$16,350 Mortgage for 30 Years

What is the monthly payment of a 16,350 dollar loan?
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Loan Tables for a $16,350 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 $16,350 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
16,350 at 2.01%$60.51
16,350 at 2.02%$60.60
16,350 at 2.03%$60.68
16,350 at 2.04%$60.76
16,350 at 2.05%$60.84
16,350 at 2.06%$60.92
16,350 at 2.07%$61.01
16,350 at 2.08%$61.09
16,350 at 2.09%$61.17
16,350 at 2.1%$61.25
16,350 at 2.11%$61.34
16,350 at 2.12%$61.42
16,350 at 2.13%$61.50
16,350 at 2.14%$61.58
16,350 at 2.15%$61.67
16,350 at 2.16%$61.75
16,350 at 2.17%$61.83
16,350 at 2.18%$61.92
16,350 at 2.19%$62.00
16,350 at 2.2%$62.08
16,350 at 2.21%$62.16
16,350 at 2.22%$62.25
16,350 at 2.23%$62.33
16,350 at 2.24%$62.41
16,350 at 2.25%$62.50
16,350 at 2.26%$62.58
16,350 at 2.27%$62.66
16,350 at 2.28%$62.75
16,350 at 2.29%$62.83
16,350 at 2.3%$62.92
16,350 at 2.31%$63.00
16,350 at 2.32%$63.08
16,350 at 2.33%$63.17
16,350 at 2.34%$63.25
16,350 at 2.35%$63.33
16,350 at 2.36%$63.42
16,350 at 2.37%$63.50
16,350 at 2.38%$63.59
16,350 at 2.39%$63.67
16,350 at 2.4%$63.76
16,350 at 2.41%$63.84
16,350 at 2.42%$63.92
16,350 at 2.43%$64.01
16,350 at 2.44%$64.09
16,350 at 2.45%$64.18
16,350 at 2.46%$64.26
16,350 at 2.47%$64.35
16,350 at 2.48%$64.43
16,350 at 2.49%$64.52
16,350 at 2.5%$64.60
16,350 at 2.51%$64.69
16,350 at 2.52%$64.77
16,350 at 2.53%$64.86
16,350 at 2.54%$64.94
16,350 at 2.55%$65.03
16,350 at 2.56%$65.11
16,350 at 2.57%$65.20
16,350 at 2.58%$65.28
16,350 at 2.59%$65.37
16,350 at 2.6%$65.46
16,350 at 2.61%$65.54
16,350 at 2.62%$65.63
16,350 at 2.63%$65.71
16,350 at 2.64%$65.80
16,350 at 2.65%$65.88
16,350 at 2.66%$65.97
16,350 at 2.67%$66.06
16,350 at 2.68%$66.14
16,350 at 2.69%$66.23
16,350 at 2.7%$66.32
16,350 at 2.71%$66.40
16,350 at 2.72%$66.49
16,350 at 2.73%$66.57
16,350 at 2.74%$66.66
16,350 at 2.75%$66.75
16,350 at 2.76%$66.83
16,350 at 2.77%$66.92
16,350 at 2.78%$67.01
16,350 at 2.79%$67.09
16,350 at 2.8%$67.18
16,350 at 2.81%$67.27
16,350 at 2.82%$67.36
16,350 at 2.83%$67.44
16,350 at 2.84%$67.53
16,350 at 2.85%$67.62
16,350 at 2.86%$67.70
16,350 at 2.87%$67.79
16,350 at 2.88%$67.88
16,350 at 2.89%$67.97
16,350 at 2.9%$68.05
16,350 at 2.91%$68.14
16,350 at 2.92%$68.23
16,350 at 2.93%$68.32
16,350 at 2.94%$68.40
16,350 at 2.95%$68.49
16,350 at 2.96%$68.58
16,350 at 2.97%$68.67
16,350 at 2.98%$68.76
16,350 at 2.99%$68.84
16,350 at 3%$68.93
