$136,200 Mortgage for 30 Years

What is the monthly payment of a 136,200 dollar loan?
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Loan Tables for a $136,200 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 $136,200 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
136,200 at 2.01%$504.10
136,200 at 2.02%$504.79
136,200 at 2.03%$505.47
136,200 at 2.04%$506.15
136,200 at 2.05%$506.83
136,200 at 2.06%$507.52
136,200 at 2.07%$508.20
136,200 at 2.08%$508.89
136,200 at 2.09%$509.57
136,200 at 2.1%$510.26
136,200 at 2.11%$510.95
136,200 at 2.12%$511.63
136,200 at 2.13%$512.32
136,200 at 2.14%$513.01
136,200 at 2.15%$513.70
136,200 at 2.16%$514.39
136,200 at 2.17%$515.08
136,200 at 2.18%$515.77
136,200 at 2.19%$516.46
136,200 at 2.2%$517.15
136,200 at 2.21%$517.84
136,200 at 2.22%$518.54
136,200 at 2.23%$519.23
136,200 at 2.24%$519.92
136,200 at 2.25%$520.62
136,200 at 2.26%$521.31
136,200 at 2.27%$522.01
136,200 at 2.28%$522.71
136,200 at 2.29%$523.40
136,200 at 2.3%$524.10
136,200 at 2.31%$524.80
136,200 at 2.32%$525.50
136,200 at 2.33%$526.19
136,200 at 2.34%$526.89
136,200 at 2.35%$527.59
136,200 at 2.36%$528.29
136,200 at 2.37%$528.99
136,200 at 2.38%$529.70
136,200 at 2.39%$530.40
136,200 at 2.4%$531.10
136,200 at 2.41%$531.80
136,200 at 2.42%$532.51
136,200 at 2.43%$533.21
136,200 at 2.44%$533.92
136,200 at 2.45%$534.62
136,200 at 2.46%$535.33
136,200 at 2.47%$536.03
136,200 at 2.48%$536.74
136,200 at 2.49%$537.45
136,200 at 2.5%$538.15
136,200 at 2.51%$538.86
136,200 at 2.52%$539.57
136,200 at 2.53%$540.28
136,200 at 2.54%$540.99
136,200 at 2.55%$541.70
136,200 at 2.56%$542.41
136,200 at 2.57%$543.12
136,200 at 2.58%$543.84
136,200 at 2.59%$544.55
136,200 at 2.6%$545.26
136,200 at 2.61%$545.98
136,200 at 2.62%$546.69
136,200 at 2.63%$547.41
136,200 at 2.64%$548.12
136,200 at 2.65%$548.84
136,200 at 2.66%$549.55
136,200 at 2.67%$550.27
136,200 at 2.68%$550.99
136,200 at 2.69%$551.71
136,200 at 2.7%$552.42
136,200 at 2.71%$553.14
136,200 at 2.72%$553.86
136,200 at 2.73%$554.58
136,200 at 2.74%$555.30
136,200 at 2.75%$556.02
136,200 at 2.76%$556.75
136,200 at 2.77%$557.47
136,200 at 2.78%$558.19
136,200 at 2.79%$558.91
136,200 at 2.8%$559.64
136,200 at 2.81%$560.36
136,200 at 2.82%$561.09
136,200 at 2.83%$561.81
136,200 at 2.84%$562.54
136,200 at 2.85%$563.27
136,200 at 2.86%$563.99
136,200 at 2.87%$564.72
136,200 at 2.88%$565.45
136,200 at 2.89%$566.18
136,200 at 2.9%$566.91
136,200 at 2.91%$567.63
136,200 at 2.92%$568.36
136,200 at 2.93%$569.10
136,200 at 2.94%$569.83
136,200 at 2.95%$570.56
136,200 at 2.96%$571.29
136,200 at 2.97%$572.02
136,200 at 2.98%$572.76
136,200 at 2.99%$573.49
136,200 at 3%$574.22
