$13,650 Mortgage for 30 Years

What is the monthly payment of a 13,650 dollar loan?
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Loan Tables for a $13,650 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 14k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $13,650 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
13,650 at 2.01%$50.52
13,650 at 2.02%$50.59
13,650 at 2.03%$50.66
13,650 at 2.04%$50.73
13,650 at 2.05%$50.80
13,650 at 2.06%$50.86
13,650 at 2.07%$50.93
13,650 at 2.08%$51.00
13,650 at 2.09%$51.07
13,650 at 2.1%$51.14
13,650 at 2.11%$51.21
13,650 at 2.12%$51.28
13,650 at 2.13%$51.35
13,650 at 2.14%$51.41
13,650 at 2.15%$51.48
13,650 at 2.16%$51.55
13,650 at 2.17%$51.62
13,650 at 2.18%$51.69
13,650 at 2.19%$51.76
13,650 at 2.2%$51.83
13,650 at 2.21%$51.90
13,650 at 2.22%$51.97
13,650 at 2.23%$52.04
13,650 at 2.24%$52.11
13,650 at 2.25%$52.18
13,650 at 2.26%$52.25
13,650 at 2.27%$52.32
13,650 at 2.28%$52.39
13,650 at 2.29%$52.46
13,650 at 2.3%$52.53
13,650 at 2.31%$52.60
13,650 at 2.32%$52.67
13,650 at 2.33%$52.74
13,650 at 2.34%$52.81
13,650 at 2.35%$52.88
13,650 at 2.36%$52.95
13,650 at 2.37%$53.02
13,650 at 2.38%$53.09
13,650 at 2.39%$53.16
13,650 at 2.4%$53.23
13,650 at 2.41%$53.30
13,650 at 2.42%$53.37
13,650 at 2.43%$53.44
13,650 at 2.44%$53.51
13,650 at 2.45%$53.58
13,650 at 2.46%$53.65
13,650 at 2.47%$53.72
13,650 at 2.48%$53.79
13,650 at 2.49%$53.86
13,650 at 2.5%$53.93
13,650 at 2.51%$54.00
13,650 at 2.52%$54.08
13,650 at 2.53%$54.15
13,650 at 2.54%$54.22
13,650 at 2.55%$54.29
13,650 at 2.56%$54.36
13,650 at 2.57%$54.43
13,650 at 2.58%$54.50
13,650 at 2.59%$54.57
13,650 at 2.6%$54.65
13,650 at 2.61%$54.72
13,650 at 2.62%$54.79
13,650 at 2.63%$54.86
13,650 at 2.64%$54.93
13,650 at 2.65%$55.00
13,650 at 2.66%$55.08
13,650 at 2.67%$55.15
13,650 at 2.68%$55.22
13,650 at 2.69%$55.29
13,650 at 2.7%$55.36
13,650 at 2.71%$55.44
13,650 at 2.72%$55.51
13,650 at 2.73%$55.58
13,650 at 2.74%$55.65
13,650 at 2.75%$55.72
13,650 at 2.76%$55.80
13,650 at 2.77%$55.87
13,650 at 2.78%$55.94
13,650 at 2.79%$56.01
13,650 at 2.8%$56.09
13,650 at 2.81%$56.16
13,650 at 2.82%$56.23
13,650 at 2.83%$56.31
13,650 at 2.84%$56.38
13,650 at 2.85%$56.45
13,650 at 2.86%$56.52
13,650 at 2.87%$56.60
13,650 at 2.88%$56.67
13,650 at 2.89%$56.74
13,650 at 2.9%$56.82
13,650 at 2.91%$56.89
13,650 at 2.92%$56.96
13,650 at 2.93%$57.03
13,650 at 2.94%$57.11
13,650 at 2.95%$57.18
13,650 at 2.96%$57.25
13,650 at 2.97%$57.33
