$14,200 Mortgage for 30 Years

What is the monthly payment of a 14,200 dollar loan?
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Loan Tables for a $14,200 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 $14,200 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
14,200 at 2.01%$52.56
14,200 at 2.02%$52.63
14,200 at 2.03%$52.70
14,200 at 2.04%$52.77
14,200 at 2.05%$52.84
14,200 at 2.06%$52.91
14,200 at 2.07%$52.98
14,200 at 2.08%$53.06
14,200 at 2.09%$53.13
14,200 at 2.1%$53.20
14,200 at 2.11%$53.27
14,200 at 2.12%$53.34
14,200 at 2.13%$53.41
14,200 at 2.14%$53.49
14,200 at 2.15%$53.56
14,200 at 2.16%$53.63
14,200 at 2.17%$53.70
14,200 at 2.18%$53.77
14,200 at 2.19%$53.85
14,200 at 2.2%$53.92
14,200 at 2.21%$53.99
14,200 at 2.22%$54.06
14,200 at 2.23%$54.13
14,200 at 2.24%$54.21
14,200 at 2.25%$54.28
14,200 at 2.26%$54.35
14,200 at 2.27%$54.42
14,200 at 2.28%$54.50
14,200 at 2.29%$54.57
14,200 at 2.3%$54.64
14,200 at 2.31%$54.71
14,200 at 2.32%$54.79
14,200 at 2.33%$54.86
14,200 at 2.34%$54.93
14,200 at 2.35%$55.01
14,200 at 2.36%$55.08
14,200 at 2.37%$55.15
14,200 at 2.38%$55.23
14,200 at 2.39%$55.30
14,200 at 2.4%$55.37
14,200 at 2.41%$55.44
14,200 at 2.42%$55.52
14,200 at 2.43%$55.59
14,200 at 2.44%$55.67
14,200 at 2.45%$55.74
14,200 at 2.46%$55.81
14,200 at 2.47%$55.89
14,200 at 2.48%$55.96
14,200 at 2.49%$56.03
14,200 at 2.5%$56.11
14,200 at 2.51%$56.18
14,200 at 2.52%$56.25
14,200 at 2.53%$56.33
14,200 at 2.54%$56.40
14,200 at 2.55%$56.48
14,200 at 2.56%$56.55
14,200 at 2.57%$56.63
14,200 at 2.58%$56.70
14,200 at 2.59%$56.77
14,200 at 2.6%$56.85
14,200 at 2.61%$56.92
14,200 at 2.62%$57.00
14,200 at 2.63%$57.07
14,200 at 2.64%$57.15
14,200 at 2.65%$57.22
14,200 at 2.66%$57.30
14,200 at 2.67%$57.37
14,200 at 2.68%$57.45
14,200 at 2.69%$57.52
14,200 at 2.7%$57.59
14,200 at 2.71%$57.67
14,200 at 2.72%$57.74
14,200 at 2.73%$57.82
14,200 at 2.74%$57.90
14,200 at 2.75%$57.97
14,200 at 2.76%$58.05
14,200 at 2.77%$58.12
14,200 at 2.78%$58.20
14,200 at 2.79%$58.27
14,200 at 2.8%$58.35
14,200 at 2.81%$58.42
14,200 at 2.82%$58.50
14,200 at 2.83%$58.57
14,200 at 2.84%$58.65
14,200 at 2.85%$58.73
14,200 at 2.86%$58.80
14,200 at 2.87%$58.88
14,200 at 2.88%$58.95
14,200 at 2.89%$59.03
14,200 at 2.9%$59.10
14,200 at 2.91%$59.18
14,200 at 2.92%$59.26
14,200 at 2.93%$59.33
14,200 at 2.94%$59.41
14,200 at 2.95%$59.49
14,200 at 2.96%$59.56
14,200 at 2.97%$59.64
14,200 at 2.98%$59.71
14,200 at 2.99%$59.79
