$14,500 Mortgage for 30 Years

What is the monthly payment of a 14,500 dollar loan?
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Loan Tables for a $14,500 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 15k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $14,500 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
14,500 at 2.01%$53.67
14,500 at 2.02%$53.74
14,500 at 2.03%$53.81
14,500 at 2.04%$53.89
14,500 at 2.05%$53.96
14,500 at 2.06%$54.03
14,500 at 2.07%$54.10
14,500 at 2.08%$54.18
14,500 at 2.09%$54.25
14,500 at 2.1%$54.32
14,500 at 2.11%$54.40
14,500 at 2.12%$54.47
14,500 at 2.13%$54.54
14,500 at 2.14%$54.62
14,500 at 2.15%$54.69
14,500 at 2.16%$54.76
14,500 at 2.17%$54.84
14,500 at 2.18%$54.91
14,500 at 2.19%$54.98
14,500 at 2.2%$55.06
14,500 at 2.21%$55.13
14,500 at 2.22%$55.20
14,500 at 2.23%$55.28
14,500 at 2.24%$55.35
14,500 at 2.25%$55.43
14,500 at 2.26%$55.50
14,500 at 2.27%$55.57
14,500 at 2.28%$55.65
14,500 at 2.29%$55.72
14,500 at 2.3%$55.80
14,500 at 2.31%$55.87
14,500 at 2.32%$55.94
14,500 at 2.33%$56.02
14,500 at 2.34%$56.09
14,500 at 2.35%$56.17
14,500 at 2.36%$56.24
14,500 at 2.37%$56.32
14,500 at 2.38%$56.39
14,500 at 2.39%$56.47
14,500 at 2.4%$56.54
14,500 at 2.41%$56.62
14,500 at 2.42%$56.69
14,500 at 2.43%$56.77
14,500 at 2.44%$56.84
14,500 at 2.45%$56.92
14,500 at 2.46%$56.99
14,500 at 2.47%$57.07
14,500 at 2.48%$57.14
14,500 at 2.49%$57.22
14,500 at 2.5%$57.29
14,500 at 2.51%$57.37
14,500 at 2.52%$57.44
14,500 at 2.53%$57.52
14,500 at 2.54%$57.59
14,500 at 2.55%$57.67
14,500 at 2.56%$57.75
14,500 at 2.57%$57.82
14,500 at 2.58%$57.90
14,500 at 2.59%$57.97
14,500 at 2.6%$58.05
14,500 at 2.61%$58.13
14,500 at 2.62%$58.20
14,500 at 2.63%$58.28
14,500 at 2.64%$58.35
14,500 at 2.65%$58.43
14,500 at 2.66%$58.51
14,500 at 2.67%$58.58
14,500 at 2.68%$58.66
14,500 at 2.69%$58.74
14,500 at 2.7%$58.81
14,500 at 2.71%$58.89
14,500 at 2.72%$58.96
14,500 at 2.73%$59.04
14,500 at 2.74%$59.12
14,500 at 2.75%$59.19
14,500 at 2.76%$59.27
14,500 at 2.77%$59.35
14,500 at 2.78%$59.43
14,500 at 2.79%$59.50
14,500 at 2.8%$59.58
14,500 at 2.81%$59.66
14,500 at 2.82%$59.73
14,500 at 2.83%$59.81
14,500 at 2.84%$59.89
14,500 at 2.85%$59.97
14,500 at 2.86%$60.04
14,500 at 2.87%$60.12
14,500 at 2.88%$60.20
14,500 at 2.89%$60.28
14,500 at 2.9%$60.35
14,500 at 2.91%$60.43
14,500 at 2.92%$60.51
14,500 at 2.93%$60.59
14,500 at 2.94%$60.66
14,500 at 2.95%$60.74
14,500 at 2.96%$60.82
14,500 at 2.97%$60.90