13,650 at 2.98%$57.40
13,650 at 2.99%$57.48
13,650 at 3%$57.55
13,650 at 3.01%$57.62
13,650 at 3.02%$57.70
13,650 at 3.03%$57.77
13,650 at 3.04%$57.84
13,650 at 3.05%$57.92
13,650 at 3.06%$57.99
13,650 at 3.07%$58.07
13,650 at 3.08%$58.14
13,650 at 3.09%$58.21
13,650 at 3.1%$58.29
13,650 at 3.11%$58.36
13,650 at 3.12%$58.44
13,650 at 3.13%$58.51
13,650 at 3.14%$58.58
13,650 at 3.15%$58.66
13,650 at 3.16%$58.73
13,650 at 3.17%$58.81
13,650 at 3.18%$58.88
13,650 at 3.19%$58.96
13,650 at 3.2%$59.03
13,650 at 3.21%$59.11
13,650 at 3.22%$59.18
13,650 at 3.23%$59.26
13,650 at 3.24%$59.33
13,650 at 3.25%$59.41
13,650 at 3.26%$59.48
13,650 at 3.27%$59.56
13,650 at 3.28%$59.63
13,650 at 3.29%$59.71
13,650 at 3.3%$59.78
13,650 at 3.31%$59.86
13,650 at 3.32%$59.93
13,650 at 3.33%$60.01
13,650 at 3.34%$60.08
13,650 at 3.35%$60.16
13,650 at 3.36%$60.23
13,650 at 3.37%$60.31
13,650 at 3.38%$60.38
13,650 at 3.39%$60.46
13,650 at 3.4%$60.54
13,650 at 3.41%$60.61
13,650 at 3.42%$60.69
13,650 at 3.43%$60.76
13,650 at 3.44%$60.84
13,650 at 3.45%$60.91
13,650 at 3.46%$60.99
13,650 at 3.47%$61.07
13,650 at 3.48%$61.14
13,650 at 3.49%$61.22
13,650 at 3.5%$61.29
Interest Rate 30 Year
13,650 at 3.51%$61.37
13,650 at 3.52%$61.45
13,650 at 3.53%$61.52
13,650 at 3.54%$61.60
13,650 at 3.55%$61.68
13,650 at 3.56%$61.75
13,650 at 3.57%$61.83
13,650 at 3.58%$61.91
13,650 at 3.59%$61.98
13,650 at 3.6%$62.06
13,650 at 3.61%$62.14
13,650 at 3.62%$62.21
13,650 at 3.63%$62.29
13,650 at 3.64%$62.37
13,650 at 3.65%$62.44
13,650 at 3.66%$62.52
13,650 at 3.67%$62.60
13,650 at 3.68%$62.67
13,650 at 3.69%$62.75
13,650 at 3.7%$62.83
13,650 at 3.71%$62.91
13,650 at 3.72%$62.98
13,650 at 3.73%$63.06
13,650 at 3.74%$63.14
13,650 at 3.75%$63.22
13,650 at 3.76%$63.29
13,650 at 3.77%$63.37
13,650 at 3.78%$63.45
13,650 at 3.79%$63.53
13,650 at 3.8%$63.60
13,650 at 3.81%$63.68
13,650 at 3.82%$63.76
13,650 at 3.83%$63.84
13,650 at 3.84%$63.91
13,650 at 3.85%$63.99
13,650 at 3.86%$64.07
13,650 at 3.87%$64.15
13,650 at 3.88%$64.23
13,650 at 3.89%$64.30
13,650 at 3.9%$64.38
13,650 at 3.91%$64.46
13,650 at 3.92%$64.54
13,650 at 3.93%$64.62
13,650 at 3.94%$64.70
13,650 at 3.95%$64.77
13,650 at 3.96%$64.85
13,650 at 3.97%$64.93
13,650 at 3.98%$65.01
13,650 at 3.99%$65.09
13,650 at 4%$65.17
13,650 at 4.01%$65.25
13,650 at 4.02%$65.32
13,650 at 4.03%$65.40
13,650 at 4.04%$65.48
13,650 at 4.05%$65.56
13,650 at 4.06%$65.64
13,650 at 4.07%$65.72
13,650 at 4.08%$65.80