14,200 at 3%$59.87
14,200 at 3.01%$59.94
14,200 at 3.02%$60.02
14,200 at 3.03%$60.10
14,200 at 3.04%$60.17
14,200 at 3.05%$60.25
14,200 at 3.06%$60.33
14,200 at 3.07%$60.41
14,200 at 3.08%$60.48
14,200 at 3.09%$60.56
14,200 at 3.1%$60.64
14,200 at 3.11%$60.71
14,200 at 3.12%$60.79
14,200 at 3.13%$60.87
14,200 at 3.14%$60.95
14,200 at 3.15%$61.02
14,200 at 3.16%$61.10
14,200 at 3.17%$61.18
14,200 at 3.18%$61.26
14,200 at 3.19%$61.33
14,200 at 3.2%$61.41
14,200 at 3.21%$61.49
14,200 at 3.22%$61.57
14,200 at 3.23%$61.64
14,200 at 3.24%$61.72
14,200 at 3.25%$61.80
14,200 at 3.26%$61.88
14,200 at 3.27%$61.96
14,200 at 3.28%$62.03
14,200 at 3.29%$62.11
14,200 at 3.3%$62.19
14,200 at 3.31%$62.27
14,200 at 3.32%$62.35
14,200 at 3.33%$62.42
14,200 at 3.34%$62.50
14,200 at 3.35%$62.58
14,200 at 3.36%$62.66
14,200 at 3.37%$62.74
14,200 at 3.38%$62.82
14,200 at 3.39%$62.90
14,200 at 3.4%$62.97
14,200 at 3.41%$63.05
14,200 at 3.42%$63.13
14,200 at 3.43%$63.21
14,200 at 3.44%$63.29
14,200 at 3.45%$63.37
14,200 at 3.46%$63.45
14,200 at 3.47%$63.53
14,200 at 3.48%$63.61
14,200 at 3.49%$63.69
14,200 at 3.5%$63.76
Interest Rate 30 Year
14,200 at 3.51%$63.84
14,200 at 3.52%$63.92
14,200 at 3.53%$64.00
14,200 at 3.54%$64.08
14,200 at 3.55%$64.16
14,200 at 3.56%$64.24
14,200 at 3.57%$64.32
14,200 at 3.58%$64.40
14,200 at 3.59%$64.48
14,200 at 3.6%$64.56
14,200 at 3.61%$64.64
14,200 at 3.62%$64.72
14,200 at 3.63%$64.80
14,200 at 3.64%$64.88
14,200 at 3.65%$64.96
14,200 at 3.66%$65.04
14,200 at 3.67%$65.12
14,200 at 3.68%$65.20
14,200 at 3.69%$65.28
14,200 at 3.7%$65.36
14,200 at 3.71%$65.44
14,200 at 3.72%$65.52
14,200 at 3.73%$65.60
14,200 at 3.74%$65.68
14,200 at 3.75%$65.76
14,200 at 3.76%$65.84
14,200 at 3.77%$65.92
14,200 at 3.78%$66.00
14,200 at 3.79%$66.09
14,200 at 3.8%$66.17
14,200 at 3.81%$66.25
14,200 at 3.82%$66.33
14,200 at 3.83%$66.41
14,200 at 3.84%$66.49
14,200 at 3.85%$66.57
14,200 at 3.86%$66.65
14,200 at 3.87%$66.73
14,200 at 3.88%$66.81
14,200 at 3.89%$66.90
14,200 at 3.9%$66.98
14,200 at 3.91%$67.06
14,200 at 3.92%$67.14
14,200 at 3.93%$67.22
14,200 at 3.94%$67.30
14,200 at 3.95%$67.38
14,200 at 3.96%$67.47
14,200 at 3.97%$67.55
14,200 at 3.98%$67.63
14,200 at 3.99%$67.71
14,200 at 4%$67.79
14,200 at 4.01%$67.87
14,200 at 4.02%$67.96
14,200 at 4.03%$68.04
14,200 at 4.04%$68.12
14,200 at 4.05%$68.20
14,200 at 4.06%$68.29
14,200 at 4.07%$68.37
14,200 at 4.08%$68.45
14,200 at 4.09%$68.53
14,200 at 4.1%$68.61
