$14,100 Mortgage for 30 Years

What is the monthly payment of a 14,100 dollar loan?
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Loan Tables for a $14,100 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 $14,100 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
14,100 at 2.01%$52.19
14,100 at 2.02%$52.26
14,100 at 2.03%$52.33
14,100 at 2.04%$52.40
14,100 at 2.05%$52.47
14,100 at 2.06%$52.54
14,100 at 2.07%$52.61
14,100 at 2.08%$52.68
14,100 at 2.09%$52.75
14,100 at 2.1%$52.82
14,100 at 2.11%$52.90
14,100 at 2.12%$52.97
14,100 at 2.13%$53.04
14,100 at 2.14%$53.11
14,100 at 2.15%$53.18
14,100 at 2.16%$53.25
14,100 at 2.17%$53.32
14,100 at 2.18%$53.39
14,100 at 2.19%$53.47
14,100 at 2.2%$53.54
14,100 at 2.21%$53.61
14,100 at 2.22%$53.68
14,100 at 2.23%$53.75
14,100 at 2.24%$53.82
14,100 at 2.25%$53.90
14,100 at 2.26%$53.97
14,100 at 2.27%$54.04
14,100 at 2.28%$54.11
14,100 at 2.29%$54.18
14,100 at 2.3%$54.26
14,100 at 2.31%$54.33
14,100 at 2.32%$54.40
14,100 at 2.33%$54.47
14,100 at 2.34%$54.55
14,100 at 2.35%$54.62
14,100 at 2.36%$54.69
14,100 at 2.37%$54.76
14,100 at 2.38%$54.84
14,100 at 2.39%$54.91
14,100 at 2.4%$54.98
14,100 at 2.41%$55.05
14,100 at 2.42%$55.13
14,100 at 2.43%$55.20
14,100 at 2.44%$55.27
14,100 at 2.45%$55.35
14,100 at 2.46%$55.42
14,100 at 2.47%$55.49
14,100 at 2.48%$55.57
14,100 at 2.49%$55.64
14,100 at 2.5%$55.71
14,100 at 2.51%$55.79
14,100 at 2.52%$55.86
14,100 at 2.53%$55.93
14,100 at 2.54%$56.01
14,100 at 2.55%$56.08
14,100 at 2.56%$56.15
14,100 at 2.57%$56.23
14,100 at 2.58%$56.30
14,100 at 2.59%$56.37
14,100 at 2.6%$56.45
14,100 at 2.61%$56.52
14,100 at 2.62%$56.60
14,100 at 2.63%$56.67
14,100 at 2.64%$56.74
14,100 at 2.65%$56.82
14,100 at 2.66%$56.89
14,100 at 2.67%$56.97
14,100 at 2.68%$57.04
14,100 at 2.69%$57.11
14,100 at 2.7%$57.19
14,100 at 2.71%$57.26
14,100 at 2.72%$57.34
14,100 at 2.73%$57.41
14,100 at 2.74%$57.49
14,100 at 2.75%$57.56
14,100 at 2.76%$57.64
14,100 at 2.77%$57.71
14,100 at 2.78%$57.79
14,100 at 2.79%$57.86
14,100 at 2.8%$57.94
14,100 at 2.81%$58.01
14,100 at 2.82%$58.09
14,100 at 2.83%$58.16
14,100 at 2.84%$58.24
14,100 at 2.85%$58.31
14,100 at 2.86%$58.39
14,100 at 2.87%$58.46
14,100 at 2.88%$58.54
14,100 at 2.89%$58.61
14,100 at 2.9%$58.69
14,100 at 2.91%$58.76
14,100 at 2.92%$58.84
14,100 at 2.93%$58.92
14,100 at 2.94%$58.99
14,100 at 2.95%$59.07
14,100 at 2.96%$59.14
14,100 at 2.97%$59.22
14,100 at 2.98%$59.29
14,100 at 2.99%$59.37
