$15,600 Mortgage for 30 Years

What is the monthly payment of a 15,600 dollar loan?
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Loan Tables for a $15,600 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 16k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $15,600 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
15,600 at 2.01%$57.74
15,600 at 2.02%$57.82
15,600 at 2.03%$57.89
15,600 at 2.04%$57.97
15,600 at 2.05%$58.05
15,600 at 2.06%$58.13
15,600 at 2.07%$58.21
15,600 at 2.08%$58.29
15,600 at 2.09%$58.37
15,600 at 2.1%$58.44
15,600 at 2.11%$58.52
15,600 at 2.12%$58.60
15,600 at 2.13%$58.68
15,600 at 2.14%$58.76
15,600 at 2.15%$58.84
15,600 at 2.16%$58.92
15,600 at 2.17%$59.00
15,600 at 2.18%$59.07
15,600 at 2.19%$59.15
15,600 at 2.2%$59.23
15,600 at 2.21%$59.31
15,600 at 2.22%$59.39
15,600 at 2.23%$59.47
15,600 at 2.24%$59.55
15,600 at 2.25%$59.63
15,600 at 2.26%$59.71
15,600 at 2.27%$59.79
15,600 at 2.28%$59.87
15,600 at 2.29%$59.95
15,600 at 2.3%$60.03
15,600 at 2.31%$60.11
15,600 at 2.32%$60.19
15,600 at 2.33%$60.27
15,600 at 2.34%$60.35
15,600 at 2.35%$60.43
15,600 at 2.36%$60.51
15,600 at 2.37%$60.59
15,600 at 2.38%$60.67
15,600 at 2.39%$60.75
15,600 at 2.4%$60.83
15,600 at 2.41%$60.91
15,600 at 2.42%$60.99
15,600 at 2.43%$61.07
15,600 at 2.44%$61.15
15,600 at 2.45%$61.23
15,600 at 2.46%$61.31
15,600 at 2.47%$61.40
15,600 at 2.48%$61.48
15,600 at 2.49%$61.56
15,600 at 2.5%$61.64
15,600 at 2.51%$61.72
15,600 at 2.52%$61.80
15,600 at 2.53%$61.88
15,600 at 2.54%$61.96
15,600 at 2.55%$62.05
15,600 at 2.56%$62.13
15,600 at 2.57%$62.21
15,600 at 2.58%$62.29
15,600 at 2.59%$62.37
15,600 at 2.6%$62.45
15,600 at 2.61%$62.53
15,600 at 2.62%$62.62
15,600 at 2.63%$62.70
15,600 at 2.64%$62.78
15,600 at 2.65%$62.86
15,600 at 2.66%$62.94
15,600 at 2.67%$63.03
15,600 at 2.68%$63.11
15,600 at 2.69%$63.19
15,600 at 2.7%$63.27
15,600 at 2.71%$63.36
15,600 at 2.72%$63.44
15,600 at 2.73%$63.52
15,600 at 2.74%$63.60
15,600 at 2.75%$63.69
15,600 at 2.76%$63.77
15,600 at 2.77%$63.85
15,600 at 2.78%$63.93
15,600 at 2.79%$64.02
15,600 at 2.8%$64.10
15,600 at 2.81%$64.18
15,600 at 2.82%$64.27
15,600 at 2.83%$64.35
15,600 at 2.84%$64.43
15,600 at 2.85%$64.51
15,600 at 2.86%$64.60
15,600 at 2.87%$64.68
15,600 at 2.88%$64.76
15,600 at 2.89%$64.85
15,600 at 2.9%$64.93
15,600 at 2.91%$65.02
15,600 at 2.92%$65.10
15,600 at 2.93%$65.18
15,600 at 2.94%$65.27
15,600 at 2.95%$65.35
15,600 at 2.96%$65.43
15,600 at 2.97%$65.52
15,600 at 2.98%$65.60