14,500 at 2.98%$60.98
14,500 at 2.99%$61.05
14,500 at 3%$61.13
14,500 at 3.01%$61.21
14,500 at 3.02%$61.29
14,500 at 3.03%$61.37
14,500 at 3.04%$61.45
14,500 at 3.05%$61.52
14,500 at 3.06%$61.60
14,500 at 3.07%$61.68
14,500 at 3.08%$61.76
14,500 at 3.09%$61.84
14,500 at 3.1%$61.92
14,500 at 3.11%$62.00
14,500 at 3.12%$62.08
14,500 at 3.13%$62.15
14,500 at 3.14%$62.23
14,500 at 3.15%$62.31
14,500 at 3.16%$62.39
14,500 at 3.17%$62.47
14,500 at 3.18%$62.55
14,500 at 3.19%$62.63
14,500 at 3.2%$62.71
14,500 at 3.21%$62.79
14,500 at 3.22%$62.87
14,500 at 3.23%$62.95
14,500 at 3.24%$63.03
14,500 at 3.25%$63.10
14,500 at 3.26%$63.18
14,500 at 3.27%$63.26
14,500 at 3.28%$63.34
14,500 at 3.29%$63.42
14,500 at 3.3%$63.50
14,500 at 3.31%$63.58
14,500 at 3.32%$63.66
14,500 at 3.33%$63.74
14,500 at 3.34%$63.82
14,500 at 3.35%$63.90
14,500 at 3.36%$63.98
14,500 at 3.37%$64.06
14,500 at 3.38%$64.14
14,500 at 3.39%$64.22
14,500 at 3.4%$64.30
14,500 at 3.41%$64.39
14,500 at 3.42%$64.47
14,500 at 3.43%$64.55
14,500 at 3.44%$64.63
14,500 at 3.45%$64.71
14,500 at 3.46%$64.79
14,500 at 3.47%$64.87
14,500 at 3.48%$64.95
14,500 at 3.49%$65.03
14,500 at 3.5%$65.11
Interest Rate 30 Year
14,500 at 3.51%$65.19
14,500 at 3.52%$65.27
14,500 at 3.53%$65.35
14,500 at 3.54%$65.44
14,500 at 3.55%$65.52
14,500 at 3.56%$65.60
14,500 at 3.57%$65.68
14,500 at 3.58%$65.76
14,500 at 3.59%$65.84
14,500 at 3.6%$65.92
14,500 at 3.61%$66.01
14,500 at 3.62%$66.09
14,500 at 3.63%$66.17
14,500 at 3.64%$66.25
14,500 at 3.65%$66.33
14,500 at 3.66%$66.41
14,500 at 3.67%$66.50
14,500 at 3.68%$66.58
14,500 at 3.69%$66.66
14,500 at 3.7%$66.74
14,500 at 3.71%$66.82
14,500 at 3.72%$66.91
14,500 at 3.73%$66.99
14,500 at 3.74%$67.07
14,500 at 3.75%$67.15
14,500 at 3.76%$67.23
14,500 at 3.77%$67.32
14,500 at 3.78%$67.40
14,500 at 3.79%$67.48
14,500 at 3.8%$67.56
14,500 at 3.81%$67.65
14,500 at 3.82%$67.73
14,500 at 3.83%$67.81
14,500 at 3.84%$67.89
14,500 at 3.85%$67.98
14,500 at 3.86%$68.06
14,500 at 3.87%$68.14
14,500 at 3.88%$68.23
14,500 at 3.89%$68.31
14,500 at 3.9%$68.39
14,500 at 3.91%$68.47
14,500 at 3.92%$68.56
14,500 at 3.93%$68.64
14,500 at 3.94%$68.72
14,500 at 3.95%$68.81
14,500 at 3.96%$68.89
14,500 at 3.97%$68.97
14,500 at 3.98%$69.06
14,500 at 3.99%$69.14
14,500 at 4%$69.23
14,500 at 4.01%$69.31
14,500 at 4.02%$69.39
14,500 at 4.03%$69.48
14,500 at 4.04%$69.56
14,500 at 4.05%$69.64
14,500 at 4.06%$69.73
14,500 at 4.07%$69.81
14,500 at 4.08%$69.90
14,500 at 4.09%$69.98