14,100 at 3%$59.45
14,100 at 3.01%$59.52
14,100 at 3.02%$59.60
14,100 at 3.03%$59.67
14,100 at 3.04%$59.75
14,100 at 3.05%$59.83
14,100 at 3.06%$59.90
14,100 at 3.07%$59.98
14,100 at 3.08%$60.06
14,100 at 3.09%$60.13
14,100 at 3.1%$60.21
14,100 at 3.11%$60.29
14,100 at 3.12%$60.36
14,100 at 3.13%$60.44
14,100 at 3.14%$60.52
14,100 at 3.15%$60.59
14,100 at 3.16%$60.67
14,100 at 3.17%$60.75
14,100 at 3.18%$60.82
14,100 at 3.19%$60.90
14,100 at 3.2%$60.98
14,100 at 3.21%$61.05
14,100 at 3.22%$61.13
14,100 at 3.23%$61.21
14,100 at 3.24%$61.29
14,100 at 3.25%$61.36
14,100 at 3.26%$61.44
14,100 at 3.27%$61.52
14,100 at 3.28%$61.60
14,100 at 3.29%$61.67
14,100 at 3.3%$61.75
14,100 at 3.31%$61.83
14,100 at 3.32%$61.91
14,100 at 3.33%$61.98
14,100 at 3.34%$62.06
14,100 at 3.35%$62.14
14,100 at 3.36%$62.22
14,100 at 3.37%$62.30
14,100 at 3.38%$62.37
14,100 at 3.39%$62.45
14,100 at 3.4%$62.53
14,100 at 3.41%$62.61
14,100 at 3.42%$62.69
14,100 at 3.43%$62.77
14,100 at 3.44%$62.84
14,100 at 3.45%$62.92
14,100 at 3.46%$63.00
14,100 at 3.47%$63.08
14,100 at 3.48%$63.16
14,100 at 3.49%$63.24
14,100 at 3.5%$63.32
Interest Rate 30 Year
14,100 at 3.51%$63.39
14,100 at 3.52%$63.47
14,100 at 3.53%$63.55
14,100 at 3.54%$63.63
14,100 at 3.55%$63.71
14,100 at 3.56%$63.79
14,100 at 3.57%$63.87
14,100 at 3.58%$63.95
14,100 at 3.59%$64.03
14,100 at 3.6%$64.10
14,100 at 3.61%$64.18
14,100 at 3.62%$64.26
14,100 at 3.63%$64.34
14,100 at 3.64%$64.42
14,100 at 3.65%$64.50
14,100 at 3.66%$64.58
14,100 at 3.67%$64.66
14,100 at 3.68%$64.74
14,100 at 3.69%$64.82
14,100 at 3.7%$64.90
14,100 at 3.71%$64.98
14,100 at 3.72%$65.06
14,100 at 3.73%$65.14
14,100 at 3.74%$65.22
14,100 at 3.75%$65.30
14,100 at 3.76%$65.38
14,100 at 3.77%$65.46
14,100 at 3.78%$65.54
14,100 at 3.79%$65.62
14,100 at 3.8%$65.70
14,100 at 3.81%$65.78
14,100 at 3.82%$65.86
14,100 at 3.83%$65.94
14,100 at 3.84%$66.02
14,100 at 3.85%$66.10
14,100 at 3.86%$66.18
14,100 at 3.87%$66.26
14,100 at 3.88%$66.34
14,100 at 3.89%$66.42
14,100 at 3.9%$66.51
14,100 at 3.91%$66.59
14,100 at 3.92%$66.67
14,100 at 3.93%$66.75
14,100 at 3.94%$66.83
14,100 at 3.95%$66.91
14,100 at 3.96%$66.99
14,100 at 3.97%$67.07
14,100 at 3.98%$67.15
14,100 at 3.99%$67.23
14,100 at 4%$67.32
14,100 at 4.01%$67.40
14,100 at 4.02%$67.48
14,100 at 4.03%$67.56
14,100 at 4.04%$67.64
14,100 at 4.05%$67.72
14,100 at 4.06%$67.80
14,100 at 4.07%$67.89
14,100 at 4.08%$67.97
14,100 at 4.09%$68.05
14,100 at 4.1%$68.13