13,650 at 4.09%$65.88
13,650 at 4.1%$65.96
13,650 at 4.11%$66.04
13,650 at 4.12%$66.12
13,650 at 4.13%$66.19
13,650 at 4.14%$66.27
13,650 at 4.15%$66.35
13,650 at 4.16%$66.43
13,650 at 4.17%$66.51
13,650 at 4.18%$66.59
13,650 at 4.19%$66.67
13,650 at 4.2%$66.75
13,650 at 4.21%$66.83
13,650 at 4.22%$66.91
13,650 at 4.23%$66.99
13,650 at 4.24%$67.07
13,650 at 4.25%$67.15
13,650 at 4.26%$67.23
13,650 at 4.27%$67.31
13,650 at 4.28%$67.39
13,650 at 4.29%$67.47
13,650 at 4.3%$67.55
13,650 at 4.31%$67.63
13,650 at 4.32%$67.71
13,650 at 4.33%$67.79
13,650 at 4.34%$67.87
13,650 at 4.35%$67.95
13,650 at 4.36%$68.03
13,650 at 4.37%$68.11
13,650 at 4.38%$68.19
13,650 at 4.39%$68.27
13,650 at 4.4%$68.35
13,650 at 4.41%$68.43
13,650 at 4.42%$68.52
13,650 at 4.43%$68.60
13,650 at 4.44%$68.68
13,650 at 4.45%$68.76
13,650 at 4.46%$68.84
13,650 at 4.47%$68.92
13,650 at 4.48%$69.00
13,650 at 4.49%$69.08
13,650 at 4.5%$69.16
13,650 at 4.51%$69.24
13,650 at 4.52%$69.32
13,650 at 4.53%$69.41
13,650 at 4.54%$69.49
13,650 at 4.55%$69.57
13,650 at 4.56%$69.65
13,650 at 4.57%$69.73
13,650 at 4.58%$69.81
13,650 at 4.59%$69.89
13,650 at 4.6%$69.98
13,650 at 4.61%$70.06
13,650 at 4.62%$70.14
13,650 at 4.63%$70.22
13,650 at 4.64%$70.30
13,650 at 4.65%$70.38
13,650 at 4.66%$70.47
13,650 at 4.67%$70.55
13,650 at 4.68%$70.63
13,650 at 4.69%$70.71
13,650 at 4.7%$70.79
13,650 at 4.71%$70.88
13,650 at 4.72%$70.96
13,650 at 4.73%$71.04
13,650 at 4.74%$71.12
13,650 at 4.75%$71.20
13,650 at 4.76%$71.29
13,650 at 4.77%$71.37
13,650 at 4.78%$71.45
13,650 at 4.79%$71.53
13,650 at 4.8%$71.62
13,650 at 4.81%$71.70
13,650 at 4.82%$71.78
13,650 at 4.83%$71.86
13,650 at 4.84%$71.95
13,650 at 4.85%$72.03
13,650 at 4.86%$72.11
13,650 at 4.87%$72.20
13,650 at 4.88%$72.28
13,650 at 4.89%$72.36
13,650 at 4.9%$72.44
13,650 at 4.91%$72.53
13,650 at 4.92%$72.61
13,650 at 4.93%$72.69
13,650 at 4.94%$72.78
13,650 at 4.95%$72.86
13,650 at 4.96%$72.94
13,650 at 4.97%$73.03
13,650 at 4.98%$73.11
13,650 at 4.99%$73.19
13,650 at 5%$73.28
Interest Rate 30 Year
13,650 at 5.01%$73.36
13,650 at 5.02%$73.44
13,650 at 5.03%$73.53
13,650 at 5.04%$73.61
13,650 at 5.05%$73.69
13,650 at 5.06%$73.78
13,650 at 5.07%$73.86
13,650 at 5.08%$73.94
13,650 at 5.09%$74.03
13,650 at 5.1%$74.11
13,650 at 5.11%$74.20
13,650 at 5.12%$74.28
13,650 at 5.13%$74.36
13,650 at 5.14%$74.45
13,650 at 5.15%$74.53
13,650 at 5.16%$74.62
13,650 at 5.17%$74.70
13,650 at 5.18%$74.79
13,650 at 5.19%$74.87