136,200 at 3.01%$574.96
136,200 at 3.02%$575.69
136,200 at 3.03%$576.43
136,200 at 3.04%$577.17
136,200 at 3.05%$577.90
136,200 at 3.06%$578.64
136,200 at 3.07%$579.38
136,200 at 3.08%$580.12
136,200 at 3.09%$580.86
136,200 at 3.1%$581.60
136,200 at 3.11%$582.34
136,200 at 3.12%$583.08
136,200 at 3.13%$583.82
136,200 at 3.14%$584.56
136,200 at 3.15%$585.30
136,200 at 3.16%$586.04
136,200 at 3.17%$586.79
136,200 at 3.18%$587.53
136,200 at 3.19%$588.28
136,200 at 3.2%$589.02
136,200 at 3.21%$589.77
136,200 at 3.22%$590.51
136,200 at 3.23%$591.26
136,200 at 3.24%$592.00
136,200 at 3.25%$592.75
136,200 at 3.26%$593.50
136,200 at 3.27%$594.25
136,200 at 3.28%$595.00
136,200 at 3.29%$595.75
136,200 at 3.3%$596.50
136,200 at 3.31%$597.25
136,200 at 3.32%$598.00
136,200 at 3.33%$598.75
136,200 at 3.34%$599.50
136,200 at 3.35%$600.25
136,200 at 3.36%$601.00
136,200 at 3.37%$601.76
136,200 at 3.38%$602.51
136,200 at 3.39%$603.27
136,200 at 3.4%$604.02
136,200 at 3.41%$604.78
136,200 at 3.42%$605.53
136,200 at 3.43%$606.29
136,200 at 3.44%$607.05
136,200 at 3.45%$607.80
136,200 at 3.46%$608.56
136,200 at 3.47%$609.32
136,200 at 3.48%$610.08
136,200 at 3.49%$610.84
136,200 at 3.5%$611.60
Interest Rate 30 Year
136,200 at 3.51%$612.36
136,200 at 3.52%$613.12
136,200 at 3.53%$613.88
136,200 at 3.54%$614.64
136,200 at 3.55%$615.41
136,200 at 3.56%$616.17
136,200 at 3.57%$616.93
136,200 at 3.58%$617.70
136,200 at 3.59%$618.46
136,200 at 3.6%$619.23
136,200 at 3.61%$619.99
136,200 at 3.62%$620.76
136,200 at 3.63%$621.53
136,200 at 3.64%$622.29
136,200 at 3.65%$623.06
136,200 at 3.66%$623.83
136,200 at 3.67%$624.60
136,200 at 3.68%$625.37
136,200 at 3.69%$626.14
136,200 at 3.7%$626.91
136,200 at 3.71%$627.68
136,200 at 3.72%$628.45
136,200 at 3.73%$629.22
136,200 at 3.74%$629.99
136,200 at 3.75%$630.76
136,200 at 3.76%$631.54
136,200 at 3.77%$632.31
136,200 at 3.78%$633.08
136,200 at 3.79%$633.86
136,200 at 3.8%$634.63
136,200 at 3.81%$635.41
136,200 at 3.82%$636.19
136,200 at 3.83%$636.96
136,200 at 3.84%$637.74
136,200 at 3.85%$638.52
136,200 at 3.86%$639.29
136,200 at 3.87%$640.07
136,200 at 3.88%$640.85
136,200 at 3.89%$641.63
136,200 at 3.9%$642.41
136,200 at 3.91%$643.19
136,200 at 3.92%$643.97
136,200 at 3.93%$644.76
136,200 at 3.94%$645.54
136,200 at 3.95%$646.32
136,200 at 3.96%$647.10
136,200 at 3.97%$647.89
136,200 at 3.98%$648.67
136,200 at 3.99%$649.45
136,200 at 4%$650.24
136,200 at 4.01%$651.03
136,200 at 4.02%$651.81
136,200 at 4.03%$652.60
136,200 at 4.04%$653.38
136,200 at 4.05%$654.17
136,200 at 4.06%$654.96
136,200 at 4.07%$655.75
136,200 at 4.08%$656.54
136,200 at 4.09%$657.33
136,200 at 4.1%$658.12