15,600 at 2.99%$65.69
15,600 at 3%$65.77
15,600 at 3.01%$65.85
15,600 at 3.02%$65.94
15,600 at 3.03%$66.02
15,600 at 3.04%$66.11
15,600 at 3.05%$66.19
15,600 at 3.06%$66.28
15,600 at 3.07%$66.36
15,600 at 3.08%$66.45
15,600 at 3.09%$66.53
15,600 at 3.1%$66.61
15,600 at 3.11%$66.70
15,600 at 3.12%$66.78
15,600 at 3.13%$66.87
15,600 at 3.14%$66.95
15,600 at 3.15%$67.04
15,600 at 3.16%$67.12
15,600 at 3.17%$67.21
15,600 at 3.18%$67.29
15,600 at 3.19%$67.38
15,600 at 3.2%$67.46
15,600 at 3.21%$67.55
15,600 at 3.22%$67.64
15,600 at 3.23%$67.72
15,600 at 3.24%$67.81
15,600 at 3.25%$67.89
15,600 at 3.26%$67.98
15,600 at 3.27%$68.06
15,600 at 3.28%$68.15
15,600 at 3.29%$68.24
15,600 at 3.3%$68.32
15,600 at 3.31%$68.41
15,600 at 3.32%$68.49
15,600 at 3.33%$68.58
15,600 at 3.34%$68.67
15,600 at 3.35%$68.75
15,600 at 3.36%$68.84
15,600 at 3.37%$68.92
15,600 at 3.38%$69.01
15,600 at 3.39%$69.10
15,600 at 3.4%$69.18
15,600 at 3.41%$69.27
15,600 at 3.42%$69.36
15,600 at 3.43%$69.44
15,600 at 3.44%$69.53
15,600 at 3.45%$69.62
15,600 at 3.46%$69.70
15,600 at 3.47%$69.79
15,600 at 3.48%$69.88
15,600 at 3.49%$69.96
15,600 at 3.5%$70.05
Interest Rate 30 Year
15,600 at 3.51%$70.14
15,600 at 3.52%$70.23
15,600 at 3.53%$70.31
15,600 at 3.54%$70.40
15,600 at 3.55%$70.49
15,600 at 3.56%$70.57
15,600 at 3.57%$70.66
15,600 at 3.58%$70.75
15,600 at 3.59%$70.84
15,600 at 3.6%$70.92
15,600 at 3.61%$71.01
15,600 at 3.62%$71.10
15,600 at 3.63%$71.19
15,600 at 3.64%$71.28
15,600 at 3.65%$71.36
15,600 at 3.66%$71.45
15,600 at 3.67%$71.54
15,600 at 3.68%$71.63
15,600 at 3.69%$71.72
15,600 at 3.7%$71.80
15,600 at 3.71%$71.89
15,600 at 3.72%$71.98
15,600 at 3.73%$72.07
15,600 at 3.74%$72.16
15,600 at 3.75%$72.25
15,600 at 3.76%$72.33
15,600 at 3.77%$72.42
15,600 at 3.78%$72.51
15,600 at 3.79%$72.60
15,600 at 3.8%$72.69
15,600 at 3.81%$72.78
15,600 at 3.82%$72.87
15,600 at 3.83%$72.96
15,600 at 3.84%$73.05
15,600 at 3.85%$73.13
15,600 at 3.86%$73.22
15,600 at 3.87%$73.31
15,600 at 3.88%$73.40
15,600 at 3.89%$73.49
15,600 at 3.9%$73.58
15,600 at 3.91%$73.67
15,600 at 3.92%$73.76
15,600 at 3.93%$73.85
15,600 at 3.94%$73.94
15,600 at 3.95%$74.03
15,600 at 3.96%$74.12
15,600 at 3.97%$74.21
15,600 at 3.98%$74.30
15,600 at 3.99%$74.39
15,600 at 4%$74.48
15,600 at 4.01%$74.57
15,600 at 4.02%$74.66
15,600 at 4.03%$74.75
15,600 at 4.04%$74.84
15,600 at 4.05%$74.93
15,600 at 4.06%$75.02
15,600 at 4.07%$75.11
15,600 at 4.08%$75.20
15,600 at 4.09%$75.29
15,600 at 4.1%$75.38
