$16,950 Mortgage for 30 Years

What is the monthly payment of a 16,950 dollar loan?
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Loan Tables for a $16,950 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 17k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $16,950 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
16,950 at 2.01%$62.74
16,950 at 2.02%$62.82
16,950 at 2.03%$62.91
16,950 at 2.04%$62.99
16,950 at 2.05%$63.08
16,950 at 2.06%$63.16
16,950 at 2.07%$63.25
16,950 at 2.08%$63.33
16,950 at 2.09%$63.42
16,950 at 2.1%$63.50
16,950 at 2.11%$63.59
16,950 at 2.12%$63.67
16,950 at 2.13%$63.76
16,950 at 2.14%$63.84
16,950 at 2.15%$63.93
16,950 at 2.16%$64.02
16,950 at 2.17%$64.10
16,950 at 2.18%$64.19
16,950 at 2.19%$64.27
16,950 at 2.2%$64.36
16,950 at 2.21%$64.45
16,950 at 2.22%$64.53
16,950 at 2.23%$64.62
16,950 at 2.24%$64.70
16,950 at 2.25%$64.79
16,950 at 2.26%$64.88
16,950 at 2.27%$64.96
16,950 at 2.28%$65.05
16,950 at 2.29%$65.14
16,950 at 2.3%$65.22
16,950 at 2.31%$65.31
16,950 at 2.32%$65.40
16,950 at 2.33%$65.48
16,950 at 2.34%$65.57
16,950 at 2.35%$65.66
16,950 at 2.36%$65.75
16,950 at 2.37%$65.83
16,950 at 2.38%$65.92
16,950 at 2.39%$66.01
16,950 at 2.4%$66.10
16,950 at 2.41%$66.18
16,950 at 2.42%$66.27
16,950 at 2.43%$66.36
16,950 at 2.44%$66.45
16,950 at 2.45%$66.53
16,950 at 2.46%$66.62
16,950 at 2.47%$66.71
16,950 at 2.48%$66.80
16,950 at 2.49%$66.88
16,950 at 2.5%$66.97
16,950 at 2.51%$67.06
16,950 at 2.52%$67.15
16,950 at 2.53%$67.24
16,950 at 2.54%$67.33
16,950 at 2.55%$67.41
16,950 at 2.56%$67.50
16,950 at 2.57%$67.59
16,950 at 2.58%$67.68
16,950 at 2.59%$67.77
16,950 at 2.6%$67.86
16,950 at 2.61%$67.95
16,950 at 2.62%$68.04
16,950 at 2.63%$68.12
16,950 at 2.64%$68.21
16,950 at 2.65%$68.30
16,950 at 2.66%$68.39
16,950 at 2.67%$68.48
16,950 at 2.68%$68.57
16,950 at 2.69%$68.66
16,950 at 2.7%$68.75
16,950 at 2.71%$68.84
16,950 at 2.72%$68.93
16,950 at 2.73%$69.02
16,950 at 2.74%$69.11
16,950 at 2.75%$69.20
16,950 at 2.76%$69.29
16,950 at 2.77%$69.38
16,950 at 2.78%$69.47
16,950 at 2.79%$69.56
16,950 at 2.8%$69.65
16,950 at 2.81%$69.74
16,950 at 2.82%$69.83
16,950 at 2.83%$69.92
16,950 at 2.84%$70.01
16,950 at 2.85%$70.10
16,950 at 2.86%$70.19
16,950 at 2.87%$70.28
16,950 at 2.88%$70.37
16,950 at 2.89%$70.46
16,950 at 2.9%$70.55
16,950 at 2.91%$70.64
16,950 at 2.92%$70.73
16,950 at 2.93%$70.82
16,950 at 2.94%$70.91
16,950 at 2.95%$71.01
16,950 at 2.96%$71.10
16,950 at 2.97%$71.19
16,950 at 2.98%$71.28
16,950 at 2.99%$71.37
16,950 at 3%$71.46
16,950 at 3.01%$71.55
16,950 at 3.02%$71.64
16,950 at 3.03%$71.74
16,950 at 3.04%$71.83
16,950 at 3.05%$71.92