14,200 at 4.11%$68.70
14,200 at 4.12%$68.78
14,200 at 4.13%$68.86
14,200 at 4.14%$68.94
14,200 at 4.15%$69.03
14,200 at 4.16%$69.11
14,200 at 4.17%$69.19
14,200 at 4.18%$69.27
14,200 at 4.19%$69.36
14,200 at 4.2%$69.44
14,200 at 4.21%$69.52
14,200 at 4.22%$69.61
14,200 at 4.23%$69.69
14,200 at 4.24%$69.77
14,200 at 4.25%$69.86
14,200 at 4.26%$69.94
14,200 at 4.27%$70.02
14,200 at 4.28%$70.11
14,200 at 4.29%$70.19
14,200 at 4.3%$70.27
14,200 at 4.31%$70.36
14,200 at 4.32%$70.44
14,200 at 4.33%$70.52
14,200 at 4.34%$70.61
14,200 at 4.35%$70.69
14,200 at 4.36%$70.77
14,200 at 4.37%$70.86
14,200 at 4.38%$70.94
14,200 at 4.39%$71.02
14,200 at 4.4%$71.11
14,200 at 4.41%$71.19
14,200 at 4.42%$71.28
14,200 at 4.43%$71.36
14,200 at 4.44%$71.44
14,200 at 4.45%$71.53
14,200 at 4.46%$71.61
14,200 at 4.47%$71.70
14,200 at 4.48%$71.78
14,200 at 4.49%$71.86
14,200 at 4.5%$71.95
14,200 at 4.51%$72.03
14,200 at 4.52%$72.12
14,200 at 4.53%$72.20
14,200 at 4.54%$72.29
14,200 at 4.55%$72.37
14,200 at 4.56%$72.46
14,200 at 4.57%$72.54
14,200 at 4.58%$72.63
14,200 at 4.59%$72.71
14,200 at 4.6%$72.80
14,200 at 4.61%$72.88
14,200 at 4.62%$72.97
14,200 at 4.63%$73.05
14,200 at 4.64%$73.14
14,200 at 4.65%$73.22
14,200 at 4.66%$73.31
14,200 at 4.67%$73.39
14,200 at 4.68%$73.48
14,200 at 4.69%$73.56
14,200 at 4.7%$73.65
14,200 at 4.71%$73.73
14,200 at 4.72%$73.82
14,200 at 4.73%$73.90
14,200 at 4.74%$73.99
14,200 at 4.75%$74.07
14,200 at 4.76%$74.16
14,200 at 4.77%$74.25
14,200 at 4.78%$74.33
14,200 at 4.79%$74.42
14,200 at 4.8%$74.50
14,200 at 4.81%$74.59
14,200 at 4.82%$74.67
14,200 at 4.83%$74.76
14,200 at 4.84%$74.85
14,200 at 4.85%$74.93
14,200 at 4.86%$75.02
14,200 at 4.87%$75.10
14,200 at 4.88%$75.19
14,200 at 4.89%$75.28
14,200 at 4.9%$75.36
14,200 at 4.91%$75.45
14,200 at 4.92%$75.54
14,200 at 4.93%$75.62
14,200 at 4.94%$75.71
14,200 at 4.95%$75.80
14,200 at 4.96%$75.88
14,200 at 4.97%$75.97
14,200 at 4.98%$76.06
14,200 at 4.99%$76.14
14,200 at 5%$76.23
Interest Rate 30 Year
14,200 at 5.01%$76.32
14,200 at 5.02%$76.40
14,200 at 5.03%$76.49
14,200 at 5.04%$76.58
14,200 at 5.05%$76.66
14,200 at 5.06%$76.75
14,200 at 5.07%$76.84
14,200 at 5.08%$76.92
14,200 at 5.09%$77.01
14,200 at 5.1%$77.10
14,200 at 5.11%$77.19
14,200 at 5.12%$77.27
14,200 at 5.13%$77.36
14,200 at 5.14%$77.45
14,200 at 5.15%$77.54
14,200 at 5.16%$77.62
14,200 at 5.17%$77.71
14,200 at 5.18%$77.80
14,200 at 5.19%$77.89
14,200 at 5.2%$77.97
14,200 at 5.21%$78.06