14,100 at 4.11%$68.21
14,100 at 4.12%$68.29
14,100 at 4.13%$68.38
14,100 at 4.14%$68.46
14,100 at 4.15%$68.54
14,100 at 4.16%$68.62
14,100 at 4.17%$68.70
14,100 at 4.18%$68.79
14,100 at 4.19%$68.87
14,100 at 4.2%$68.95
14,100 at 4.21%$69.03
14,100 at 4.22%$69.12
14,100 at 4.23%$69.20
14,100 at 4.24%$69.28
14,100 at 4.25%$69.36
14,100 at 4.26%$69.45
14,100 at 4.27%$69.53
14,100 at 4.28%$69.61
14,100 at 4.29%$69.69
14,100 at 4.3%$69.78
14,100 at 4.31%$69.86
14,100 at 4.32%$69.94
14,100 at 4.33%$70.03
14,100 at 4.34%$70.11
14,100 at 4.35%$70.19
14,100 at 4.36%$70.27
14,100 at 4.37%$70.36
14,100 at 4.38%$70.44
14,100 at 4.39%$70.52
14,100 at 4.4%$70.61
14,100 at 4.41%$70.69
14,100 at 4.42%$70.77
14,100 at 4.43%$70.86
14,100 at 4.44%$70.94
14,100 at 4.45%$71.02
14,100 at 4.46%$71.11
14,100 at 4.47%$71.19
14,100 at 4.48%$71.28
14,100 at 4.49%$71.36
14,100 at 4.5%$71.44
14,100 at 4.51%$71.53
14,100 at 4.52%$71.61
14,100 at 4.53%$71.69
14,100 at 4.54%$71.78
14,100 at 4.55%$71.86
14,100 at 4.56%$71.95
14,100 at 4.57%$72.03
14,100 at 4.58%$72.11
14,100 at 4.59%$72.20
14,100 at 4.6%$72.28
14,100 at 4.61%$72.37
14,100 at 4.62%$72.45
14,100 at 4.63%$72.54
14,100 at 4.64%$72.62
14,100 at 4.65%$72.70
14,100 at 4.66%$72.79
14,100 at 4.67%$72.87
14,100 at 4.68%$72.96
14,100 at 4.69%$73.04
14,100 at 4.7%$73.13
14,100 at 4.71%$73.21
14,100 at 4.72%$73.30
14,100 at 4.73%$73.38
14,100 at 4.74%$73.47
14,100 at 4.75%$73.55
14,100 at 4.76%$73.64
14,100 at 4.77%$73.72
14,100 at 4.78%$73.81
14,100 at 4.79%$73.89
14,100 at 4.8%$73.98
14,100 at 4.81%$74.06
14,100 at 4.82%$74.15
14,100 at 4.83%$74.23
14,100 at 4.84%$74.32
14,100 at 4.85%$74.40
14,100 at 4.86%$74.49
14,100 at 4.87%$74.58
14,100 at 4.88%$74.66
14,100 at 4.89%$74.75
14,100 at 4.9%$74.83
14,100 at 4.91%$74.92
14,100 at 4.92%$75.00
14,100 at 4.93%$75.09
14,100 at 4.94%$75.18
14,100 at 4.95%$75.26
14,100 at 4.96%$75.35
14,100 at 4.97%$75.43
14,100 at 4.98%$75.52
14,100 at 4.99%$75.61
14,100 at 5%$75.69
Interest Rate 30 Year
14,100 at 5.01%$75.78
14,100 at 5.02%$75.86
14,100 at 5.03%$75.95
14,100 at 5.04%$76.04
14,100 at 5.05%$76.12
14,100 at 5.06%$76.21
14,100 at 5.07%$76.30
14,100 at 5.08%$76.38
14,100 at 5.09%$76.47
14,100 at 5.1%$76.56
14,100 at 5.11%$76.64
14,100 at 5.12%$76.73
14,100 at 5.13%$76.82
14,100 at 5.14%$76.90
14,100 at 5.15%$76.99
14,100 at 5.16%$77.08
14,100 at 5.17%$77.16
14,100 at 5.18%$77.25
14,100 at 5.19%$77.34
14,100 at 5.2%$77.42
14,100 at 5.21%$77.51