14,500 at 4.1%$70.06
14,500 at 4.11%$70.15
14,500 at 4.12%$70.23
14,500 at 4.13%$70.32
14,500 at 4.14%$70.40
14,500 at 4.15%$70.48
14,500 at 4.16%$70.57
14,500 at 4.17%$70.65
14,500 at 4.18%$70.74
14,500 at 4.19%$70.82
14,500 at 4.2%$70.91
14,500 at 4.21%$70.99
14,500 at 4.22%$71.08
14,500 at 4.23%$71.16
14,500 at 4.24%$71.25
14,500 at 4.25%$71.33
14,500 at 4.26%$71.42
14,500 at 4.27%$71.50
14,500 at 4.28%$71.59
14,500 at 4.29%$71.67
14,500 at 4.3%$71.76
14,500 at 4.31%$71.84
14,500 at 4.32%$71.93
14,500 at 4.33%$72.01
14,500 at 4.34%$72.10
14,500 at 4.35%$72.18
14,500 at 4.36%$72.27
14,500 at 4.37%$72.35
14,500 at 4.38%$72.44
14,500 at 4.39%$72.52
14,500 at 4.4%$72.61
14,500 at 4.41%$72.70
14,500 at 4.42%$72.78
14,500 at 4.43%$72.87
14,500 at 4.44%$72.95
14,500 at 4.45%$73.04
14,500 at 4.46%$73.13
14,500 at 4.47%$73.21
14,500 at 4.48%$73.30
14,500 at 4.49%$73.38
14,500 at 4.5%$73.47
14,500 at 4.51%$73.56
14,500 at 4.52%$73.64
14,500 at 4.53%$73.73
14,500 at 4.54%$73.81
14,500 at 4.55%$73.90
14,500 at 4.56%$73.99
14,500 at 4.57%$74.07
14,500 at 4.58%$74.16
14,500 at 4.59%$74.25
14,500 at 4.6%$74.33
14,500 at 4.61%$74.42
14,500 at 4.62%$74.51
14,500 at 4.63%$74.59
14,500 at 4.64%$74.68
14,500 at 4.65%$74.77
14,500 at 4.66%$74.85
14,500 at 4.67%$74.94
14,500 at 4.68%$75.03
14,500 at 4.69%$75.12
14,500 at 4.7%$75.20
14,500 at 4.71%$75.29
14,500 at 4.72%$75.38
14,500 at 4.73%$75.46
14,500 at 4.74%$75.55
14,500 at 4.75%$75.64
14,500 at 4.76%$75.73
14,500 at 4.77%$75.81
14,500 at 4.78%$75.90
14,500 at 4.79%$75.99
14,500 at 4.8%$76.08
14,500 at 4.81%$76.16
14,500 at 4.82%$76.25
14,500 at 4.83%$76.34
14,500 at 4.84%$76.43
14,500 at 4.85%$76.52
14,500 at 4.86%$76.60
14,500 at 4.87%$76.69
14,500 at 4.88%$76.78
14,500 at 4.89%$76.87
14,500 at 4.9%$76.96
14,500 at 4.91%$77.04
14,500 at 4.92%$77.13
14,500 at 4.93%$77.22
14,500 at 4.94%$77.31
14,500 at 4.95%$77.40
14,500 at 4.96%$77.49
14,500 at 4.97%$77.57
14,500 at 4.98%$77.66
14,500 at 4.99%$77.75
14,500 at 5%$77.84
Interest Rate 30 Year
14,500 at 5.01%$77.93
14,500 at 5.02%$78.02
14,500 at 5.03%$78.11
14,500 at 5.04%$78.19
14,500 at 5.05%$78.28
14,500 at 5.06%$78.37
14,500 at 5.07%$78.46
14,500 at 5.08%$78.55
14,500 at 5.09%$78.64
14,500 at 5.1%$78.73
14,500 at 5.11%$78.82
14,500 at 5.12%$78.91
14,500 at 5.13%$79.00
14,500 at 5.14%$79.08
14,500 at 5.15%$79.17
14,500 at 5.16%$79.26
14,500 at 5.17%$79.35
14,500 at 5.18%$79.44
14,500 at 5.19%$79.53
14,500 at 5.2%$79.62