16,950 at 3.06%$72.01
16,950 at 3.07%$72.10
16,950 at 3.08%$72.20
16,950 at 3.09%$72.29
16,950 at 3.1%$72.38
16,950 at 3.11%$72.47
16,950 at 3.12%$72.56
16,950 at 3.13%$72.66
16,950 at 3.14%$72.75
16,950 at 3.15%$72.84
16,950 at 3.16%$72.93
16,950 at 3.17%$73.03
16,950 at 3.18%$73.12
16,950 at 3.19%$73.21
16,950 at 3.2%$73.30
16,950 at 3.21%$73.40
16,950 at 3.22%$73.49
16,950 at 3.23%$73.58
16,950 at 3.24%$73.67
16,950 at 3.25%$73.77
16,950 at 3.26%$73.86
16,950 at 3.27%$73.95
16,950 at 3.28%$74.05
16,950 at 3.29%$74.14
16,950 at 3.3%$74.23
16,950 at 3.31%$74.33
16,950 at 3.32%$74.42
16,950 at 3.33%$74.51
16,950 at 3.34%$74.61
16,950 at 3.35%$74.70
16,950 at 3.36%$74.79
16,950 at 3.37%$74.89
16,950 at 3.38%$74.98
16,950 at 3.39%$75.08
16,950 at 3.4%$75.17
16,950 at 3.41%$75.26
16,950 at 3.42%$75.36
16,950 at 3.43%$75.45
16,950 at 3.44%$75.55
16,950 at 3.45%$75.64
16,950 at 3.46%$75.74
16,950 at 3.47%$75.83
16,950 at 3.48%$75.92
16,950 at 3.49%$76.02
16,950 at 3.5%$76.11
Interest Rate 30 Year
16,950 at 3.51%$76.21
16,950 at 3.52%$76.30
16,950 at 3.53%$76.40
16,950 at 3.54%$76.49
16,950 at 3.55%$76.59
16,950 at 3.56%$76.68
16,950 at 3.57%$76.78
16,950 at 3.58%$76.87
16,950 at 3.59%$76.97
16,950 at 3.6%$77.06
16,950 at 3.61%$77.16
16,950 at 3.62%$77.25
16,950 at 3.63%$77.35
16,950 at 3.64%$77.44
16,950 at 3.65%$77.54
16,950 at 3.66%$77.63
16,950 at 3.67%$77.73
16,950 at 3.68%$77.83
16,950 at 3.69%$77.92
16,950 at 3.7%$78.02
16,950 at 3.71%$78.11
16,950 at 3.72%$78.21
16,950 at 3.73%$78.31
16,950 at 3.74%$78.40
16,950 at 3.75%$78.50
16,950 at 3.76%$78.59
16,950 at 3.77%$78.69
16,950 at 3.78%$78.79
16,950 at 3.79%$78.88
16,950 at 3.8%$78.98
16,950 at 3.81%$79.08
16,950 at 3.82%$79.17
16,950 at 3.83%$79.27
16,950 at 3.84%$79.37
16,950 at 3.85%$79.46
16,950 at 3.86%$79.56
16,950 at 3.87%$79.66
16,950 at 3.88%$79.75
16,950 at 3.89%$79.85
16,950 at 3.9%$79.95
16,950 at 3.91%$80.04
16,950 at 3.92%$80.14
16,950 at 3.93%$80.24
16,950 at 3.94%$80.34
16,950 at 3.95%$80.43
16,950 at 3.96%$80.53
16,950 at 3.97%$80.63
16,950 at 3.98%$80.73
16,950 at 3.99%$80.82
16,950 at 4%$80.92
16,950 at 4.01%$81.02
16,950 at 4.02%$81.12
16,950 at 4.03%$81.22
16,950 at 4.04%$81.31
16,950 at 4.05%$81.41
16,950 at 4.06%$81.51
16,950 at 4.07%$81.61
16,950 at 4.08%$81.71
16,950 at 4.09%$81.80
16,950 at 4.1%$81.90
16,950 at 4.11%$82.00
16,950 at 4.12%$82.10
16,950 at 4.13%$82.20
16,950 at 4.14%$82.30
16,950 at 4.15%$82.39
16,950 at 4.16%$82.49
16,950 at 4.17%$82.59
16,950 at 4.18%$82.69
16,950 at 4.19%$82.79
16,950 at 4.2%$82.89
16,950 at 4.21%$82.99
16,950 at 4.22%$83.09
16,950 at 4.23%$83.19
16,950 at 4.24%$83.28