136,200 at 4.11%$658.91
136,200 at 4.12%$659.70
136,200 at 4.13%$660.49
136,200 at 4.14%$661.28
136,200 at 4.15%$662.07
136,200 at 4.16%$662.87
136,200 at 4.17%$663.66
136,200 at 4.18%$664.45
136,200 at 4.19%$665.25
136,200 at 4.2%$666.04
136,200 at 4.21%$666.84
136,200 at 4.22%$667.63
136,200 at 4.23%$668.43
136,200 at 4.24%$669.23
136,200 at 4.25%$670.02
136,200 at 4.26%$670.82
136,200 at 4.27%$671.62
136,200 at 4.28%$672.42
136,200 at 4.29%$673.22
136,200 at 4.3%$674.01
136,200 at 4.31%$674.81
136,200 at 4.32%$675.62
136,200 at 4.33%$676.42
136,200 at 4.34%$677.22
136,200 at 4.35%$678.02
136,200 at 4.36%$678.82
136,200 at 4.37%$679.62
136,200 at 4.38%$680.43
136,200 at 4.39%$681.23
136,200 at 4.4%$682.04
136,200 at 4.41%$682.84
136,200 at 4.42%$683.65
136,200 at 4.43%$684.45
136,200 at 4.44%$685.26
136,200 at 4.45%$686.06
136,200 at 4.46%$686.87
136,200 at 4.47%$687.68
136,200 at 4.48%$688.49
136,200 at 4.49%$689.30
136,200 at 4.5%$690.11
136,200 at 4.51%$690.91
136,200 at 4.52%$691.72
136,200 at 4.53%$692.54
136,200 at 4.54%$693.35
136,200 at 4.55%$694.16
136,200 at 4.56%$694.97
136,200 at 4.57%$695.78
136,200 at 4.58%$696.59
136,200 at 4.59%$697.41
136,200 at 4.6%$698.22
136,200 at 4.61%$699.04
136,200 at 4.62%$699.85
136,200 at 4.63%$700.67
136,200 at 4.64%$701.48
136,200 at 4.65%$702.30
136,200 at 4.66%$703.11
136,200 at 4.67%$703.93
136,200 at 4.68%$704.75
136,200 at 4.69%$705.57
136,200 at 4.7%$706.38
136,200 at 4.71%$707.20
136,200 at 4.72%$708.02
136,200 at 4.73%$708.84
136,200 at 4.74%$709.66
136,200 at 4.75%$710.48
136,200 at 4.76%$711.30
136,200 at 4.77%$712.13
136,200 at 4.78%$712.95
136,200 at 4.79%$713.77
136,200 at 4.8%$714.59
136,200 at 4.81%$715.42
136,200 at 4.82%$716.24
136,200 at 4.83%$717.07
136,200 at 4.84%$717.89
136,200 at 4.85%$718.72
136,200 at 4.86%$719.54
136,200 at 4.87%$720.37
136,200 at 4.88%$721.20
136,200 at 4.89%$722.02
136,200 at 4.9%$722.85
136,200 at 4.91%$723.68
136,200 at 4.92%$724.51
136,200 at 4.93%$725.34
136,200 at 4.94%$726.16
136,200 at 4.95%$726.99
136,200 at 4.96%$727.83
136,200 at 4.97%$728.66
136,200 at 4.98%$729.49
136,200 at 4.99%$730.32
136,200 at 5%$731.15
Interest Rate 30 Year
136,200 at 5.01%$731.98
136,200 at 5.02%$732.82
136,200 at 5.03%$733.65
136,200 at 5.04%$734.48
136,200 at 5.05%$735.32
136,200 at 5.06%$736.15
136,200 at 5.07%$736.99
136,200 at 5.08%$737.82
136,200 at 5.09%$738.66
136,200 at 5.1%$739.50
136,200 at 5.11%$740.33
136,200 at 5.12%$741.17
136,200 at 5.13%$742.01
136,200 at 5.14%$742.85
136,200 at 5.15%$743.69
136,200 at 5.16%$744.53
136,200 at 5.17%$745.37
136,200 at 5.18%$746.21
136,200 at 5.19%$747.05
136,200 at 5.2%$747.89
136,200 at 5.21%$748.73