14,500 at 5.21%$79.71
14,500 at 5.22%$79.80
14,500 at 5.23%$79.89
14,500 at 5.24%$79.98
14,500 at 5.25%$80.07
14,500 at 5.26%$80.16
14,500 at 5.27%$80.25
14,500 at 5.28%$80.34
14,500 at 5.29%$80.43
14,500 at 5.3%$80.52
14,500 at 5.31%$80.61
14,500 at 5.32%$80.70
14,500 at 5.33%$80.79
14,500 at 5.34%$80.88
14,500 at 5.35%$80.97
14,500 at 5.36%$81.06
14,500 at 5.37%$81.15
14,500 at 5.38%$81.24
14,500 at 5.39%$81.33
14,500 at 5.4%$81.42
14,500 at 5.41%$81.51
14,500 at 5.42%$81.60
14,500 at 5.43%$81.69
14,500 at 5.44%$81.78
14,500 at 5.45%$81.88
14,500 at 5.46%$81.97
14,500 at 5.47%$82.06
14,500 at 5.48%$82.15
14,500 at 5.49%$82.24
14,500 at 5.5%$82.33
14,500 at 5.51%$82.42
14,500 at 5.52%$82.51
14,500 at 5.53%$82.60
14,500 at 5.54%$82.69
14,500 at 5.55%$82.78
14,500 at 5.56%$82.88
14,500 at 5.57%$82.97
14,500 at 5.58%$83.06
14,500 at 5.59%$83.15
14,500 at 5.6%$83.24
14,500 at 5.61%$83.33
14,500 at 5.62%$83.42
14,500 at 5.63%$83.52
14,500 at 5.64%$83.61
14,500 at 5.65%$83.70
14,500 at 5.66%$83.79
14,500 at 5.67%$83.88
14,500 at 5.68%$83.97
14,500 at 5.69%$84.07
14,500 at 5.7%$84.16
14,500 at 5.71%$84.25
14,500 at 5.72%$84.34
14,500 at 5.73%$84.43
14,500 at 5.74%$84.53
14,500 at 5.75%$84.62
14,500 at 5.76%$84.71
14,500 at 5.77%$84.80
14,500 at 5.78%$84.89
14,500 at 5.79%$84.99
14,500 at 5.8%$85.08
14,500 at 5.81%$85.17
14,500 at 5.82%$85.26
14,500 at 5.83%$85.36
14,500 at 5.84%$85.45
14,500 at 5.85%$85.54
14,500 at 5.86%$85.63
14,500 at 5.87%$85.73
14,500 at 5.88%$85.82
14,500 at 5.89%$85.91
14,500 at 5.9%$86.00
14,500 at 5.91%$86.10
14,500 at 5.92%$86.19
14,500 at 5.93%$86.28
14,500 at 5.94%$86.38
14,500 at 5.95%$86.47
14,500 at 5.96%$86.56
14,500 at 5.97%$86.66
14,500 at 5.98%$86.75
14,500 at 5.99%$86.84
14,500 at 6%$86.93
14,500 at 6.01%$87.03
14,500 at 6.02%$87.12
14,500 at 6.03%$87.21
14,500 at 6.04%$87.31
14,500 at 6.05%$87.40
14,500 at 6.06%$87.49
14,500 at 6.07%$87.59
14,500 at 6.08%$87.68
14,500 at 6.09%$87.78
14,500 at 6.1%$87.87
14,500 at 6.11%$87.96
14,500 at 6.12%$88.06
14,500 at 6.13%$88.15
14,500 at 6.14%$88.24
14,500 at 6.15%$88.34
14,500 at 6.16%$88.43
14,500 at 6.17%$88.53
14,500 at 6.18%$88.62
14,500 at 6.19%$88.71
14,500 at 6.2%$88.81
14,500 at 6.21%$88.90
14,500 at 6.22%$89.00
14,500 at 6.23%$89.09
14,500 at 6.24%$89.18
14,500 at 6.25%$89.28
14,500 at 6.26%$89.37
14,500 at 6.27%$89.47
14,500 at 6.28%$89.56
14,500 at 6.29%$89.66
14,500 at 6.3%$89.75
14,500 at 6.31%$89.85
14,500 at 6.32%$89.94
14,500 at 6.33%$90.03