16,350 at 3.01%$69.02
16,350 at 3.02%$69.11
16,350 at 3.03%$69.20
16,350 at 3.04%$69.29
16,350 at 3.05%$69.37
16,350 at 3.06%$69.46
16,350 at 3.07%$69.55
16,350 at 3.08%$69.64
16,350 at 3.09%$69.73
16,350 at 3.1%$69.82
16,350 at 3.11%$69.91
16,350 at 3.12%$69.99
16,350 at 3.13%$70.08
16,350 at 3.14%$70.17
16,350 at 3.15%$70.26
16,350 at 3.16%$70.35
16,350 at 3.17%$70.44
16,350 at 3.18%$70.53
16,350 at 3.19%$70.62
16,350 at 3.2%$70.71
16,350 at 3.21%$70.80
16,350 at 3.22%$70.89
16,350 at 3.23%$70.98
16,350 at 3.24%$71.07
16,350 at 3.25%$71.16
16,350 at 3.26%$71.25
16,350 at 3.27%$71.34
16,350 at 3.28%$71.43
16,350 at 3.29%$71.52
16,350 at 3.3%$71.61
16,350 at 3.31%$71.70
16,350 at 3.32%$71.79
16,350 at 3.33%$71.88
16,350 at 3.34%$71.97
16,350 at 3.35%$72.06
16,350 at 3.36%$72.15
16,350 at 3.37%$72.24
16,350 at 3.38%$72.33
16,350 at 3.39%$72.42
16,350 at 3.4%$72.51
16,350 at 3.41%$72.60
16,350 at 3.42%$72.69
16,350 at 3.43%$72.78
16,350 at 3.44%$72.87
16,350 at 3.45%$72.96
16,350 at 3.46%$73.05
16,350 at 3.47%$73.15
16,350 at 3.48%$73.24
16,350 at 3.49%$73.33
16,350 at 3.5%$73.42
Interest Rate 30 Year
16,350 at 3.51%$73.51
16,350 at 3.52%$73.60
16,350 at 3.53%$73.69
16,350 at 3.54%$73.78
16,350 at 3.55%$73.88
16,350 at 3.56%$73.97
16,350 at 3.57%$74.06
16,350 at 3.58%$74.15
16,350 at 3.59%$74.24
16,350 at 3.6%$74.33
16,350 at 3.61%$74.43
16,350 at 3.62%$74.52
16,350 at 3.63%$74.61
16,350 at 3.64%$74.70
16,350 at 3.65%$74.79
16,350 at 3.66%$74.89
16,350 at 3.67%$74.98
16,350 at 3.68%$75.07
16,350 at 3.69%$75.16
16,350 at 3.7%$75.26
16,350 at 3.71%$75.35
16,350 at 3.72%$75.44
16,350 at 3.73%$75.53
16,350 at 3.74%$75.63
16,350 at 3.75%$75.72
16,350 at 3.76%$75.81
16,350 at 3.77%$75.91
16,350 at 3.78%$76.00
16,350 at 3.79%$76.09
16,350 at 3.8%$76.18
16,350 at 3.81%$76.28
16,350 at 3.82%$76.37
16,350 at 3.83%$76.46
16,350 at 3.84%$76.56
16,350 at 3.85%$76.65
16,350 at 3.86%$76.74
16,350 at 3.87%$76.84
16,350 at 3.88%$76.93
16,350 at 3.89%$77.02
16,350 at 3.9%$77.12
16,350 at 3.91%$77.21
16,350 at 3.92%$77.31
16,350 at 3.93%$77.40
16,350 at 3.94%$77.49
16,350 at 3.95%$77.59
16,350 at 3.96%$77.68
16,350 at 3.97%$77.77
16,350 at 3.98%$77.87
16,350 at 3.99%$77.96
16,350 at 4%$78.06
16,350 at 4.01%$78.15
16,350 at 4.02%$78.25
16,350 at 4.03%$78.34
16,350 at 4.04%$78.43
16,350 at 4.05%$78.53
16,350 at 4.06%$78.62
16,350 at 4.07%$78.72
16,350 at 4.08%$78.81
16,350 at 4.09%$78.91
16,350 at 4.1%$79.00
16,350 at 4.11%$79.10
16,350 at 4.12%$79.19
