$14,800 Mortgage for 30 Years

What is the monthly payment of a 14,800 dollar loan?
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Loan Tables for a $14,800 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 $14,800 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
14,800 at 2.01%$54.78
14,800 at 2.02%$54.85
14,800 at 2.03%$54.93
14,800 at 2.04%$55.00
14,800 at 2.05%$55.07
14,800 at 2.06%$55.15
14,800 at 2.07%$55.22
14,800 at 2.08%$55.30
14,800 at 2.09%$55.37
14,800 at 2.1%$55.45
14,800 at 2.11%$55.52
14,800 at 2.12%$55.60
14,800 at 2.13%$55.67
14,800 at 2.14%$55.75
14,800 at 2.15%$55.82
14,800 at 2.16%$55.90
14,800 at 2.17%$55.97
14,800 at 2.18%$56.05
14,800 at 2.19%$56.12
14,800 at 2.2%$56.20
14,800 at 2.21%$56.27
14,800 at 2.22%$56.35
14,800 at 2.23%$56.42
14,800 at 2.24%$56.50
14,800 at 2.25%$56.57
14,800 at 2.26%$56.65
14,800 at 2.27%$56.72
14,800 at 2.28%$56.80
14,800 at 2.29%$56.87
14,800 at 2.3%$56.95
14,800 at 2.31%$57.03
14,800 at 2.32%$57.10
14,800 at 2.33%$57.18
14,800 at 2.34%$57.25
14,800 at 2.35%$57.33
14,800 at 2.36%$57.41
14,800 at 2.37%$57.48
14,800 at 2.38%$57.56
14,800 at 2.39%$57.63
14,800 at 2.4%$57.71
14,800 at 2.41%$57.79
14,800 at 2.42%$57.86
14,800 at 2.43%$57.94
14,800 at 2.44%$58.02
14,800 at 2.45%$58.09
14,800 at 2.46%$58.17
14,800 at 2.47%$58.25
14,800 at 2.48%$58.32
14,800 at 2.49%$58.40
14,800 at 2.5%$58.48
14,800 at 2.51%$58.55
14,800 at 2.52%$58.63
14,800 at 2.53%$58.71
14,800 at 2.54%$58.79
14,800 at 2.55%$58.86
14,800 at 2.56%$58.94
14,800 at 2.57%$59.02
14,800 at 2.58%$59.10
14,800 at 2.59%$59.17
14,800 at 2.6%$59.25
14,800 at 2.61%$59.33
14,800 at 2.62%$59.41
14,800 at 2.63%$59.48
14,800 at 2.64%$59.56
14,800 at 2.65%$59.64
14,800 at 2.66%$59.72
14,800 at 2.67%$59.79
14,800 at 2.68%$59.87
14,800 at 2.69%$59.95
14,800 at 2.7%$60.03
14,800 at 2.71%$60.11
14,800 at 2.72%$60.18
14,800 at 2.73%$60.26
14,800 at 2.74%$60.34
14,800 at 2.75%$60.42
14,800 at 2.76%$60.50
14,800 at 2.77%$60.58
14,800 at 2.78%$60.66
14,800 at 2.79%$60.73
14,800 at 2.8%$60.81
14,800 at 2.81%$60.89
14,800 at 2.82%$60.97
14,800 at 2.83%$61.05
14,800 at 2.84%$61.13
14,800 at 2.85%$61.21
14,800 at 2.86%$61.29
14,800 at 2.87%$61.36
14,800 at 2.88%$61.44
14,800 at 2.89%$61.52
14,800 at 2.9%$61.60
14,800 at 2.91%$61.68
14,800 at 2.92%$61.76
14,800 at 2.93%$61.84
14,800 at 2.94%$61.92
14,800 at 2.95%$62.00
14,800 at 2.96%$62.08
14,800 at 2.97%$62.16
14,800 at 2.98%$62.24
14,800 at 2.99%$62.32
14,800 at 3%$62.40