15,600 at 4.11%$75.47
15,600 at 4.12%$75.56
15,600 at 4.13%$75.65
15,600 at 4.14%$75.74
15,600 at 4.15%$75.83
15,600 at 4.16%$75.92
15,600 at 4.17%$76.01
15,600 at 4.18%$76.10
15,600 at 4.19%$76.20
15,600 at 4.2%$76.29
15,600 at 4.21%$76.38
15,600 at 4.22%$76.47
15,600 at 4.23%$76.56
15,600 at 4.24%$76.65
15,600 at 4.25%$76.74
15,600 at 4.26%$76.83
15,600 at 4.27%$76.93
15,600 at 4.28%$77.02
15,600 at 4.29%$77.11
15,600 at 4.3%$77.20
15,600 at 4.31%$77.29
15,600 at 4.32%$77.38
15,600 at 4.33%$77.47
15,600 at 4.34%$77.57
15,600 at 4.35%$77.66
15,600 at 4.36%$77.75
15,600 at 4.37%$77.84
15,600 at 4.38%$77.93
15,600 at 4.39%$78.03
15,600 at 4.4%$78.12
15,600 at 4.41%$78.21
15,600 at 4.42%$78.30
15,600 at 4.43%$78.40
15,600 at 4.44%$78.49
15,600 at 4.45%$78.58
15,600 at 4.46%$78.67
15,600 at 4.47%$78.77
15,600 at 4.48%$78.86
15,600 at 4.49%$78.95
15,600 at 4.5%$79.04
15,600 at 4.51%$79.14
15,600 at 4.52%$79.23
15,600 at 4.53%$79.32
15,600 at 4.54%$79.41
15,600 at 4.55%$79.51
15,600 at 4.56%$79.60
15,600 at 4.57%$79.69
15,600 at 4.58%$79.79
15,600 at 4.59%$79.88
15,600 at 4.6%$79.97
15,600 at 4.61%$80.07
15,600 at 4.62%$80.16
15,600 at 4.63%$80.25
15,600 at 4.64%$80.35
15,600 at 4.65%$80.44
15,600 at 4.66%$80.53
15,600 at 4.67%$80.63
15,600 at 4.68%$80.72
15,600 at 4.69%$80.81
15,600 at 4.7%$80.91
15,600 at 4.71%$81.00
15,600 at 4.72%$81.10
15,600 at 4.73%$81.19
15,600 at 4.74%$81.28
15,600 at 4.75%$81.38
15,600 at 4.76%$81.47
15,600 at 4.77%$81.57
15,600 at 4.78%$81.66
15,600 at 4.79%$81.75
15,600 at 4.8%$81.85
15,600 at 4.81%$81.94
15,600 at 4.82%$82.04
15,600 at 4.83%$82.13
15,600 at 4.84%$82.23
15,600 at 4.85%$82.32
15,600 at 4.86%$82.41
15,600 at 4.87%$82.51
15,600 at 4.88%$82.60
15,600 at 4.89%$82.70
15,600 at 4.9%$82.79
15,600 at 4.91%$82.89
15,600 at 4.92%$82.98
15,600 at 4.93%$83.08
15,600 at 4.94%$83.17
15,600 at 4.95%$83.27
15,600 at 4.96%$83.36
15,600 at 4.97%$83.46
15,600 at 4.98%$83.55
15,600 at 4.99%$83.65
15,600 at 5%$83.74
Interest Rate 30 Year
15,600 at 5.01%$83.84
15,600 at 5.02%$83.93
15,600 at 5.03%$84.03
15,600 at 5.04%$84.13
15,600 at 5.05%$84.22
15,600 at 5.06%$84.32
15,600 at 5.07%$84.41
15,600 at 5.08%$84.51
15,600 at 5.09%$84.60
15,600 at 5.1%$84.70
15,600 at 5.11%$84.80
15,600 at 5.12%$84.89
15,600 at 5.13%$84.99
15,600 at 5.14%$85.08
15,600 at 5.15%$85.18
15,600 at 5.16%$85.28
15,600 at 5.17%$85.37
15,600 at 5.18%$85.47
15,600 at 5.19%$85.56
15,600 at 5.2%$85.66
15,600 at 5.21%$85.76
15,600 at 5.22%$85.85