13,650 at 5.2%$74.95
13,650 at 5.21%$75.04
13,650 at 5.22%$75.12
13,650 at 5.23%$75.21
13,650 at 5.24%$75.29
13,650 at 5.25%$75.38
13,650 at 5.26%$75.46
13,650 at 5.27%$75.54
13,650 at 5.28%$75.63
13,650 at 5.29%$75.71
13,650 at 5.3%$75.80
13,650 at 5.31%$75.88
13,650 at 5.32%$75.97
13,650 at 5.33%$76.05
13,650 at 5.34%$76.14
13,650 at 5.35%$76.22
13,650 at 5.36%$76.31
13,650 at 5.37%$76.39
13,650 at 5.38%$76.48
13,650 at 5.39%$76.56
13,650 at 5.4%$76.65
13,650 at 5.41%$76.73
13,650 at 5.42%$76.82
13,650 at 5.43%$76.90
13,650 at 5.44%$76.99
13,650 at 5.45%$77.08
13,650 at 5.46%$77.16
13,650 at 5.47%$77.25
13,650 at 5.48%$77.33
13,650 at 5.49%$77.42
13,650 at 5.5%$77.50
13,650 at 5.51%$77.59
13,650 at 5.52%$77.67
13,650 at 5.53%$77.76
13,650 at 5.54%$77.85
13,650 at 5.55%$77.93
13,650 at 5.56%$78.02
13,650 at 5.57%$78.10
13,650 at 5.58%$78.19
13,650 at 5.59%$78.28
13,650 at 5.6%$78.36
13,650 at 5.61%$78.45
13,650 at 5.62%$78.53
13,650 at 5.63%$78.62
13,650 at 5.64%$78.71
13,650 at 5.65%$78.79
13,650 at 5.66%$78.88
13,650 at 5.67%$78.97
13,650 at 5.68%$79.05
13,650 at 5.69%$79.14
13,650 at 5.7%$79.22
13,650 at 5.71%$79.31
13,650 at 5.72%$79.40
13,650 at 5.73%$79.48
13,650 at 5.74%$79.57
13,650 at 5.75%$79.66
13,650 at 5.76%$79.74
13,650 at 5.77%$79.83
13,650 at 5.78%$79.92
13,650 at 5.79%$80.00
13,650 at 5.8%$80.09
13,650 at 5.81%$80.18
13,650 at 5.82%$80.27
13,650 at 5.83%$80.35
13,650 at 5.84%$80.44
13,650 at 5.85%$80.53
13,650 at 5.86%$80.61
13,650 at 5.87%$80.70
13,650 at 5.88%$80.79
13,650 at 5.89%$80.88
13,650 at 5.9%$80.96
13,650 at 5.91%$81.05
13,650 at 5.92%$81.14
13,650 at 5.93%$81.23
13,650 at 5.94%$81.31
13,650 at 5.95%$81.40
13,650 at 5.96%$81.49
13,650 at 5.97%$81.58
13,650 at 5.98%$81.66
13,650 at 5.99%$81.75
13,650 at 6%$81.84
13,650 at 6.01%$81.93
13,650 at 6.02%$82.01
13,650 at 6.03%$82.10
13,650 at 6.04%$82.19
13,650 at 6.05%$82.28
13,650 at 6.06%$82.37
13,650 at 6.07%$82.45
13,650 at 6.08%$82.54
13,650 at 6.09%$82.63
13,650 at 6.1%$82.72
13,650 at 6.11%$82.81
13,650 at 6.12%$82.89
13,650 at 6.13%$82.98
13,650 at 6.14%$83.07
13,650 at 6.15%$83.16
13,650 at 6.16%$83.25
13,650 at 6.17%$83.34
13,650 at 6.18%$83.42
13,650 at 6.19%$83.51
13,650 at 6.2%$83.60
13,650 at 6.21%$83.69
13,650 at 6.22%$83.78
13,650 at 6.23%$83.87
13,650 at 6.24%$83.96
13,650 at 6.25%$84.05
13,650 at 6.26%$84.13
13,650 at 6.27%$84.22
13,650 at 6.28%$84.31
13,650 at 6.29%$84.40
13,650 at 6.3%$84.49
13,650 at 6.31%$84.58