136,200 at 5.22%$749.57
136,200 at 5.23%$750.42
136,200 at 5.24%$751.26
136,200 at 5.25%$752.10
136,200 at 5.26%$752.95
136,200 at 5.27%$753.79
136,200 at 5.28%$754.63
136,200 at 5.29%$755.48
136,200 at 5.3%$756.32
136,200 at 5.31%$757.17
136,200 at 5.32%$758.02
136,200 at 5.33%$758.86
136,200 at 5.34%$759.71
136,200 at 5.35%$760.56
136,200 at 5.36%$761.41
136,200 at 5.37%$762.26
136,200 at 5.38%$763.11
136,200 at 5.39%$763.95
136,200 at 5.4%$764.80
136,200 at 5.41%$765.66
136,200 at 5.42%$766.51
136,200 at 5.43%$767.36
136,200 at 5.44%$768.21
136,200 at 5.45%$769.06
136,200 at 5.46%$769.91
136,200 at 5.47%$770.77
136,200 at 5.48%$771.62
136,200 at 5.49%$772.47
136,200 at 5.5%$773.33
136,200 at 5.51%$774.18
136,200 at 5.52%$775.04
136,200 at 5.53%$775.89
136,200 at 5.54%$776.75
136,200 at 5.55%$777.61
136,200 at 5.56%$778.46
136,200 at 5.57%$779.32
136,200 at 5.58%$780.18
136,200 at 5.59%$781.04
136,200 at 5.6%$781.90
136,200 at 5.61%$782.75
136,200 at 5.62%$783.61
136,200 at 5.63%$784.47
136,200 at 5.64%$785.33
136,200 at 5.65%$786.20
136,200 at 5.66%$787.06
136,200 at 5.67%$787.92
136,200 at 5.68%$788.78
136,200 at 5.69%$789.64
136,200 at 5.7%$790.51
136,200 at 5.71%$791.37
136,200 at 5.72%$792.23
136,200 at 5.73%$793.10
136,200 at 5.74%$793.96
136,200 at 5.75%$794.83
136,200 at 5.76%$795.69
136,200 at 5.77%$796.56
136,200 at 5.78%$797.42
136,200 at 5.79%$798.29
136,200 at 5.8%$799.16
136,200 at 5.81%$800.03
136,200 at 5.82%$800.89
136,200 at 5.83%$801.76
136,200 at 5.84%$802.63
136,200 at 5.85%$803.50
136,200 at 5.86%$804.37
136,200 at 5.87%$805.24
136,200 at 5.88%$806.11
136,200 at 5.89%$806.98
136,200 at 5.9%$807.85
136,200 at 5.91%$808.72
136,200 at 5.92%$809.60
136,200 at 5.93%$810.47
136,200 at 5.94%$811.34
136,200 at 5.95%$812.21
136,200 at 5.96%$813.09
136,200 at 5.97%$813.96
136,200 at 5.98%$814.84
136,200 at 5.99%$815.71
136,200 at 6%$816.59
136,200 at 6.01%$817.46
136,200 at 6.02%$818.34
136,200 at 6.03%$819.22
136,200 at 6.04%$820.09
136,200 at 6.05%$820.97
136,200 at 6.06%$821.85
136,200 at 6.07%$822.73
136,200 at 6.08%$823.61
136,200 at 6.09%$824.49
136,200 at 6.1%$825.36
136,200 at 6.11%$826.24
136,200 at 6.12%$827.13
136,200 at 6.13%$828.01
136,200 at 6.14%$828.89
136,200 at 6.15%$829.77
136,200 at 6.16%$830.65
136,200 at 6.17%$831.53
136,200 at 6.18%$832.42
136,200 at 6.19%$833.30
136,200 at 6.2%$834.18
136,200 at 6.21%$835.07
136,200 at 6.22%$835.95
136,200 at 6.23%$836.84
136,200 at 6.24%$837.72
136,200 at 6.25%$838.61
136,200 at 6.26%$839.49
136,200 at 6.27%$840.38
136,200 at 6.28%$841.27
136,200 at 6.29%$842.15
136,200 at 6.3%$843.04
136,200 at 6.31%$843.93
136,200 at 6.32%$844.82