15,600 at 5.23%$85.95
15,600 at 5.24%$86.05
15,600 at 5.25%$86.14
15,600 at 5.26%$86.24
15,600 at 5.27%$86.34
15,600 at 5.28%$86.43
15,600 at 5.29%$86.53
15,600 at 5.3%$86.63
15,600 at 5.31%$86.72
15,600 at 5.32%$86.82
15,600 at 5.33%$86.92
15,600 at 5.34%$87.02
15,600 at 5.35%$87.11
15,600 at 5.36%$87.21
15,600 at 5.37%$87.31
15,600 at 5.38%$87.40
15,600 at 5.39%$87.50
15,600 at 5.4%$87.60
15,600 at 5.41%$87.70
15,600 at 5.42%$87.79
15,600 at 5.43%$87.89
15,600 at 5.44%$87.99
15,600 at 5.45%$88.09
15,600 at 5.46%$88.18
15,600 at 5.47%$88.28
15,600 at 5.48%$88.38
15,600 at 5.49%$88.48
15,600 at 5.5%$88.58
15,600 at 5.51%$88.67
15,600 at 5.52%$88.77
15,600 at 5.53%$88.87
15,600 at 5.54%$88.97
15,600 at 5.55%$89.07
15,600 at 5.56%$89.16
15,600 at 5.57%$89.26
15,600 at 5.58%$89.36
15,600 at 5.59%$89.46
15,600 at 5.6%$89.56
15,600 at 5.61%$89.65
15,600 at 5.62%$89.75
15,600 at 5.63%$89.85
15,600 at 5.64%$89.95
15,600 at 5.65%$90.05
15,600 at 5.66%$90.15
15,600 at 5.67%$90.25
15,600 at 5.68%$90.34
15,600 at 5.69%$90.44
15,600 at 5.7%$90.54
15,600 at 5.71%$90.64
15,600 at 5.72%$90.74
15,600 at 5.73%$90.84
15,600 at 5.74%$90.94
15,600 at 5.75%$91.04
15,600 at 5.76%$91.14
15,600 at 5.77%$91.24
15,600 at 5.78%$91.33
15,600 at 5.79%$91.43
15,600 at 5.8%$91.53
15,600 at 5.81%$91.63
15,600 at 5.82%$91.73
15,600 at 5.83%$91.83
15,600 at 5.84%$91.93
15,600 at 5.85%$92.03
15,600 at 5.86%$92.13
15,600 at 5.87%$92.23
15,600 at 5.88%$92.33
15,600 at 5.89%$92.43
15,600 at 5.9%$92.53
15,600 at 5.91%$92.63
15,600 at 5.92%$92.73
15,600 at 5.93%$92.83
15,600 at 5.94%$92.93
15,600 at 5.95%$93.03
15,600 at 5.96%$93.13
15,600 at 5.97%$93.23
15,600 at 5.98%$93.33
15,600 at 5.99%$93.43
15,600 at 6%$93.53
15,600 at 6.01%$93.63
15,600 at 6.02%$93.73
15,600 at 6.03%$93.83
15,600 at 6.04%$93.93
15,600 at 6.05%$94.03
15,600 at 6.06%$94.13
15,600 at 6.07%$94.23
15,600 at 6.08%$94.33
15,600 at 6.09%$94.43
15,600 at 6.1%$94.54
15,600 at 6.11%$94.64
15,600 at 6.12%$94.74
15,600 at 6.13%$94.84
15,600 at 6.14%$94.94
15,600 at 6.15%$95.04
15,600 at 6.16%$95.14
15,600 at 6.17%$95.24
15,600 at 6.18%$95.34
15,600 at 6.19%$95.44
15,600 at 6.2%$95.55
15,600 at 6.21%$95.65
15,600 at 6.22%$95.75
15,600 at 6.23%$95.85
15,600 at 6.24%$95.95
15,600 at 6.25%$96.05
15,600 at 6.26%$96.15
15,600 at 6.27%$96.25
15,600 at 6.28%$96.36
15,600 at 6.29%$96.46
15,600 at 6.3%$96.56
15,600 at 6.31%$96.66
15,600 at 6.32%$96.76
15,600 at 6.33%$96.87
15,600 at 6.34%$96.97
15,600 at 6.35%$97.07