14,800 at 3.01%$62.48
14,800 at 3.02%$62.56
14,800 at 3.03%$62.64
14,800 at 3.04%$62.72
14,800 at 3.05%$62.80
14,800 at 3.06%$62.88
14,800 at 3.07%$62.96
14,800 at 3.08%$63.04
14,800 at 3.09%$63.12
14,800 at 3.1%$63.20
14,800 at 3.11%$63.28
14,800 at 3.12%$63.36
14,800 at 3.13%$63.44
14,800 at 3.14%$63.52
14,800 at 3.15%$63.60
14,800 at 3.16%$63.68
14,800 at 3.17%$63.76
14,800 at 3.18%$63.84
14,800 at 3.19%$63.92
14,800 at 3.2%$64.01
14,800 at 3.21%$64.09
14,800 at 3.22%$64.17
14,800 at 3.23%$64.25
14,800 at 3.24%$64.33
14,800 at 3.25%$64.41
14,800 at 3.26%$64.49
14,800 at 3.27%$64.57
14,800 at 3.28%$64.65
14,800 at 3.29%$64.74
14,800 at 3.3%$64.82
14,800 at 3.31%$64.90
14,800 at 3.32%$64.98
14,800 at 3.33%$65.06
14,800 at 3.34%$65.14
14,800 at 3.35%$65.23
14,800 at 3.36%$65.31
14,800 at 3.37%$65.39
14,800 at 3.38%$65.47
14,800 at 3.39%$65.55
14,800 at 3.4%$65.64
14,800 at 3.41%$65.72
14,800 at 3.42%$65.80
14,800 at 3.43%$65.88
14,800 at 3.44%$65.96
14,800 at 3.45%$66.05
14,800 at 3.46%$66.13
14,800 at 3.47%$66.21
14,800 at 3.48%$66.29
14,800 at 3.49%$66.38
14,800 at 3.5%$66.46
Interest Rate 30 Year
14,800 at 3.51%$66.54
14,800 at 3.52%$66.62
14,800 at 3.53%$66.71
14,800 at 3.54%$66.79
14,800 at 3.55%$66.87
14,800 at 3.56%$66.96
14,800 at 3.57%$67.04
14,800 at 3.58%$67.12
14,800 at 3.59%$67.20
14,800 at 3.6%$67.29
14,800 at 3.61%$67.37
14,800 at 3.62%$67.45
14,800 at 3.63%$67.54
14,800 at 3.64%$67.62
14,800 at 3.65%$67.70
14,800 at 3.66%$67.79
14,800 at 3.67%$67.87
14,800 at 3.68%$67.95
14,800 at 3.69%$68.04
14,800 at 3.7%$68.12
14,800 at 3.71%$68.21
14,800 at 3.72%$68.29
14,800 at 3.73%$68.37
14,800 at 3.74%$68.46
14,800 at 3.75%$68.54
14,800 at 3.76%$68.63
14,800 at 3.77%$68.71
14,800 at 3.78%$68.79
14,800 at 3.79%$68.88
14,800 at 3.8%$68.96
14,800 at 3.81%$69.05
14,800 at 3.82%$69.13
14,800 at 3.83%$69.21
14,800 at 3.84%$69.30
14,800 at 3.85%$69.38
14,800 at 3.86%$69.47
14,800 at 3.87%$69.55
14,800 at 3.88%$69.64
14,800 at 3.89%$69.72
14,800 at 3.9%$69.81
14,800 at 3.91%$69.89
14,800 at 3.92%$69.98
14,800 at 3.93%$70.06
14,800 at 3.94%$70.15
14,800 at 3.95%$70.23
14,800 at 3.96%$70.32
14,800 at 3.97%$70.40
14,800 at 3.98%$70.49
14,800 at 3.99%$70.57
14,800 at 4%$70.66
14,800 at 4.01%$70.74
14,800 at 4.02%$70.83
14,800 at 4.03%$70.91
14,800 at 4.04%$71.00
14,800 at 4.05%$71.08
14,800 at 4.06%$71.17
14,800 at 4.07%$71.26
14,800 at 4.08%$71.34
14,800 at 4.09%$71.43
14,800 at 4.1%$71.51
14,800 at 4.11%$71.60