16,350 at 4.13%$79.29
16,350 at 4.14%$79.38
16,350 at 4.15%$79.48
16,350 at 4.16%$79.57
16,350 at 4.17%$79.67
16,350 at 4.18%$79.76
16,350 at 4.19%$79.86
16,350 at 4.2%$79.95
16,350 at 4.21%$80.05
16,350 at 4.22%$80.15
16,350 at 4.23%$80.24
16,350 at 4.24%$80.34
16,350 at 4.25%$80.43
16,350 at 4.26%$80.53
16,350 at 4.27%$80.62
16,350 at 4.28%$80.72
16,350 at 4.29%$80.82
16,350 at 4.3%$80.91
16,350 at 4.31%$81.01
16,350 at 4.32%$81.10
16,350 at 4.33%$81.20
16,350 at 4.34%$81.30
16,350 at 4.35%$81.39
16,350 at 4.36%$81.49
16,350 at 4.37%$81.58
16,350 at 4.38%$81.68
16,350 at 4.39%$81.78
16,350 at 4.4%$81.87
16,350 at 4.41%$81.97
16,350 at 4.42%$82.07
16,350 at 4.43%$82.16
16,350 at 4.44%$82.26
16,350 at 4.45%$82.36
16,350 at 4.46%$82.45
16,350 at 4.47%$82.55
16,350 at 4.48%$82.65
16,350 at 4.49%$82.75
16,350 at 4.5%$82.84
16,350 at 4.51%$82.94
16,350 at 4.52%$83.04
16,350 at 4.53%$83.13
16,350 at 4.54%$83.23
16,350 at 4.55%$83.33
16,350 at 4.56%$83.43
16,350 at 4.57%$83.52
16,350 at 4.58%$83.62
16,350 at 4.59%$83.72
16,350 at 4.6%$83.82
16,350 at 4.61%$83.92
16,350 at 4.62%$84.01
16,350 at 4.63%$84.11
16,350 at 4.64%$84.21
16,350 at 4.65%$84.31
16,350 at 4.66%$84.40
16,350 at 4.67%$84.50
16,350 at 4.68%$84.60
16,350 at 4.69%$84.70
16,350 at 4.7%$84.80
16,350 at 4.71%$84.90
16,350 at 4.72%$84.99
16,350 at 4.73%$85.09
16,350 at 4.74%$85.19
16,350 at 4.75%$85.29
16,350 at 4.76%$85.39
16,350 at 4.77%$85.49
16,350 at 4.78%$85.59
16,350 at 4.79%$85.68
16,350 at 4.8%$85.78
16,350 at 4.81%$85.88
16,350 at 4.82%$85.98
16,350 at 4.83%$86.08
16,350 at 4.84%$86.18
16,350 at 4.85%$86.28
16,350 at 4.86%$86.38
16,350 at 4.87%$86.48
16,350 at 4.88%$86.58
16,350 at 4.89%$86.67
16,350 at 4.9%$86.77
16,350 at 4.91%$86.87
16,350 at 4.92%$86.97
16,350 at 4.93%$87.07
16,350 at 4.94%$87.17
16,350 at 4.95%$87.27
16,350 at 4.96%$87.37
16,350 at 4.97%$87.47
16,350 at 4.98%$87.57
16,350 at 4.99%$87.67
16,350 at 5%$87.77
Interest Rate 30 Year
16,350 at 5.01%$87.87
16,350 at 5.02%$87.97
16,350 at 5.03%$88.07
16,350 at 5.04%$88.17
16,350 at 5.05%$88.27
16,350 at 5.06%$88.37
16,350 at 5.07%$88.47
16,350 at 5.08%$88.57
16,350 at 5.09%$88.67
16,350 at 5.1%$88.77
16,350 at 5.11%$88.87
16,350 at 5.12%$88.97
16,350 at 5.13%$89.07
16,350 at 5.14%$89.17
16,350 at 5.15%$89.28
16,350 at 5.16%$89.38
16,350 at 5.17%$89.48
16,350 at 5.18%$89.58
16,350 at 5.19%$89.68
16,350 at 5.2%$89.78
16,350 at 5.21%$89.88
16,350 at 5.22%$89.98
16,350 at 5.23%$90.08
16,350 at 5.24%$90.18
16,350 at 5.25%$90.29