14,100 at 5.22%$77.60
14,100 at 5.23%$77.69
14,100 at 5.24%$77.77
14,100 at 5.25%$77.86
14,100 at 5.26%$77.95
14,100 at 5.27%$78.04
14,100 at 5.28%$78.12
14,100 at 5.29%$78.21
14,100 at 5.3%$78.30
14,100 at 5.31%$78.39
14,100 at 5.32%$78.47
14,100 at 5.33%$78.56
14,100 at 5.34%$78.65
14,100 at 5.35%$78.74
14,100 at 5.36%$78.82
14,100 at 5.37%$78.91
14,100 at 5.38%$79.00
14,100 at 5.39%$79.09
14,100 at 5.4%$79.18
14,100 at 5.41%$79.26
14,100 at 5.42%$79.35
14,100 at 5.43%$79.44
14,100 at 5.44%$79.53
14,100 at 5.45%$79.62
14,100 at 5.46%$79.70
14,100 at 5.47%$79.79
14,100 at 5.48%$79.88
14,100 at 5.49%$79.97
14,100 at 5.5%$80.06
14,100 at 5.51%$80.15
14,100 at 5.52%$80.24
14,100 at 5.53%$80.32
14,100 at 5.54%$80.41
14,100 at 5.55%$80.50
14,100 at 5.56%$80.59
14,100 at 5.57%$80.68
14,100 at 5.58%$80.77
14,100 at 5.59%$80.86
14,100 at 5.6%$80.95
14,100 at 5.61%$81.03
14,100 at 5.62%$81.12
14,100 at 5.63%$81.21
14,100 at 5.64%$81.30
14,100 at 5.65%$81.39
14,100 at 5.66%$81.48
14,100 at 5.67%$81.57
14,100 at 5.68%$81.66
14,100 at 5.69%$81.75
14,100 at 5.7%$81.84
14,100 at 5.71%$81.93
14,100 at 5.72%$82.02
14,100 at 5.73%$82.10
14,100 at 5.74%$82.19
14,100 at 5.75%$82.28
14,100 at 5.76%$82.37
14,100 at 5.77%$82.46
14,100 at 5.78%$82.55
14,100 at 5.79%$82.64
14,100 at 5.8%$82.73
14,100 at 5.81%$82.82
14,100 at 5.82%$82.91
14,100 at 5.83%$83.00
14,100 at 5.84%$83.09
14,100 at 5.85%$83.18
14,100 at 5.86%$83.27
14,100 at 5.87%$83.36
14,100 at 5.88%$83.45
14,100 at 5.89%$83.54
14,100 at 5.9%$83.63
14,100 at 5.91%$83.72
14,100 at 5.92%$83.81
14,100 at 5.93%$83.90
14,100 at 5.94%$83.99
14,100 at 5.95%$84.08
14,100 at 5.96%$84.17
14,100 at 5.97%$84.26
14,100 at 5.98%$84.36
14,100 at 5.99%$84.45
14,100 at 6%$84.54
14,100 at 6.01%$84.63
14,100 at 6.02%$84.72
14,100 at 6.03%$84.81
14,100 at 6.04%$84.90
14,100 at 6.05%$84.99
14,100 at 6.06%$85.08
14,100 at 6.07%$85.17
14,100 at 6.08%$85.26
14,100 at 6.09%$85.35
14,100 at 6.1%$85.45
14,100 at 6.11%$85.54
14,100 at 6.12%$85.63
14,100 at 6.13%$85.72
14,100 at 6.14%$85.81
14,100 at 6.15%$85.90
14,100 at 6.16%$85.99
14,100 at 6.17%$86.08
14,100 at 6.18%$86.18
14,100 at 6.19%$86.27
14,100 at 6.2%$86.36
14,100 at 6.21%$86.45
14,100 at 6.22%$86.54
14,100 at 6.23%$86.63
14,100 at 6.24%$86.72
14,100 at 6.25%$86.82
14,100 at 6.26%$86.91
14,100 at 6.27%$87.00
14,100 at 6.28%$87.09
14,100 at 6.29%$87.18
14,100 at 6.3%$87.28
14,100 at 6.31%$87.37
14,100 at 6.32%$87.46
14,100 at 6.33%$87.55