136,200 at 6.33%$845.71
136,200 at 6.34%$846.60
136,200 at 6.35%$847.49
136,200 at 6.36%$848.38
136,200 at 6.37%$849.27
136,200 at 6.38%$850.16
136,200 at 6.39%$851.05
136,200 at 6.4%$851.94
136,200 at 6.41%$852.83
136,200 at 6.42%$853.72
136,200 at 6.43%$854.62
136,200 at 6.44%$855.51
136,200 at 6.45%$856.40
136,200 at 6.46%$857.30
136,200 at 6.47%$858.19
136,200 at 6.48%$859.09
136,200 at 6.49%$859.98
136,200 at 6.5%$860.88
Interest Rate 30 Year
136,200 at 6.51%$861.77
136,200 at 6.52%$862.67
136,200 at 6.53%$863.57
136,200 at 6.54%$864.46
136,200 at 6.55%$865.36
136,200 at 6.56%$866.26
136,200 at 6.57%$867.16
136,200 at 6.58%$868.05
136,200 at 6.59%$868.95
136,200 at 6.6%$869.85
136,200 at 6.61%$870.75
136,200 at 6.62%$871.65
136,200 at 6.63%$872.55
136,200 at 6.64%$873.45
136,200 at 6.65%$874.36
136,200 at 6.66%$875.26
136,200 at 6.67%$876.16
136,200 at 6.68%$877.06
136,200 at 6.69%$877.97
136,200 at 6.7%$878.87
136,200 at 6.71%$879.77
136,200 at 6.72%$880.68
136,200 at 6.73%$881.58
136,200 at 6.74%$882.49
136,200 at 6.75%$883.39
136,200 at 6.76%$884.30
136,200 at 6.77%$885.20
136,200 at 6.78%$886.11
136,200 at 6.79%$887.02
136,200 at 6.8%$887.92
136,200 at 6.81%$888.83
136,200 at 6.82%$889.74
136,200 at 6.83%$890.65
136,200 at 6.84%$891.55
136,200 at 6.85%$892.46
136,200 at 6.86%$893.37
136,200 at 6.87%$894.28
136,200 at 6.88%$895.19
136,200 at 6.89%$896.10
136,200 at 6.9%$897.01
136,200 at 6.91%$897.92
136,200 at 6.92%$898.84
136,200 at 6.93%$899.75
136,200 at 6.94%$900.66
136,200 at 6.95%$901.57
136,200 at 6.96%$902.49
136,200 at 6.97%$903.40
136,200 at 6.98%$904.31
136,200 at 6.99%$905.23
136,200 at 7%$906.14
136,200 at 7.01%$907.06
136,200 at 7.02%$907.97
136,200 at 7.03%$908.89
136,200 at 7.04%$909.80
136,200 at 7.05%$910.72
136,200 at 7.06%$911.64
136,200 at 7.07%$912.55
136,200 at 7.08%$913.47
136,200 at 7.09%$914.39
136,200 at 7.1%$915.31
136,200 at 7.11%$916.23
136,200 at 7.12%$917.15
136,200 at 7.13%$918.06
136,200 at 7.14%$918.98
136,200 at 7.15%$919.90
136,200 at 7.16%$920.82
136,200 at 7.17%$921.75
136,200 at 7.18%$922.67
136,200 at 7.19%$923.59
136,200 at 7.2%$924.51
136,200 at 7.21%$925.43
136,200 at 7.22%$926.35
136,200 at 7.23%$927.28
136,200 at 7.24%$928.20
136,200 at 7.25%$929.12
136,200 at 7.26%$930.05
136,200 at 7.27%$930.97
136,200 at 7.28%$931.90
136,200 at 7.29%$932.82
136,200 at 7.3%$933.75
136,200 at 7.31%$934.67
136,200 at 7.32%$935.60
136,200 at 7.33%$936.53
136,200 at 7.34%$937.45
136,200 at 7.35%$938.38
136,200 at 7.36%$939.31
136,200 at 7.37%$940.24
136,200 at 7.38%$941.16
136,200 at 7.39%$942.09
136,200 at 7.4%$943.02
136,200 at 7.41%$943.95
136,200 at 7.42%$944.88
136,200 at 7.43%$945.81