16,350 at 5.26%$90.39
16,350 at 5.27%$90.49
16,350 at 5.28%$90.59
16,350 at 5.29%$90.69
16,350 at 5.3%$90.79
16,350 at 5.31%$90.89
16,350 at 5.32%$91.00
16,350 at 5.33%$91.10
16,350 at 5.34%$91.20
16,350 at 5.35%$91.30
16,350 at 5.36%$91.40
16,350 at 5.37%$91.50
16,350 at 5.38%$91.61
16,350 at 5.39%$91.71
16,350 at 5.4%$91.81
16,350 at 5.41%$91.91
16,350 at 5.42%$92.01
16,350 at 5.43%$92.12
16,350 at 5.44%$92.22
16,350 at 5.45%$92.32
16,350 at 5.46%$92.42
16,350 at 5.47%$92.53
16,350 at 5.48%$92.63
16,350 at 5.49%$92.73
16,350 at 5.5%$92.83
16,350 at 5.51%$92.94
16,350 at 5.52%$93.04
16,350 at 5.53%$93.14
16,350 at 5.54%$93.24
16,350 at 5.55%$93.35
16,350 at 5.56%$93.45
16,350 at 5.57%$93.55
16,350 at 5.58%$93.66
16,350 at 5.59%$93.76
16,350 at 5.6%$93.86
16,350 at 5.61%$93.97
16,350 at 5.62%$94.07
16,350 at 5.63%$94.17
16,350 at 5.64%$94.27
16,350 at 5.65%$94.38
16,350 at 5.66%$94.48
16,350 at 5.67%$94.58
16,350 at 5.68%$94.69
16,350 at 5.69%$94.79
16,350 at 5.7%$94.90
16,350 at 5.71%$95.00
16,350 at 5.72%$95.10
16,350 at 5.73%$95.21
16,350 at 5.74%$95.31
16,350 at 5.75%$95.41
16,350 at 5.76%$95.52
16,350 at 5.77%$95.62
16,350 at 5.78%$95.73
16,350 at 5.79%$95.83
16,350 at 5.8%$95.93
16,350 at 5.81%$96.04
16,350 at 5.82%$96.14
16,350 at 5.83%$96.25
16,350 at 5.84%$96.35
16,350 at 5.85%$96.46
16,350 at 5.86%$96.56
16,350 at 5.87%$96.66
16,350 at 5.88%$96.77
16,350 at 5.89%$96.87
16,350 at 5.9%$96.98
16,350 at 5.91%$97.08
16,350 at 5.92%$97.19
16,350 at 5.93%$97.29
16,350 at 5.94%$97.40
16,350 at 5.95%$97.50
16,350 at 5.96%$97.61
16,350 at 5.97%$97.71
16,350 at 5.98%$97.82
16,350 at 5.99%$97.92
16,350 at 6%$98.03
16,350 at 6.01%$98.13
16,350 at 6.02%$98.24
16,350 at 6.03%$98.34
16,350 at 6.04%$98.45
16,350 at 6.05%$98.55
16,350 at 6.06%$98.66
16,350 at 6.07%$98.76
16,350 at 6.08%$98.87
16,350 at 6.09%$98.97
16,350 at 6.1%$99.08
16,350 at 6.11%$99.19
16,350 at 6.12%$99.29
16,350 at 6.13%$99.40
16,350 at 6.14%$99.50
16,350 at 6.15%$99.61
16,350 at 6.16%$99.71
16,350 at 6.17%$99.82
16,350 at 6.18%$99.93
16,350 at 6.19%$100.03
16,350 at 6.2%$100.14
16,350 at 6.21%$100.24
16,350 at 6.22%$100.35
16,350 at 6.23%$100.46
16,350 at 6.24%$100.56
16,350 at 6.25%$100.67
16,350 at 6.26%$100.78
16,350 at 6.27%$100.88
16,350 at 6.28%$100.99
16,350 at 6.29%$101.10
16,350 at 6.3%$101.20
16,350 at 6.31%$101.31
16,350 at 6.32%$101.42
16,350 at 6.33%$101.52
16,350 at 6.34%$101.63
16,350 at 6.35%$101.74
16,350 at 6.36%$101.84
16,350 at 6.37%$101.95