14,100 at 6.34%$87.64
14,100 at 6.35%$87.74
14,100 at 6.36%$87.83
14,100 at 6.37%$87.92
14,100 at 6.38%$88.01
14,100 at 6.39%$88.10
14,100 at 6.4%$88.20
14,100 at 6.41%$88.29
14,100 at 6.42%$88.38
14,100 at 6.43%$88.47
14,100 at 6.44%$88.57
14,100 at 6.45%$88.66
14,100 at 6.46%$88.75
14,100 at 6.47%$88.84
14,100 at 6.48%$88.94
14,100 at 6.49%$89.03
14,100 at 6.5%$89.12
Interest Rate 30 Year
14,100 at 6.51%$89.21
14,100 at 6.52%$89.31
14,100 at 6.53%$89.40
14,100 at 6.54%$89.49
14,100 at 6.55%$89.59
14,100 at 6.56%$89.68
14,100 at 6.57%$89.77
14,100 at 6.58%$89.86
14,100 at 6.59%$89.96
14,100 at 6.6%$90.05
14,100 at 6.61%$90.14
14,100 at 6.62%$90.24
14,100 at 6.63%$90.33
14,100 at 6.64%$90.42
14,100 at 6.65%$90.52
14,100 at 6.66%$90.61
14,100 at 6.67%$90.70
14,100 at 6.68%$90.80
14,100 at 6.69%$90.89
14,100 at 6.7%$90.98
14,100 at 6.71%$91.08
14,100 at 6.72%$91.17
14,100 at 6.73%$91.26
14,100 at 6.74%$91.36
14,100 at 6.75%$91.45
14,100 at 6.76%$91.55
14,100 at 6.77%$91.64
14,100 at 6.78%$91.73
14,100 at 6.79%$91.83
14,100 at 6.8%$91.92
14,100 at 6.81%$92.02
14,100 at 6.82%$92.11
14,100 at 6.83%$92.20
14,100 at 6.84%$92.30
14,100 at 6.85%$92.39
14,100 at 6.86%$92.49
14,100 at 6.87%$92.58
14,100 at 6.88%$92.67
14,100 at 6.89%$92.77
14,100 at 6.9%$92.86
14,100 at 6.91%$92.96
14,100 at 6.92%$93.05
14,100 at 6.93%$93.15
14,100 at 6.94%$93.24
14,100 at 6.95%$93.33
14,100 at 6.96%$93.43
14,100 at 6.97%$93.52
14,100 at 6.98%$93.62
14,100 at 6.99%$93.71
14,100 at 7%$93.81
14,100 at 7.01%$93.90
14,100 at 7.02%$94.00
14,100 at 7.03%$94.09
14,100 at 7.04%$94.19
14,100 at 7.05%$94.28
14,100 at 7.06%$94.38
14,100 at 7.07%$94.47
14,100 at 7.08%$94.57
14,100 at 7.09%$94.66
14,100 at 7.1%$94.76
14,100 at 7.11%$94.85
14,100 at 7.12%$94.95
14,100 at 7.13%$95.04
14,100 at 7.14%$95.14
14,100 at 7.15%$95.23
14,100 at 7.16%$95.33
14,100 at 7.17%$95.42
14,100 at 7.18%$95.52
14,100 at 7.19%$95.61
14,100 at 7.2%$95.71
14,100 at 7.21%$95.80
14,100 at 7.22%$95.90
14,100 at 7.23%$96.00
14,100 at 7.24%$96.09
14,100 at 7.25%$96.19
14,100 at 7.26%$96.28
14,100 at 7.27%$96.38
14,100 at 7.28%$96.47
14,100 at 7.29%$96.57
14,100 at 7.3%$96.67
14,100 at 7.31%$96.76
14,100 at 7.32%$96.86
14,100 at 7.33%$96.95
14,100 at 7.34%$97.05
14,100 at 7.35%$97.15
14,100 at 7.36%$97.24
14,100 at 7.37%$97.34
14,100 at 7.38%$97.43
14,100 at 7.39%$97.53
14,100 at 7.4%$97.63
14,100 at 7.41%$97.72
14,100 at 7.42%$97.82
14,100 at 7.43%$97.91
14,100 at 7.44%$98.01