13,650 at 6.32%$84.67
13,650 at 6.33%$84.76
13,650 at 6.34%$84.85
13,650 at 6.35%$84.94
13,650 at 6.36%$85.02
13,650 at 6.37%$85.11
13,650 at 6.38%$85.20
13,650 at 6.39%$85.29
13,650 at 6.4%$85.38
13,650 at 6.41%$85.47
13,650 at 6.42%$85.56
13,650 at 6.43%$85.65
13,650 at 6.44%$85.74
13,650 at 6.45%$85.83
13,650 at 6.46%$85.92
13,650 at 6.47%$86.01
13,650 at 6.48%$86.10
13,650 at 6.49%$86.19
13,650 at 6.5%$86.28
Interest Rate 30 Year
13,650 at 6.51%$86.37
13,650 at 6.52%$86.46
13,650 at 6.53%$86.55
13,650 at 6.54%$86.64
13,650 at 6.55%$86.73
13,650 at 6.56%$86.82
13,650 at 6.57%$86.91
13,650 at 6.58%$87.00
13,650 at 6.59%$87.09
13,650 at 6.6%$87.18
13,650 at 6.61%$87.27
13,650 at 6.62%$87.36
13,650 at 6.63%$87.45
13,650 at 6.64%$87.54
13,650 at 6.65%$87.63
13,650 at 6.66%$87.72
13,650 at 6.67%$87.81
13,650 at 6.68%$87.90
13,650 at 6.69%$87.99
13,650 at 6.7%$88.08
13,650 at 6.71%$88.17
13,650 at 6.72%$88.26
13,650 at 6.73%$88.35
13,650 at 6.74%$88.44
13,650 at 6.75%$88.53
13,650 at 6.76%$88.62
13,650 at 6.77%$88.72
13,650 at 6.78%$88.81
13,650 at 6.79%$88.90
13,650 at 6.8%$88.99
13,650 at 6.81%$89.08
13,650 at 6.82%$89.17
13,650 at 6.83%$89.26
13,650 at 6.84%$89.35
13,650 at 6.85%$89.44
13,650 at 6.86%$89.53
13,650 at 6.87%$89.63
13,650 at 6.88%$89.72
13,650 at 6.89%$89.81
13,650 at 6.9%$89.90
13,650 at 6.91%$89.99
13,650 at 6.92%$90.08
13,650 at 6.93%$90.17
13,650 at 6.94%$90.26
13,650 at 6.95%$90.36
13,650 at 6.96%$90.45
13,650 at 6.97%$90.54
13,650 at 6.98%$90.63
13,650 at 6.99%$90.72
13,650 at 7%$90.81
13,650 at 7.01%$90.91
13,650 at 7.02%$91.00
13,650 at 7.03%$91.09
13,650 at 7.04%$91.18
13,650 at 7.05%$91.27
13,650 at 7.06%$91.36
13,650 at 7.07%$91.46
13,650 at 7.08%$91.55
13,650 at 7.09%$91.64
13,650 at 7.1%$91.73
13,650 at 7.11%$91.82
13,650 at 7.12%$91.92
13,650 at 7.13%$92.01
13,650 at 7.14%$92.10
13,650 at 7.15%$92.19
13,650 at 7.16%$92.29
13,650 at 7.17%$92.38
13,650 at 7.18%$92.47
13,650 at 7.19%$92.56
13,650 at 7.2%$92.65
13,650 at 7.21%$92.75
13,650 at 7.22%$92.84
13,650 at 7.23%$92.93
13,650 at 7.24%$93.02
13,650 at 7.25%$93.12
13,650 at 7.26%$93.21
13,650 at 7.27%$93.30
13,650 at 7.28%$93.39
13,650 at 7.29%$93.49
13,650 at 7.3%$93.58
13,650 at 7.31%$93.67
13,650 at 7.32%$93.77
13,650 at 7.33%$93.86
13,650 at 7.34%$93.95
13,650 at 7.35%$94.04
13,650 at 7.36%$94.14
13,650 at 7.37%$94.23
13,650 at 7.38%$94.32
13,650 at 7.39%$94.42
13,650 at 7.4%$94.51
13,650 at 7.41%$94.60
13,650 at 7.42%$94.70