14,200 at 5.22%$78.15
14,200 at 5.23%$78.24
14,200 at 5.24%$78.32
14,200 at 5.25%$78.41
14,200 at 5.26%$78.50
14,200 at 5.27%$78.59
14,200 at 5.28%$78.68
14,200 at 5.29%$78.77
14,200 at 5.3%$78.85
14,200 at 5.31%$78.94
14,200 at 5.32%$79.03
14,200 at 5.33%$79.12
14,200 at 5.34%$79.21
14,200 at 5.35%$79.29
14,200 at 5.36%$79.38
14,200 at 5.37%$79.47
14,200 at 5.38%$79.56
14,200 at 5.39%$79.65
14,200 at 5.4%$79.74
14,200 at 5.41%$79.83
14,200 at 5.42%$79.91
14,200 at 5.43%$80.00
14,200 at 5.44%$80.09
14,200 at 5.45%$80.18
14,200 at 5.46%$80.27
14,200 at 5.47%$80.36
14,200 at 5.48%$80.45
14,200 at 5.49%$80.54
14,200 at 5.5%$80.63
14,200 at 5.51%$80.72
14,200 at 5.52%$80.80
14,200 at 5.53%$80.89
14,200 at 5.54%$80.98
14,200 at 5.55%$81.07
14,200 at 5.56%$81.16
14,200 at 5.57%$81.25
14,200 at 5.58%$81.34
14,200 at 5.59%$81.43
14,200 at 5.6%$81.52
14,200 at 5.61%$81.61
14,200 at 5.62%$81.70
14,200 at 5.63%$81.79
14,200 at 5.64%$81.88
14,200 at 5.65%$81.97
14,200 at 5.66%$82.06
14,200 at 5.67%$82.15
14,200 at 5.68%$82.24
14,200 at 5.69%$82.33
14,200 at 5.7%$82.42
14,200 at 5.71%$82.51
14,200 at 5.72%$82.60
14,200 at 5.73%$82.69
14,200 at 5.74%$82.78
14,200 at 5.75%$82.87
14,200 at 5.76%$82.96
14,200 at 5.77%$83.05
14,200 at 5.78%$83.14
14,200 at 5.79%$83.23
14,200 at 5.8%$83.32
14,200 at 5.81%$83.41
14,200 at 5.82%$83.50
14,200 at 5.83%$83.59
14,200 at 5.84%$83.68
14,200 at 5.85%$83.77
14,200 at 5.86%$83.86
14,200 at 5.87%$83.95
14,200 at 5.88%$84.04
14,200 at 5.89%$84.13
14,200 at 5.9%$84.23
14,200 at 5.91%$84.32
14,200 at 5.92%$84.41
14,200 at 5.93%$84.50
14,200 at 5.94%$84.59
14,200 at 5.95%$84.68
14,200 at 5.96%$84.77
14,200 at 5.97%$84.86
14,200 at 5.98%$84.95
14,200 at 5.99%$85.04
14,200 at 6%$85.14
14,200 at 6.01%$85.23
14,200 at 6.02%$85.32
14,200 at 6.03%$85.41
14,200 at 6.04%$85.50
14,200 at 6.05%$85.59
14,200 at 6.06%$85.68
14,200 at 6.07%$85.78
14,200 at 6.08%$85.87
14,200 at 6.09%$85.96
14,200 at 6.1%$86.05
14,200 at 6.11%$86.14
14,200 at 6.12%$86.23
14,200 at 6.13%$86.33
14,200 at 6.14%$86.42
14,200 at 6.15%$86.51
14,200 at 6.16%$86.60
14,200 at 6.17%$86.69
14,200 at 6.18%$86.79
14,200 at 6.19%$86.88
14,200 at 6.2%$86.97
14,200 at 6.21%$87.06
14,200 at 6.22%$87.15
14,200 at 6.23%$87.25
14,200 at 6.24%$87.34
14,200 at 6.25%$87.43
14,200 at 6.26%$87.52
14,200 at 6.27%$87.62
14,200 at 6.28%$87.71
14,200 at 6.29%$87.80
14,200 at 6.3%$87.89
14,200 at 6.31%$87.99
14,200 at 6.32%$88.08
14,200 at 6.33%$88.17
