135,550 at 7.35%$933.90
135,550 at 7.36%$934.82
135,550 at 7.37%$935.75
135,550 at 7.38%$936.67
135,550 at 7.39%$937.60
135,550 at 7.4%$938.52
135,550 at 7.41%$939.45
135,550 at 7.42%$940.37
135,550 at 7.43%$941.30
135,550 at 7.44%$942.22
135,550 at 7.45%$943.15
135,550 at 7.46%$944.08
135,550 at 7.47%$945.00
135,550 at 7.48%$945.93
135,550 at 7.49%$946.86
135,550 at 7.5%$947.79
135,550 at 7.51%$948.71
135,550 at 7.52%$949.64
135,550 at 7.53%$950.57
135,550 at 7.54%$951.50
135,550 at 7.55%$952.43
135,550 at 7.56%$953.36
135,550 at 7.57%$954.29
135,550 at 7.58%$955.22
135,550 at 7.59%$956.15
135,550 at 7.6%$957.08
135,550 at 7.61%$958.02
135,550 at 7.62%$958.95
135,550 at 7.63%$959.88
135,550 at 7.64%$960.81
135,550 at 7.65%$961.75
135,550 at 7.66%$962.68
135,550 at 7.67%$963.61
135,550 at 7.68%$964.55
135,550 at 7.69%$965.48
135,550 at 7.7%$966.42
135,550 at 7.71%$967.35
135,550 at 7.72%$968.29
135,550 at 7.73%$969.22
135,550 at 7.74%$970.16
135,550 at 7.75%$971.10
135,550 at 7.76%$972.03
135,550 at 7.77%$972.97
135,550 at 7.78%$973.91
135,550 at 7.79%$974.85
135,550 at 7.8%$975.78
135,550 at 7.81%$976.72
135,550 at 7.82%$977.66
135,550 at 7.83%$978.60
135,550 at 7.84%$979.54
135,550 at 7.85%$980.48
135,550 at 7.86%$981.42
135,550 at 7.87%$982.36
135,550 at 7.88%$983.30
135,550 at 7.89%$984.24
135,550 at 7.9%$985.18
135,550 at 7.91%$986.13
135,550 at 7.92%$987.07
135,550 at 7.93%$988.01
135,550 at 7.94%$988.95
135,550 at 7.95%$989.90
135,550 at 7.96%$990.84
135,550 at 7.97%$991.78
135,550 at 7.98%$992.73
135,550 at 7.99%$993.67
135,550 at 8%$994.62
More Amounts
What is the down payment for a $135,550 house? How much do you need to put down?
Percent Down Down Payment
1%1,356
2%2,711
3%4,067
4%5,422
5%6,778
6%8,133
7%9,489
8%10,844
9%12,200
10%13,555
11%14,911
12%16,266
13%17,622
14%18,977
15%20,333
16%21,688
17%23,044
18%24,399
19%25,755
20%27,110
Percent Down Down Payment
21%28,466
22%29,821
23%31,177
24%32,532
25%33,888
26%35,243
27%36,599
28%37,954
29%39,310
30%40,665
31%42,021
32%43,376
33%44,732
34%46,087
35%47,443
36%48,798
37%50,154
38%51,509
39%52,865
40%54,220
Percent Down Down Payment
41%55,576
42%56,931
43%58,287
44%59,642
45%60,998
46%62,353
47%63,709
48%65,064
49%66,420
50%67,775
51%69,131
52%70,486
53%71,842
54%73,197
55%74,553
56%75,908
57%77,264
58%78,619
59%79,975
60%81,330
Percent Down Down Payment
61%82,686
62%84,041
63%85,397
64%86,752
65%88,108
66%89,463
67%90,819
68%92,174
69%93,530
70%94,885
71%96,241
72%97,596
73%98,952
74%100,307
75%101,663
76%103,018
77%104,374
78%105,729
79%107,085
80%108,440
Percent Down Down Payment
81%109,796
82%111,151
83%112,507
84%113,862
85%115,218
86%116,573
87%117,929
88%119,284
89%120,640
90%121,995
91%123,351
92%124,706
93%126,062
94%127,417
95%128,773
96%130,128
97%131,484
98%132,839
99%134,195
100%135,550
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.