13,650 at 7.43%$94.79
13,650 at 7.44%$94.88
13,650 at 7.45%$94.98
13,650 at 7.46%$95.07
13,650 at 7.47%$95.16
13,650 at 7.48%$95.26
13,650 at 7.49%$95.35
13,650 at 7.5%$95.44
13,650 at 7.51%$95.54
13,650 at 7.52%$95.63
13,650 at 7.53%$95.72
13,650 at 7.54%$95.82
13,650 at 7.55%$95.91
13,650 at 7.56%$96.00
13,650 at 7.57%$96.10
13,650 at 7.58%$96.19
13,650 at 7.59%$96.29
13,650 at 7.6%$96.38
13,650 at 7.61%$96.47
13,650 at 7.62%$96.57
13,650 at 7.63%$96.66
13,650 at 7.64%$96.75
13,650 at 7.65%$96.85
13,650 at 7.66%$96.94
13,650 at 7.67%$97.04
13,650 at 7.68%$97.13
13,650 at 7.69%$97.22
13,650 at 7.7%$97.32
13,650 at 7.71%$97.41
13,650 at 7.72%$97.51
13,650 at 7.73%$97.60
13,650 at 7.74%$97.70
13,650 at 7.75%$97.79
13,650 at 7.76%$97.88
13,650 at 7.77%$97.98
13,650 at 7.78%$98.07
13,650 at 7.79%$98.17
13,650 at 7.8%$98.26
13,650 at 7.81%$98.36
13,650 at 7.82%$98.45
13,650 at 7.83%$98.55
13,650 at 7.84%$98.64
13,650 at 7.85%$98.74
13,650 at 7.86%$98.83
13,650 at 7.87%$98.92
13,650 at 7.88%$99.02
13,650 at 7.89%$99.11
13,650 at 7.9%$99.21
13,650 at 7.91%$99.30
13,650 at 7.92%$99.40
13,650 at 7.93%$99.49
13,650 at 7.94%$99.59
13,650 at 7.95%$99.68
13,650 at 7.96%$99.78
13,650 at 7.97%$99.87
13,650 at 7.98%$99.97
13,650 at 7.99%$100.06
13,650 at 8%$100.16
More Amounts
What is the down payment for a $13,650 house? How much do you need to put down?
Percent Down Down Payment
1%137
2%273
3%410
4%546
5%683
6%819
7%956
8%1,092
9%1,229
10%1,365
11%1,502
12%1,638
13%1,775
14%1,911
15%2,048
16%2,184
17%2,321
18%2,457
19%2,594
20%2,730
Percent Down Down Payment
21%2,867
22%3,003
23%3,140
24%3,276
25%3,413
26%3,549
27%3,686
28%3,822
29%3,959
30%4,095
31%4,232
32%4,368
33%4,505
34%4,641
35%4,778
36%4,914
37%5,051
38%5,187
39%5,324
40%5,460
Percent Down Down Payment
41%5,597
42%5,733
43%5,870
44%6,006
45%6,143
46%6,279
47%6,416
48%6,552
49%6,689
50%6,825
51%6,962
52%7,098
53%7,235
54%7,371
55%7,508
56%7,644
57%7,781
58%7,917
59%8,054
60%8,190
Percent Down Down Payment
61%8,327
62%8,463
63%8,600
64%8,736
65%8,873
66%9,009
67%9,146
68%9,282
69%9,419
70%9,555
71%9,692
72%9,828
73%9,965
74%10,101
75%10,238
76%10,374
77%10,511
78%10,647
79%10,784
80%10,920
Percent Down Down Payment
81%11,057
82%11,193
83%11,330
84%11,466
85%11,603
86%11,739
87%11,876
88%12,012
89%12,149
90%12,285
91%12,422
92%12,558
93%12,695
94%12,831
95%12,968
96%13,104
97%13,241
98%13,377
99%13,514
100%13,650
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.