14,800 at 4.12%$71.69
14,800 at 4.13%$71.77
14,800 at 4.14%$71.86
14,800 at 4.15%$71.94
14,800 at 4.16%$72.03
14,800 at 4.17%$72.12
14,800 at 4.18%$72.20
14,800 at 4.19%$72.29
14,800 at 4.2%$72.37
14,800 at 4.21%$72.46
14,800 at 4.22%$72.55
14,800 at 4.23%$72.63
14,800 at 4.24%$72.72
14,800 at 4.25%$72.81
14,800 at 4.26%$72.89
14,800 at 4.27%$72.98
14,800 at 4.28%$73.07
14,800 at 4.29%$73.15
14,800 at 4.3%$73.24
14,800 at 4.31%$73.33
14,800 at 4.32%$73.41
14,800 at 4.33%$73.50
14,800 at 4.34%$73.59
14,800 at 4.35%$73.68
14,800 at 4.36%$73.76
14,800 at 4.37%$73.85
14,800 at 4.38%$73.94
14,800 at 4.39%$74.03
14,800 at 4.4%$74.11
14,800 at 4.41%$74.20
14,800 at 4.42%$74.29
14,800 at 4.43%$74.38
14,800 at 4.44%$74.46
14,800 at 4.45%$74.55
14,800 at 4.46%$74.64
14,800 at 4.47%$74.73
14,800 at 4.48%$74.81
14,800 at 4.49%$74.90
14,800 at 4.5%$74.99
14,800 at 4.51%$75.08
14,800 at 4.52%$75.17
14,800 at 4.53%$75.25
14,800 at 4.54%$75.34
14,800 at 4.55%$75.43
14,800 at 4.56%$75.52
14,800 at 4.57%$75.61
14,800 at 4.58%$75.69
14,800 at 4.59%$75.78
14,800 at 4.6%$75.87
14,800 at 4.61%$75.96
14,800 at 4.62%$76.05
14,800 at 4.63%$76.14
14,800 at 4.64%$76.23
14,800 at 4.65%$76.31
14,800 at 4.66%$76.40
14,800 at 4.67%$76.49
14,800 at 4.68%$76.58
14,800 at 4.69%$76.67
14,800 at 4.7%$76.76
14,800 at 4.71%$76.85
14,800 at 4.72%$76.94
14,800 at 4.73%$77.03
14,800 at 4.74%$77.11
14,800 at 4.75%$77.20
14,800 at 4.76%$77.29
14,800 at 4.77%$77.38
14,800 at 4.78%$77.47
14,800 at 4.79%$77.56
14,800 at 4.8%$77.65
14,800 at 4.81%$77.74
14,800 at 4.82%$77.83
14,800 at 4.83%$77.92
14,800 at 4.84%$78.01
14,800 at 4.85%$78.10
14,800 at 4.86%$78.19
14,800 at 4.87%$78.28
14,800 at 4.88%$78.37
14,800 at 4.89%$78.46
14,800 at 4.9%$78.55
14,800 at 4.91%$78.64
14,800 at 4.92%$78.73
14,800 at 4.93%$78.82
14,800 at 4.94%$78.91
14,800 at 4.95%$79.00
14,800 at 4.96%$79.09
14,800 at 4.97%$79.18
14,800 at 4.98%$79.27
14,800 at 4.99%$79.36
14,800 at 5%$79.45
Interest Rate 30 Year
14,800 at 5.01%$79.54
14,800 at 5.02%$79.63
14,800 at 5.03%$79.72
14,800 at 5.04%$79.81
14,800 at 5.05%$79.90
14,800 at 5.06%$79.99
14,800 at 5.07%$80.08
14,800 at 5.08%$80.17
14,800 at 5.09%$80.27
14,800 at 5.1%$80.36
14,800 at 5.11%$80.45
14,800 at 5.12%$80.54
14,800 at 5.13%$80.63
14,800 at 5.14%$80.72
14,800 at 5.15%$80.81
14,800 at 5.16%$80.90
14,800 at 5.17%$80.99
14,800 at 5.18%$81.09
14,800 at 5.19%$81.18
14,800 at 5.2%$81.27
14,800 at 5.21%$81.36
14,800 at 5.22%$81.45