14,100 at 7.45%$98.11
14,100 at 7.46%$98.20
14,100 at 7.47%$98.30
14,100 at 7.48%$98.40
14,100 at 7.49%$98.49
14,100 at 7.5%$98.59
14,100 at 7.51%$98.69
14,100 at 7.52%$98.78
14,100 at 7.53%$98.88
14,100 at 7.54%$98.98
14,100 at 7.55%$99.07
14,100 at 7.56%$99.17
14,100 at 7.57%$99.27
14,100 at 7.58%$99.36
14,100 at 7.59%$99.46
14,100 at 7.6%$99.56
14,100 at 7.61%$99.65
14,100 at 7.62%$99.75
14,100 at 7.63%$99.85
14,100 at 7.64%$99.94
14,100 at 7.65%$100.04
14,100 at 7.66%$100.14
14,100 at 7.67%$100.24
14,100 at 7.68%$100.33
14,100 at 7.69%$100.43
14,100 at 7.7%$100.53
14,100 at 7.71%$100.62
14,100 at 7.72%$100.72
14,100 at 7.73%$100.82
14,100 at 7.74%$100.92
14,100 at 7.75%$101.01
14,100 at 7.76%$101.11
14,100 at 7.77%$101.21
14,100 at 7.78%$101.31
14,100 at 7.79%$101.40
14,100 at 7.8%$101.50
14,100 at 7.81%$101.60
14,100 at 7.82%$101.70
14,100 at 7.83%$101.79
14,100 at 7.84%$101.89
14,100 at 7.85%$101.99
14,100 at 7.86%$102.09
14,100 at 7.87%$102.19
14,100 at 7.88%$102.28
14,100 at 7.89%$102.38
14,100 at 7.9%$102.48
14,100 at 7.91%$102.58
14,100 at 7.92%$102.68
14,100 at 7.93%$102.77
14,100 at 7.94%$102.87
14,100 at 7.95%$102.97
14,100 at 7.96%$103.07
14,100 at 7.97%$103.17
14,100 at 7.98%$103.26
14,100 at 7.99%$103.36
14,100 at 8%$103.46
More Amounts
What is the down payment for a $14,100 house? How much do you need to put down?
Percent Down Down Payment
1%141
2%282
3%423
4%564
5%705
6%846
7%987
8%1,128
9%1,269
10%1,410
11%1,551
12%1,692
13%1,833
14%1,974
15%2,115
16%2,256
17%2,397
18%2,538
19%2,679
20%2,820
Percent Down Down Payment
21%2,961
22%3,102
23%3,243
24%3,384
25%3,525
26%3,666
27%3,807
28%3,948
29%4,089
30%4,230
31%4,371
32%4,512
33%4,653
34%4,794
35%4,935
36%5,076
37%5,217
38%5,358
39%5,499
40%5,640
Percent Down Down Payment
41%5,781
42%5,922
43%6,063
44%6,204
45%6,345
46%6,486
47%6,627
48%6,768
49%6,909
50%7,050
51%7,191
52%7,332
53%7,473
54%7,614
55%7,755
56%7,896
57%8,037
58%8,178
59%8,319
60%8,460
Percent Down Down Payment
61%8,601
62%8,742
63%8,883
64%9,024
65%9,165
66%9,306
67%9,447
68%9,588
69%9,729
70%9,870
71%10,011
72%10,152
73%10,293
74%10,434
75%10,575
76%10,716
77%10,857
78%10,998
79%11,139
80%11,280
Percent Down Down Payment
81%11,421
82%11,562
83%11,703
84%11,844
85%11,985
86%12,126
87%12,267
88%12,408
89%12,549
90%12,690
91%12,831
92%12,972
93%13,113
94%13,254
95%13,395
96%13,536
97%13,677
98%13,818
99%13,959
100%14,100
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.