14,200 at 6.34%$88.26
14,200 at 6.35%$88.36
14,200 at 6.36%$88.45
14,200 at 6.37%$88.54
14,200 at 6.38%$88.64
14,200 at 6.39%$88.73
14,200 at 6.4%$88.82
14,200 at 6.41%$88.91
14,200 at 6.42%$89.01
14,200 at 6.43%$89.10
14,200 at 6.44%$89.19
14,200 at 6.45%$89.29
14,200 at 6.46%$89.38
14,200 at 6.47%$89.47
14,200 at 6.48%$89.57
14,200 at 6.49%$89.66
14,200 at 6.5%$89.75
Interest Rate 30 Year
14,200 at 6.51%$89.85
14,200 at 6.52%$89.94
14,200 at 6.53%$90.03
14,200 at 6.54%$90.13
14,200 at 6.55%$90.22
14,200 at 6.56%$90.31
14,200 at 6.57%$90.41
14,200 at 6.58%$90.50
14,200 at 6.59%$90.60
14,200 at 6.6%$90.69
14,200 at 6.61%$90.78
14,200 at 6.62%$90.88
14,200 at 6.63%$90.97
14,200 at 6.64%$91.07
14,200 at 6.65%$91.16
14,200 at 6.66%$91.25
14,200 at 6.67%$91.35
14,200 at 6.68%$91.44
14,200 at 6.69%$91.54
14,200 at 6.7%$91.63
14,200 at 6.71%$91.72
14,200 at 6.72%$91.82
14,200 at 6.73%$91.91
14,200 at 6.74%$92.01
14,200 at 6.75%$92.10
14,200 at 6.76%$92.20
14,200 at 6.77%$92.29
14,200 at 6.78%$92.38
14,200 at 6.79%$92.48
14,200 at 6.8%$92.57
14,200 at 6.81%$92.67
14,200 at 6.82%$92.76
14,200 at 6.83%$92.86
14,200 at 6.84%$92.95
14,200 at 6.85%$93.05
14,200 at 6.86%$93.14
14,200 at 6.87%$93.24
14,200 at 6.88%$93.33
14,200 at 6.89%$93.43
14,200 at 6.9%$93.52
14,200 at 6.91%$93.62
14,200 at 6.92%$93.71
14,200 at 6.93%$93.81
14,200 at 6.94%$93.90
14,200 at 6.95%$94.00
14,200 at 6.96%$94.09
14,200 at 6.97%$94.19
14,200 at 6.98%$94.28
14,200 at 6.99%$94.38
14,200 at 7%$94.47
14,200 at 7.01%$94.57
14,200 at 7.02%$94.66
14,200 at 7.03%$94.76
14,200 at 7.04%$94.85
14,200 at 7.05%$94.95
14,200 at 7.06%$95.05
14,200 at 7.07%$95.14
14,200 at 7.08%$95.24
14,200 at 7.09%$95.33
14,200 at 7.1%$95.43
14,200 at 7.11%$95.52
14,200 at 7.12%$95.62
14,200 at 7.13%$95.72
14,200 at 7.14%$95.81
14,200 at 7.15%$95.91
14,200 at 7.16%$96.00
14,200 at 7.17%$96.10
14,200 at 7.18%$96.20
14,200 at 7.19%$96.29
14,200 at 7.2%$96.39
14,200 at 7.21%$96.48
14,200 at 7.22%$96.58
14,200 at 7.23%$96.68
14,200 at 7.24%$96.77
14,200 at 7.25%$96.87
14,200 at 7.26%$96.97
14,200 at 7.27%$97.06
14,200 at 7.28%$97.16
14,200 at 7.29%$97.25
14,200 at 7.3%$97.35
14,200 at 7.31%$97.45
14,200 at 7.32%$97.54
14,200 at 7.33%$97.64
14,200 at 7.34%$97.74
14,200 at 7.35%$97.83
14,200 at 7.36%$97.93
14,200 at 7.37%$98.03
14,200 at 7.38%$98.12
14,200 at 7.39%$98.22
14,200 at 7.4%$98.32
14,200 at 7.41%$98.41
14,200 at 7.42%$98.51
14,200 at 7.43%$98.61
14,200 at 7.44%$98.71