14,800 at 5.23%$81.54
14,800 at 5.24%$81.63
14,800 at 5.25%$81.73
14,800 at 5.26%$81.82
14,800 at 5.27%$81.91
14,800 at 5.28%$82.00
14,800 at 5.29%$82.09
14,800 at 5.3%$82.19
14,800 at 5.31%$82.28
14,800 at 5.32%$82.37
14,800 at 5.33%$82.46
14,800 at 5.34%$82.55
14,800 at 5.35%$82.65
14,800 at 5.36%$82.74
14,800 at 5.37%$82.83
14,800 at 5.38%$82.92
14,800 at 5.39%$83.01
14,800 at 5.4%$83.11
14,800 at 5.41%$83.20
14,800 at 5.42%$83.29
14,800 at 5.43%$83.38
14,800 at 5.44%$83.48
14,800 at 5.45%$83.57
14,800 at 5.46%$83.66
14,800 at 5.47%$83.75
14,800 at 5.48%$83.85
14,800 at 5.49%$83.94
14,800 at 5.5%$84.03
14,800 at 5.51%$84.13
14,800 at 5.52%$84.22
14,800 at 5.53%$84.31
14,800 at 5.54%$84.40
14,800 at 5.55%$84.50
14,800 at 5.56%$84.59
14,800 at 5.57%$84.68
14,800 at 5.58%$84.78
14,800 at 5.59%$84.87
14,800 at 5.6%$84.96
14,800 at 5.61%$85.06
14,800 at 5.62%$85.15
14,800 at 5.63%$85.24
14,800 at 5.64%$85.34
14,800 at 5.65%$85.43
14,800 at 5.66%$85.52
14,800 at 5.67%$85.62
14,800 at 5.68%$85.71
14,800 at 5.69%$85.81
14,800 at 5.7%$85.90
14,800 at 5.71%$85.99
14,800 at 5.72%$86.09
14,800 at 5.73%$86.18
14,800 at 5.74%$86.27
14,800 at 5.75%$86.37
14,800 at 5.76%$86.46
14,800 at 5.77%$86.56
14,800 at 5.78%$86.65
14,800 at 5.79%$86.75
14,800 at 5.8%$86.84
14,800 at 5.81%$86.93
14,800 at 5.82%$87.03
14,800 at 5.83%$87.12
14,800 at 5.84%$87.22
14,800 at 5.85%$87.31
14,800 at 5.86%$87.41
14,800 at 5.87%$87.50
14,800 at 5.88%$87.59
14,800 at 5.89%$87.69
14,800 at 5.9%$87.78
14,800 at 5.91%$87.88
14,800 at 5.92%$87.97
14,800 at 5.93%$88.07
14,800 at 5.94%$88.16
14,800 at 5.95%$88.26
14,800 at 5.96%$88.35
14,800 at 5.97%$88.45
14,800 at 5.98%$88.54
14,800 at 5.99%$88.64
14,800 at 6%$88.73
14,800 at 6.01%$88.83
14,800 at 6.02%$88.92
14,800 at 6.03%$89.02
14,800 at 6.04%$89.11
14,800 at 6.05%$89.21
14,800 at 6.06%$89.31
14,800 at 6.07%$89.40
14,800 at 6.08%$89.50
14,800 at 6.09%$89.59
14,800 at 6.1%$89.69
14,800 at 6.11%$89.78
14,800 at 6.12%$89.88
14,800 at 6.13%$89.97
14,800 at 6.14%$90.07
14,800 at 6.15%$90.17
14,800 at 6.16%$90.26
14,800 at 6.17%$90.36
14,800 at 6.18%$90.45
14,800 at 6.19%$90.55
14,800 at 6.2%$90.65
14,800 at 6.21%$90.74
14,800 at 6.22%$90.84
14,800 at 6.23%$90.93
14,800 at 6.24%$91.03
14,800 at 6.25%$91.13
14,800 at 6.26%$91.22
14,800 at 6.27%$91.32
14,800 at 6.28%$91.42
14,800 at 6.29%$91.51
14,800 at 6.3%$91.61
14,800 at 6.31%$91.70
14,800 at 6.32%$91.80
14,800 at 6.33%$91.90
14,800 at 6.34%$91.99
14,800 at 6.35%$92.09