16,350 at 6.38%$102.06
16,350 at 6.39%$102.16
16,350 at 6.4%$102.27
16,350 at 6.41%$102.38
16,350 at 6.42%$102.48
16,350 at 6.43%$102.59
16,350 at 6.44%$102.70
16,350 at 6.45%$102.81
16,350 at 6.46%$102.91
16,350 at 6.47%$103.02
16,350 at 6.48%$103.13
16,350 at 6.49%$103.24
16,350 at 6.5%$103.34
Interest Rate 30 Year
16,350 at 6.51%$103.45
16,350 at 6.52%$103.56
16,350 at 6.53%$103.67
16,350 at 6.54%$103.77
16,350 at 6.55%$103.88
16,350 at 6.56%$103.99
16,350 at 6.57%$104.10
16,350 at 6.58%$104.20
16,350 at 6.59%$104.31
16,350 at 6.6%$104.42
16,350 at 6.61%$104.53
16,350 at 6.62%$104.64
16,350 at 6.63%$104.74
16,350 at 6.64%$104.85
16,350 at 6.65%$104.96
16,350 at 6.66%$105.07
16,350 at 6.67%$105.18
16,350 at 6.68%$105.29
16,350 at 6.69%$105.39
16,350 at 6.7%$105.50
16,350 at 6.71%$105.61
16,350 at 6.72%$105.72
16,350 at 6.73%$105.83
16,350 at 6.74%$105.94
16,350 at 6.75%$106.05
16,350 at 6.76%$106.15
16,350 at 6.77%$106.26
16,350 at 6.78%$106.37
16,350 at 6.79%$106.48
16,350 at 6.8%$106.59
16,350 at 6.81%$106.70
16,350 at 6.82%$106.81
16,350 at 6.83%$106.92
16,350 at 6.84%$107.03
16,350 at 6.85%$107.13
16,350 at 6.86%$107.24
16,350 at 6.87%$107.35
16,350 at 6.88%$107.46
16,350 at 6.89%$107.57
16,350 at 6.9%$107.68
16,350 at 6.91%$107.79
16,350 at 6.92%$107.90
16,350 at 6.93%$108.01
16,350 at 6.94%$108.12
16,350 at 6.95%$108.23
16,350 at 6.96%$108.34
16,350 at 6.97%$108.45
16,350 at 6.98%$108.56
16,350 at 6.99%$108.67
16,350 at 7%$108.78
16,350 at 7.01%$108.89
16,350 at 7.02%$109.00
16,350 at 7.03%$109.11
16,350 at 7.04%$109.22
16,350 at 7.05%$109.33
16,350 at 7.06%$109.44
16,350 at 7.07%$109.55
16,350 at 7.08%$109.66
16,350 at 7.09%$109.77
16,350 at 7.1%$109.88
16,350 at 7.11%$109.99
16,350 at 7.12%$110.10
16,350 at 7.13%$110.21
16,350 at 7.14%$110.32
16,350 at 7.15%$110.43
16,350 at 7.16%$110.54
16,350 at 7.17%$110.65
16,350 at 7.18%$110.76
16,350 at 7.19%$110.87
16,350 at 7.2%$110.98
16,350 at 7.21%$111.09
16,350 at 7.22%$111.20
16,350 at 7.23%$111.31
16,350 at 7.24%$111.42
16,350 at 7.25%$111.54
16,350 at 7.26%$111.65
16,350 at 7.27%$111.76
16,350 at 7.28%$111.87
16,350 at 7.29%$111.98
16,350 at 7.3%$112.09
16,350 at 7.31%$112.20
16,350 at 7.32%$112.31
16,350 at 7.33%$112.42
16,350 at 7.34%$112.54
16,350 at 7.35%$112.65
16,350 at 7.36%$112.76
16,350 at 7.37%$112.87
16,350 at 7.38%$112.98
16,350 at 7.39%$113.09
16,350 at 7.4%$113.20
16,350 at 7.41%$113.32
16,350 at 7.42%$113.43
16,350 at 7.43%$113.54
16,350 at 7.44%$113.65