136,200 at 7.44%$946.74
136,200 at 7.45%$947.67
136,200 at 7.46%$948.60
136,200 at 7.47%$949.53
136,200 at 7.48%$950.47
136,200 at 7.49%$951.40
136,200 at 7.5%$952.33
136,200 at 7.51%$953.26
136,200 at 7.52%$954.20
136,200 at 7.53%$955.13
136,200 at 7.54%$956.06
136,200 at 7.55%$957.00
136,200 at 7.56%$957.93
136,200 at 7.57%$958.87
136,200 at 7.58%$959.80
136,200 at 7.59%$960.74
136,200 at 7.6%$961.67
136,200 at 7.61%$962.61
136,200 at 7.62%$963.55
136,200 at 7.63%$964.48
136,200 at 7.64%$965.42
136,200 at 7.65%$966.36
136,200 at 7.66%$967.30
136,200 at 7.67%$968.23
136,200 at 7.68%$969.17
136,200 at 7.69%$970.11
136,200 at 7.7%$971.05
136,200 at 7.71%$971.99
136,200 at 7.72%$972.93
136,200 at 7.73%$973.87
136,200 at 7.74%$974.81
136,200 at 7.75%$975.75
136,200 at 7.76%$976.69
136,200 at 7.77%$977.64
136,200 at 7.78%$978.58
136,200 at 7.79%$979.52
136,200 at 7.8%$980.46
136,200 at 7.81%$981.41
136,200 at 7.82%$982.35
136,200 at 7.83%$983.29
136,200 at 7.84%$984.24
136,200 at 7.85%$985.18
136,200 at 7.86%$986.13
136,200 at 7.87%$987.07
136,200 at 7.88%$988.02
136,200 at 7.89%$988.96
136,200 at 7.9%$989.91
136,200 at 7.91%$990.86
136,200 at 7.92%$991.80
136,200 at 7.93%$992.75
136,200 at 7.94%$993.70
136,200 at 7.95%$994.64
136,200 at 7.96%$995.59
136,200 at 7.97%$996.54
136,200 at 7.98%$997.49
136,200 at 7.99%$998.44
136,200 at 8%$999.39
More Amounts
What is the down payment for a $136,200 house? How much do you need to put down?
Percent Down Down Payment
1%1,362
2%2,724
3%4,086
4%5,448
5%6,810
6%8,172
7%9,534
8%10,896
9%12,258
10%13,620
11%14,982
12%16,344
13%17,706
14%19,068
15%20,430
16%21,792
17%23,154
18%24,516
19%25,878
20%27,240
Percent Down Down Payment
21%28,602
22%29,964
23%31,326
24%32,688
25%34,050
26%35,412
27%36,774
28%38,136
29%39,498
30%40,860
31%42,222
32%43,584
33%44,946
34%46,308
35%47,670
36%49,032
37%50,394
38%51,756
39%53,118
40%54,480
Percent Down Down Payment
41%55,842
42%57,204
43%58,566
44%59,928
45%61,290
46%62,652
47%64,014
48%65,376
49%66,738
50%68,100
51%69,462
52%70,824
53%72,186
54%73,548
55%74,910
56%76,272
57%77,634
58%78,996
59%80,358
60%81,720
Percent Down Down Payment
61%83,082
62%84,444
63%85,806
64%87,168
65%88,530
66%89,892
67%91,254
68%92,616
69%93,978
70%95,340
71%96,702
72%98,064
73%99,426
74%100,788
75%102,150
76%103,512
77%104,874
78%106,236
79%107,598
80%108,960
Percent Down Down Payment
81%110,322
82%111,684
83%113,046
84%114,408
85%115,770
86%117,132
87%118,494
88%119,856
89%121,218
90%122,580
91%123,942
92%125,304
93%126,666
94%128,028
95%129,390
96%130,752
97%132,114
98%133,476
99%134,838
100%136,200
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.