14,500 at 6.34%$90.13
14,500 at 6.35%$90.22
14,500 at 6.36%$90.32
14,500 at 6.37%$90.41
14,500 at 6.38%$90.51
14,500 at 6.39%$90.60
14,500 at 6.4%$90.70
14,500 at 6.41%$90.79
14,500 at 6.42%$90.89
14,500 at 6.43%$90.98
14,500 at 6.44%$91.08
14,500 at 6.45%$91.17
14,500 at 6.46%$91.27
14,500 at 6.47%$91.36
14,500 at 6.48%$91.46
14,500 at 6.49%$91.55
14,500 at 6.5%$91.65
Interest Rate 30 Year
14,500 at 6.51%$91.75
14,500 at 6.52%$91.84
14,500 at 6.53%$91.94
14,500 at 6.54%$92.03
14,500 at 6.55%$92.13
14,500 at 6.56%$92.22
14,500 at 6.57%$92.32
14,500 at 6.58%$92.41
14,500 at 6.59%$92.51
14,500 at 6.6%$92.61
14,500 at 6.61%$92.70
14,500 at 6.62%$92.80
14,500 at 6.63%$92.89
14,500 at 6.64%$92.99
14,500 at 6.65%$93.08
14,500 at 6.66%$93.18
14,500 at 6.67%$93.28
14,500 at 6.68%$93.37
14,500 at 6.69%$93.47
14,500 at 6.7%$93.57
14,500 at 6.71%$93.66
14,500 at 6.72%$93.76
14,500 at 6.73%$93.85
14,500 at 6.74%$93.95
14,500 at 6.75%$94.05
14,500 at 6.76%$94.14
14,500 at 6.77%$94.24
14,500 at 6.78%$94.34
14,500 at 6.79%$94.43
14,500 at 6.8%$94.53
14,500 at 6.81%$94.63
14,500 at 6.82%$94.72
14,500 at 6.83%$94.82
14,500 at 6.84%$94.92
14,500 at 6.85%$95.01
14,500 at 6.86%$95.11
14,500 at 6.87%$95.21
14,500 at 6.88%$95.30
14,500 at 6.89%$95.40
14,500 at 6.9%$95.50
14,500 at 6.91%$95.59
14,500 at 6.92%$95.69
14,500 at 6.93%$95.79
14,500 at 6.94%$95.89
14,500 at 6.95%$95.98
14,500 at 6.96%$96.08
14,500 at 6.97%$96.18
14,500 at 6.98%$96.27
14,500 at 6.99%$96.37
14,500 at 7%$96.47
14,500 at 7.01%$96.57
14,500 at 7.02%$96.66
14,500 at 7.03%$96.76
14,500 at 7.04%$96.86
14,500 at 7.05%$96.96
14,500 at 7.06%$97.05
14,500 at 7.07%$97.15
14,500 at 7.08%$97.25
14,500 at 7.09%$97.35
14,500 at 7.1%$97.44
14,500 at 7.11%$97.54
14,500 at 7.12%$97.64
14,500 at 7.13%$97.74
14,500 at 7.14%$97.84
14,500 at 7.15%$97.93
14,500 at 7.16%$98.03
14,500 at 7.17%$98.13
14,500 at 7.18%$98.23
14,500 at 7.19%$98.33
14,500 at 7.2%$98.42
14,500 at 7.21%$98.52
14,500 at 7.22%$98.62
14,500 at 7.23%$98.72
14,500 at 7.24%$98.82
14,500 at 7.25%$98.92
14,500 at 7.26%$99.01
14,500 at 7.27%$99.11
14,500 at 7.28%$99.21
14,500 at 7.29%$99.31
14,500 at 7.3%$99.41
14,500 at 7.31%$99.51
14,500 at 7.32%$99.60
14,500 at 7.33%$99.70
14,500 at 7.34%$99.80
14,500 at 7.35%$99.90
14,500 at 7.36%$100.00
14,500 at 7.37%$100.10
14,500 at 7.38%$100.20
14,500 at 7.39%$100.30
14,500 at 7.4%$100.40
14,500 at 7.41%$100.49
14,500 at 7.42%$100.59
14,500 at 7.43%$100.69
14,500 at 7.44%$100.79