16,350 at 7.45%$113.76
16,350 at 7.46%$113.87
16,350 at 7.47%$113.99
16,350 at 7.48%$114.10
16,350 at 7.49%$114.21
16,350 at 7.5%$114.32
16,350 at 7.51%$114.43
16,350 at 7.52%$114.55
16,350 at 7.53%$114.66
16,350 at 7.54%$114.77
16,350 at 7.55%$114.88
16,350 at 7.56%$114.99
16,350 at 7.57%$115.11
16,350 at 7.58%$115.22
16,350 at 7.59%$115.33
16,350 at 7.6%$115.44
16,350 at 7.61%$115.56
16,350 at 7.62%$115.67
16,350 at 7.63%$115.78
16,350 at 7.64%$115.89
16,350 at 7.65%$116.01
16,350 at 7.66%$116.12
16,350 at 7.67%$116.23
16,350 at 7.68%$116.34
16,350 at 7.69%$116.46
16,350 at 7.7%$116.57
16,350 at 7.71%$116.68
16,350 at 7.72%$116.79
16,350 at 7.73%$116.91
16,350 at 7.74%$117.02
16,350 at 7.75%$117.13
16,350 at 7.76%$117.25
16,350 at 7.77%$117.36
16,350 at 7.78%$117.47
16,350 at 7.79%$117.59
16,350 at 7.8%$117.70
16,350 at 7.81%$117.81
16,350 at 7.82%$117.93
16,350 at 7.83%$118.04
16,350 at 7.84%$118.15
16,350 at 7.85%$118.27
16,350 at 7.86%$118.38
16,350 at 7.87%$118.49
16,350 at 7.88%$118.61
16,350 at 7.89%$118.72
16,350 at 7.9%$118.83
16,350 at 7.91%$118.95
16,350 at 7.92%$119.06
16,350 at 7.93%$119.17
16,350 at 7.94%$119.29
16,350 at 7.95%$119.40
16,350 at 7.96%$119.51
16,350 at 7.97%$119.63
16,350 at 7.98%$119.74
16,350 at 7.99%$119.86
16,350 at 8%$119.97
More Amounts
What is the down payment for a $16,350 house? How much do you need to put down?
Percent Down Down Payment
1%164
2%327
3%491
4%654
5%818
6%981
7%1,145
8%1,308
9%1,472
10%1,635
11%1,799
12%1,962
13%2,126
14%2,289
15%2,453
16%2,616
17%2,780
18%2,943
19%3,107
20%3,270
Percent Down Down Payment
21%3,434
22%3,597
23%3,761
24%3,924
25%4,088
26%4,251
27%4,415
28%4,578
29%4,742
30%4,905
31%5,069
32%5,232
33%5,396
34%5,559
35%5,723
36%5,886
37%6,050
38%6,213
39%6,377
40%6,540
Percent Down Down Payment
41%6,704
42%6,867
43%7,031
44%7,194
45%7,358
46%7,521
47%7,685
48%7,848
49%8,012
50%8,175
51%8,339
52%8,502
53%8,666
54%8,829
55%8,993
56%9,156
57%9,320
58%9,483
59%9,647
60%9,810
Percent Down Down Payment
61%9,974
62%10,137
63%10,301
64%10,464
65%10,628
66%10,791
67%10,955
68%11,118
69%11,282
70%11,445
71%11,609
72%11,772
73%11,936
74%12,099
75%12,263
76%12,426
77%12,590
78%12,753
79%12,917
80%13,080
Percent Down Down Payment
81%13,244
82%13,407
83%13,571
84%13,734
85%13,898
86%14,061
87%14,225
88%14,388
89%14,552
90%14,715
91%14,879
92%15,042
93%15,206
94%15,369
95%15,533
96%15,696
97%15,860
98%16,023
99%16,187
100%16,350
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.