15,600 at 6.36%$97.17
15,600 at 6.37%$97.27
15,600 at 6.38%$97.37
15,600 at 6.39%$97.48
15,600 at 6.4%$97.58
15,600 at 6.41%$97.68
15,600 at 6.42%$97.78
15,600 at 6.43%$97.89
15,600 at 6.44%$97.99
15,600 at 6.45%$98.09
15,600 at 6.46%$98.19
15,600 at 6.47%$98.30
15,600 at 6.48%$98.40
15,600 at 6.49%$98.50
15,600 at 6.5%$98.60
Interest Rate 30 Year
15,600 at 6.51%$98.71
15,600 at 6.52%$98.81
15,600 at 6.53%$98.91
15,600 at 6.54%$99.01
15,600 at 6.55%$99.12
15,600 at 6.56%$99.22
15,600 at 6.57%$99.32
15,600 at 6.58%$99.42
15,600 at 6.59%$99.53
15,600 at 6.6%$99.63
15,600 at 6.61%$99.73
15,600 at 6.62%$99.84
15,600 at 6.63%$99.94
15,600 at 6.64%$100.04
15,600 at 6.65%$100.15
15,600 at 6.66%$100.25
15,600 at 6.67%$100.35
15,600 at 6.68%$100.46
15,600 at 6.69%$100.56
15,600 at 6.7%$100.66
15,600 at 6.71%$100.77
15,600 at 6.72%$100.87
15,600 at 6.73%$100.97
15,600 at 6.74%$101.08
15,600 at 6.75%$101.18
15,600 at 6.76%$101.29
15,600 at 6.77%$101.39
15,600 at 6.78%$101.49
15,600 at 6.79%$101.60
15,600 at 6.8%$101.70
15,600 at 6.81%$101.80
15,600 at 6.82%$101.91
15,600 at 6.83%$102.01
15,600 at 6.84%$102.12
15,600 at 6.85%$102.22
15,600 at 6.86%$102.32
15,600 at 6.87%$102.43
15,600 at 6.88%$102.53
15,600 at 6.89%$102.64
15,600 at 6.9%$102.74
15,600 at 6.91%$102.85
15,600 at 6.92%$102.95
15,600 at 6.93%$103.05
15,600 at 6.94%$103.16
15,600 at 6.95%$103.26
15,600 at 6.96%$103.37
15,600 at 6.97%$103.47
15,600 at 6.98%$103.58
15,600 at 6.99%$103.68
15,600 at 7%$103.79
15,600 at 7.01%$103.89
15,600 at 7.02%$104.00
15,600 at 7.03%$104.10
15,600 at 7.04%$104.21
15,600 at 7.05%$104.31
15,600 at 7.06%$104.42
15,600 at 7.07%$104.52
15,600 at 7.08%$104.63
15,600 at 7.09%$104.73
15,600 at 7.1%$104.84
15,600 at 7.11%$104.94
15,600 at 7.12%$105.05
15,600 at 7.13%$105.15
15,600 at 7.14%$105.26
15,600 at 7.15%$105.36
15,600 at 7.16%$105.47
15,600 at 7.17%$105.57
15,600 at 7.18%$105.68
15,600 at 7.19%$105.79
15,600 at 7.2%$105.89
15,600 at 7.21%$106.00
15,600 at 7.22%$106.10
15,600 at 7.23%$106.21
15,600 at 7.24%$106.31
15,600 at 7.25%$106.42
15,600 at 7.26%$106.53
15,600 at 7.27%$106.63
15,600 at 7.28%$106.74
15,600 at 7.29%$106.84
15,600 at 7.3%$106.95
15,600 at 7.31%$107.06
15,600 at 7.32%$107.16
15,600 at 7.33%$107.27
15,600 at 7.34%$107.37
15,600 at 7.35%$107.48
15,600 at 7.36%$107.59
15,600 at 7.37%$107.69
15,600 at 7.38%$107.80
15,600 at 7.39%$107.90
15,600 at 7.4%$108.01
15,600 at 7.41%$108.12
15,600 at 7.42%$108.22
15,600 at 7.43%$108.33
15,600 at 7.44%$108.44