14,800 at 6.36%$92.19
14,800 at 6.37%$92.28
14,800 at 6.38%$92.38
14,800 at 6.39%$92.48
14,800 at 6.4%$92.57
14,800 at 6.41%$92.67
14,800 at 6.42%$92.77
14,800 at 6.43%$92.87
14,800 at 6.44%$92.96
14,800 at 6.45%$93.06
14,800 at 6.46%$93.16
14,800 at 6.47%$93.25
14,800 at 6.48%$93.35
14,800 at 6.49%$93.45
14,800 at 6.5%$93.55
Interest Rate 30 Year
14,800 at 6.51%$93.64
14,800 at 6.52%$93.74
14,800 at 6.53%$93.84
14,800 at 6.54%$93.94
14,800 at 6.55%$94.03
14,800 at 6.56%$94.13
14,800 at 6.57%$94.23
14,800 at 6.58%$94.33
14,800 at 6.59%$94.42
14,800 at 6.6%$94.52
14,800 at 6.61%$94.62
14,800 at 6.62%$94.72
14,800 at 6.63%$94.81
14,800 at 6.64%$94.91
14,800 at 6.65%$95.01
14,800 at 6.66%$95.11
14,800 at 6.67%$95.21
14,800 at 6.68%$95.30
14,800 at 6.69%$95.40
14,800 at 6.7%$95.50
14,800 at 6.71%$95.60
14,800 at 6.72%$95.70
14,800 at 6.73%$95.80
14,800 at 6.74%$95.89
14,800 at 6.75%$95.99
14,800 at 6.76%$96.09
14,800 at 6.77%$96.19
14,800 at 6.78%$96.29
14,800 at 6.79%$96.39
14,800 at 6.8%$96.48
14,800 at 6.81%$96.58
14,800 at 6.82%$96.68
14,800 at 6.83%$96.78
14,800 at 6.84%$96.88
14,800 at 6.85%$96.98
14,800 at 6.86%$97.08
14,800 at 6.87%$97.18
14,800 at 6.88%$97.27
14,800 at 6.89%$97.37
14,800 at 6.9%$97.47
14,800 at 6.91%$97.57
14,800 at 6.92%$97.67
14,800 at 6.93%$97.77
14,800 at 6.94%$97.87
14,800 at 6.95%$97.97
14,800 at 6.96%$98.07
14,800 at 6.97%$98.17
14,800 at 6.98%$98.27
14,800 at 6.99%$98.37
14,800 at 7%$98.46
14,800 at 7.01%$98.56
14,800 at 7.02%$98.66
14,800 at 7.03%$98.76
14,800 at 7.04%$98.86
14,800 at 7.05%$98.96
14,800 at 7.06%$99.06
14,800 at 7.07%$99.16
14,800 at 7.08%$99.26
14,800 at 7.09%$99.36
14,800 at 7.1%$99.46
14,800 at 7.11%$99.56
14,800 at 7.12%$99.66
14,800 at 7.13%$99.76
14,800 at 7.14%$99.86
14,800 at 7.15%$99.96
14,800 at 7.16%$100.06
14,800 at 7.17%$100.16
14,800 at 7.18%$100.26
14,800 at 7.19%$100.36
14,800 at 7.2%$100.46
14,800 at 7.21%$100.56
14,800 at 7.22%$100.66
14,800 at 7.23%$100.76
14,800 at 7.24%$100.86
14,800 at 7.25%$100.96
14,800 at 7.26%$101.06
14,800 at 7.27%$101.16
14,800 at 7.28%$101.26
14,800 at 7.29%$101.36
14,800 at 7.3%$101.46
14,800 at 7.31%$101.57
14,800 at 7.32%$101.67
14,800 at 7.33%$101.77
14,800 at 7.34%$101.87
14,800 at 7.35%$101.97
14,800 at 7.36%$102.07
14,800 at 7.37%$102.17
14,800 at 7.38%$102.27
14,800 at 7.39%$102.37
14,800 at 7.4%$102.47
14,800 at 7.41%$102.57
14,800 at 7.42%$102.67
14,800 at 7.43%$102.78
14,800 at 7.44%$102.88
14,800 at 7.45%$102.98