14,500 at 7.45%$100.89
14,500 at 7.46%$100.99
14,500 at 7.47%$101.09
14,500 at 7.48%$101.19
14,500 at 7.49%$101.29
14,500 at 7.5%$101.39
14,500 at 7.51%$101.49
14,500 at 7.52%$101.58
14,500 at 7.53%$101.68
14,500 at 7.54%$101.78
14,500 at 7.55%$101.88
14,500 at 7.56%$101.98
14,500 at 7.57%$102.08
14,500 at 7.58%$102.18
14,500 at 7.59%$102.28
14,500 at 7.6%$102.38
14,500 at 7.61%$102.48
14,500 at 7.62%$102.58
14,500 at 7.63%$102.68
14,500 at 7.64%$102.78
14,500 at 7.65%$102.88
14,500 at 7.66%$102.98
14,500 at 7.67%$103.08
14,500 at 7.68%$103.18
14,500 at 7.69%$103.28
14,500 at 7.7%$103.38
14,500 at 7.71%$103.48
14,500 at 7.72%$103.58
14,500 at 7.73%$103.68
14,500 at 7.74%$103.78
14,500 at 7.75%$103.88
14,500 at 7.76%$103.98
14,500 at 7.77%$104.08
14,500 at 7.78%$104.18
14,500 at 7.79%$104.28
14,500 at 7.8%$104.38
14,500 at 7.81%$104.48
14,500 at 7.82%$104.58
14,500 at 7.83%$104.68
14,500 at 7.84%$104.78
14,500 at 7.85%$104.88
14,500 at 7.86%$104.98
14,500 at 7.87%$105.08
14,500 at 7.88%$105.19
14,500 at 7.89%$105.29
14,500 at 7.9%$105.39
14,500 at 7.91%$105.49
14,500 at 7.92%$105.59
14,500 at 7.93%$105.69
14,500 at 7.94%$105.79
14,500 at 7.95%$105.89
14,500 at 7.96%$105.99
14,500 at 7.97%$106.09
14,500 at 7.98%$106.19
14,500 at 7.99%$106.29
14,500 at 8%$106.40
More Amounts
What is the down payment for a $14,500 house? How much do you need to put down?
Percent Down Down Payment
1%145
2%290
3%435
4%580
5%725
6%870
7%1,015
8%1,160
9%1,305
10%1,450
11%1,595
12%1,740
13%1,885
14%2,030
15%2,175
16%2,320
17%2,465
18%2,610
19%2,755
20%2,900
Percent Down Down Payment
21%3,045
22%3,190
23%3,335
24%3,480
25%3,625
26%3,770
27%3,915
28%4,060
29%4,205
30%4,350
31%4,495
32%4,640
33%4,785
34%4,930
35%5,075
36%5,220
37%5,365
38%5,510
39%5,655
40%5,800
Percent Down Down Payment
41%5,945
42%6,090
43%6,235
44%6,380
45%6,525
46%6,670
47%6,815
48%6,960
49%7,105
50%7,250
51%7,395
52%7,540
53%7,685
54%7,830
55%7,975
56%8,120
57%8,265
58%8,410
59%8,555
60%8,700
Percent Down Down Payment
61%8,845
62%8,990
63%9,135
64%9,280
65%9,425
66%9,570
67%9,715
68%9,860
69%10,005
70%10,150
71%10,295
72%10,440
73%10,585
74%10,730
75%10,875
76%11,020
77%11,165
78%11,310
79%11,455
80%11,600
Percent Down Down Payment
81%11,745
82%11,890
83%12,035
84%12,180
85%12,325
86%12,470
87%12,615
88%12,760
89%12,905
90%13,050
91%13,195
92%13,340
93%13,485
94%13,630
95%13,775
96%13,920
97%14,065
98%14,210
99%14,355
100%14,500
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.