14,200 at 7.45%$98.80
14,200 at 7.46%$98.90
14,200 at 7.47%$99.00
14,200 at 7.48%$99.09
14,200 at 7.49%$99.19
14,200 at 7.5%$99.29
14,200 at 7.51%$99.39
14,200 at 7.52%$99.48
14,200 at 7.53%$99.58
14,200 at 7.54%$99.68
14,200 at 7.55%$99.78
14,200 at 7.56%$99.87
14,200 at 7.57%$99.97
14,200 at 7.58%$100.07
14,200 at 7.59%$100.17
14,200 at 7.6%$100.26
14,200 at 7.61%$100.36
14,200 at 7.62%$100.46
14,200 at 7.63%$100.56
14,200 at 7.64%$100.65
14,200 at 7.65%$100.75
14,200 at 7.66%$100.85
14,200 at 7.67%$100.95
14,200 at 7.68%$101.04
14,200 at 7.69%$101.14
14,200 at 7.7%$101.24
14,200 at 7.71%$101.34
14,200 at 7.72%$101.44
14,200 at 7.73%$101.53
14,200 at 7.74%$101.63
14,200 at 7.75%$101.73
14,200 at 7.76%$101.83
14,200 at 7.77%$101.93
14,200 at 7.78%$102.03
14,200 at 7.79%$102.12
14,200 at 7.8%$102.22
14,200 at 7.81%$102.32
14,200 at 7.82%$102.42
14,200 at 7.83%$102.52
14,200 at 7.84%$102.62
14,200 at 7.85%$102.71
14,200 at 7.86%$102.81
14,200 at 7.87%$102.91
14,200 at 7.88%$103.01
14,200 at 7.89%$103.11
14,200 at 7.9%$103.21
14,200 at 7.91%$103.31
14,200 at 7.92%$103.40
14,200 at 7.93%$103.50
14,200 at 7.94%$103.60
14,200 at 7.95%$103.70
14,200 at 7.96%$103.80
14,200 at 7.97%$103.90
14,200 at 7.98%$104.00
14,200 at 7.99%$104.10
14,200 at 8%$104.19
More Amounts
What is the down payment for a $14,200 house? How much do you need to put down?
Percent Down Down Payment
1%142
2%284
3%426
4%568
5%710
6%852
7%994
8%1,136
9%1,278
10%1,420
11%1,562
12%1,704
13%1,846
14%1,988
15%2,130
16%2,272
17%2,414
18%2,556
19%2,698
20%2,840
Percent Down Down Payment
21%2,982
22%3,124
23%3,266
24%3,408
25%3,550
26%3,692
27%3,834
28%3,976
29%4,118
30%4,260
31%4,402
32%4,544
33%4,686
34%4,828
35%4,970
36%5,112
37%5,254
38%5,396
39%5,538
40%5,680
Percent Down Down Payment
41%5,822
42%5,964
43%6,106
44%6,248
45%6,390
46%6,532
47%6,674
48%6,816
49%6,958
50%7,100
51%7,242
52%7,384
53%7,526
54%7,668
55%7,810
56%7,952
57%8,094
58%8,236
59%8,378
60%8,520
Percent Down Down Payment
61%8,662
62%8,804
63%8,946
64%9,088
65%9,230
66%9,372
67%9,514
68%9,656
69%9,798
70%9,940
71%10,082
72%10,224
73%10,366
74%10,508
75%10,650
76%10,792
77%10,934
78%11,076
79%11,218
80%11,360
Percent Down Down Payment
81%11,502
82%11,644
83%11,786
84%11,928
85%12,070
86%12,212
87%12,354
88%12,496
89%12,638
90%12,780
91%12,922
92%13,064
93%13,206
94%13,348
95%13,490
96%13,632
97%13,774
98%13,916
99%14,058
100%14,200
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.