14,800 at 7.46%$103.08
14,800 at 7.47%$103.18
14,800 at 7.48%$103.28
14,800 at 7.49%$103.38
14,800 at 7.5%$103.48
14,800 at 7.51%$103.59
14,800 at 7.52%$103.69
14,800 at 7.53%$103.79
14,800 at 7.54%$103.89
14,800 at 7.55%$103.99
14,800 at 7.56%$104.09
14,800 at 7.57%$104.19
14,800 at 7.58%$104.30
14,800 at 7.59%$104.40
14,800 at 7.6%$104.50
14,800 at 7.61%$104.60
14,800 at 7.62%$104.70
14,800 at 7.63%$104.80
14,800 at 7.64%$104.91
14,800 at 7.65%$105.01
14,800 at 7.66%$105.11
14,800 at 7.67%$105.21
14,800 at 7.68%$105.31
14,800 at 7.69%$105.42
14,800 at 7.7%$105.52
14,800 at 7.71%$105.62
14,800 at 7.72%$105.72
14,800 at 7.73%$105.82
14,800 at 7.74%$105.93
14,800 at 7.75%$106.03
14,800 at 7.76%$106.13
14,800 at 7.77%$106.23
14,800 at 7.78%$106.34
14,800 at 7.79%$106.44
14,800 at 7.8%$106.54
14,800 at 7.81%$106.64
14,800 at 7.82%$106.75
14,800 at 7.83%$106.85
14,800 at 7.84%$106.95
14,800 at 7.85%$107.05
14,800 at 7.86%$107.16
14,800 at 7.87%$107.26
14,800 at 7.88%$107.36
14,800 at 7.89%$107.46
14,800 at 7.9%$107.57
14,800 at 7.91%$107.67
14,800 at 7.92%$107.77
14,800 at 7.93%$107.88
14,800 at 7.94%$107.98
14,800 at 7.95%$108.08
14,800 at 7.96%$108.18
14,800 at 7.97%$108.29
14,800 at 7.98%$108.39
14,800 at 7.99%$108.49
14,800 at 8%$108.60
More Amounts
What is the down payment for a $14,800 house? How much do you need to put down?
Percent Down Down Payment
1%148
2%296
3%444
4%592
5%740
6%888
7%1,036
8%1,184
9%1,332
10%1,480
11%1,628
12%1,776
13%1,924
14%2,072
15%2,220
16%2,368
17%2,516
18%2,664
19%2,812
20%2,960
Percent Down Down Payment
21%3,108
22%3,256
23%3,404
24%3,552
25%3,700
26%3,848
27%3,996
28%4,144
29%4,292
30%4,440
31%4,588
32%4,736
33%4,884
34%5,032
35%5,180
36%5,328
37%5,476
38%5,624
39%5,772
40%5,920
Percent Down Down Payment
41%6,068
42%6,216
43%6,364
44%6,512
45%6,660
46%6,808
47%6,956
48%7,104
49%7,252
50%7,400
51%7,548
52%7,696
53%7,844
54%7,992
55%8,140
56%8,288
57%8,436
58%8,584
59%8,732
60%8,880
Percent Down Down Payment
61%9,028
62%9,176
63%9,324
64%9,472
65%9,620
66%9,768
67%9,916
68%10,064
69%10,212
70%10,360
71%10,508
72%10,656
73%10,804
74%10,952
75%11,100
76%11,248
77%11,396
78%11,544
79%11,692
80%11,840
Percent Down Down Payment
81%11,988
82%12,136
83%12,284
84%12,432
85%12,580
86%12,728
87%12,876
88%13,024
89%13,172
90%13,320
91%13,468
92%13,616
93%13,764
94%13,912
95%14,060
96%14,208
97%14,356
98%14,504
99%14,652
100%14,800
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.