15,600 at 7.45%$108.54
15,600 at 7.46%$108.65
15,600 at 7.47%$108.76
15,600 at 7.48%$108.86
15,600 at 7.49%$108.97
15,600 at 7.5%$109.08
15,600 at 7.51%$109.18
15,600 at 7.52%$109.29
15,600 at 7.53%$109.40
15,600 at 7.54%$109.51
15,600 at 7.55%$109.61
15,600 at 7.56%$109.72
15,600 at 7.57%$109.83
15,600 at 7.58%$109.93
15,600 at 7.59%$110.04
15,600 at 7.6%$110.15
15,600 at 7.61%$110.25
15,600 at 7.62%$110.36
15,600 at 7.63%$110.47
15,600 at 7.64%$110.58
15,600 at 7.65%$110.68
15,600 at 7.66%$110.79
15,600 at 7.67%$110.90
15,600 at 7.68%$111.01
15,600 at 7.69%$111.11
15,600 at 7.7%$111.22
15,600 at 7.71%$111.33
15,600 at 7.72%$111.44
15,600 at 7.73%$111.54
15,600 at 7.74%$111.65
15,600 at 7.75%$111.76
15,600 at 7.76%$111.87
15,600 at 7.77%$111.98
15,600 at 7.78%$112.08
15,600 at 7.79%$112.19
15,600 at 7.8%$112.30
15,600 at 7.81%$112.41
15,600 at 7.82%$112.52
15,600 at 7.83%$112.62
15,600 at 7.84%$112.73
15,600 at 7.85%$112.84
15,600 at 7.86%$112.95
15,600 at 7.87%$113.06
15,600 at 7.88%$113.16
15,600 at 7.89%$113.27
15,600 at 7.9%$113.38
15,600 at 7.91%$113.49
15,600 at 7.92%$113.60
15,600 at 7.93%$113.71
15,600 at 7.94%$113.82
15,600 at 7.95%$113.92
15,600 at 7.96%$114.03
15,600 at 7.97%$114.14
15,600 at 7.98%$114.25
15,600 at 7.99%$114.36
15,600 at 8%$114.47
More Amounts
What is the down payment for a $15,600 house? How much do you need to put down?
Percent Down Down Payment
1%156
2%312
3%468
4%624
5%780
6%936
7%1,092
8%1,248
9%1,404
10%1,560
11%1,716
12%1,872
13%2,028
14%2,184
15%2,340
16%2,496
17%2,652
18%2,808
19%2,964
20%3,120
Percent Down Down Payment
21%3,276
22%3,432
23%3,588
24%3,744
25%3,900
26%4,056
27%4,212
28%4,368
29%4,524
30%4,680
31%4,836
32%4,992
33%5,148
34%5,304
35%5,460
36%5,616
37%5,772
38%5,928
39%6,084
40%6,240
Percent Down Down Payment
41%6,396
42%6,552
43%6,708
44%6,864
45%7,020
46%7,176
47%7,332
48%7,488
49%7,644
50%7,800
51%7,956
52%8,112
53%8,268
54%8,424
55%8,580
56%8,736
57%8,892
58%9,048
59%9,204
60%9,360
Percent Down Down Payment
61%9,516
62%9,672
63%9,828
64%9,984
65%10,140
66%10,296
67%10,452
68%10,608
69%10,764
70%10,920
71%11,076
72%11,232
73%11,388
74%11,544
75%11,700
76%11,856
77%12,012
78%12,168
79%12,324
80%12,480
Percent Down Down Payment
81%12,636
82%12,792
83%12,948
84%13,104
85%13,260
86%13,416
87%13,572
88%13,728
89%13,884
90%14,040
91%14,196
92%14,352
93%14,508
94%14,664
95%14,820
96%14,976
97%15,132
98%15,288
99%15,444
100%15,600
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.