16,950 at 4.25%$83.38
16,950 at 4.26%$83.48
16,950 at 4.27%$83.58
16,950 at 4.28%$83.68
16,950 at 4.29%$83.78
16,950 at 4.3%$83.88
16,950 at 4.31%$83.98
16,950 at 4.32%$84.08
16,950 at 4.33%$84.18
16,950 at 4.34%$84.28
16,950 at 4.35%$84.38
16,950 at 4.36%$84.48
16,950 at 4.37%$84.58
16,950 at 4.38%$84.68
16,950 at 4.39%$84.78
16,950 at 4.4%$84.88
16,950 at 4.41%$84.98
16,950 at 4.42%$85.08
16,950 at 4.43%$85.18
16,950 at 4.44%$85.28
16,950 at 4.45%$85.38
16,950 at 4.46%$85.48
16,950 at 4.47%$85.58
16,950 at 4.48%$85.68
16,950 at 4.49%$85.78
16,950 at 4.5%$85.88
16,950 at 4.51%$85.98
16,950 at 4.52%$86.08
16,950 at 4.53%$86.19
16,950 at 4.54%$86.29
16,950 at 4.55%$86.39
16,950 at 4.56%$86.49
16,950 at 4.57%$86.59
16,950 at 4.58%$86.69
16,950 at 4.59%$86.79
16,950 at 4.6%$86.89
16,950 at 4.61%$86.99
16,950 at 4.62%$87.10
16,950 at 4.63%$87.20
16,950 at 4.64%$87.30
16,950 at 4.65%$87.40
16,950 at 4.66%$87.50
16,950 at 4.67%$87.60
16,950 at 4.68%$87.71
16,950 at 4.69%$87.81
16,950 at 4.7%$87.91
16,950 at 4.71%$88.01
16,950 at 4.72%$88.11
16,950 at 4.73%$88.22
16,950 at 4.74%$88.32
16,950 at 4.75%$88.42
16,950 at 4.76%$88.52
16,950 at 4.77%$88.62
16,950 at 4.78%$88.73
16,950 at 4.79%$88.83
16,950 at 4.8%$88.93
16,950 at 4.81%$89.03
16,950 at 4.82%$89.14
16,950 at 4.83%$89.24
16,950 at 4.84%$89.34
16,950 at 4.85%$89.44
16,950 at 4.86%$89.55
16,950 at 4.87%$89.65
16,950 at 4.88%$89.75
16,950 at 4.89%$89.86
16,950 at 4.9%$89.96
16,950 at 4.91%$90.06
16,950 at 4.92%$90.16
16,950 at 4.93%$90.27
16,950 at 4.94%$90.37
16,950 at 4.95%$90.47
16,950 at 4.96%$90.58
16,950 at 4.97%$90.68
16,950 at 4.98%$90.78
16,950 at 4.99%$90.89
16,950 at 5%$90.99
Interest Rate 30 Year
16,950 at 5.01%$91.09
16,950 at 5.02%$91.20
16,950 at 5.03%$91.30
16,950 at 5.04%$91.41
16,950 at 5.05%$91.51
16,950 at 5.06%$91.61
16,950 at 5.07%$91.72
16,950 at 5.08%$91.82
16,950 at 5.09%$91.93
16,950 at 5.1%$92.03
16,950 at 5.11%$92.13
16,950 at 5.12%$92.24
16,950 at 5.13%$92.34
16,950 at 5.14%$92.45
16,950 at 5.15%$92.55
16,950 at 5.16%$92.66
16,950 at 5.17%$92.76
16,950 at 5.18%$92.86
16,950 at 5.19%$92.97
16,950 at 5.2%$93.07
16,950 at 5.21%$93.18
16,950 at 5.22%$93.28
16,950 at 5.23%$93.39
16,950 at 5.24%$93.49
16,950 at 5.25%$93.60
16,950 at 5.26%$93.70
16,950 at 5.27%$93.81
16,950 at 5.28%$93.91
16,950 at 5.29%$94.02
16,950 at 5.3%$94.12
16,950 at 5.31%$94.23
16,950 at 5.32%$94.33
16,950 at 5.33%$94.44
16,950 at 5.34%$94.55
16,950 at 5.35%$94.65
16,950 at 5.36%$94.76
16,950 at 5.37%$94.86
16,950 at 5.38%$94.97
16,950 at 5.39%$95.07
16,950 at 5.4%$95.18
16,950 at 5.41%$95.29
16,950 at 5.42%$95.39
16,950 at 5.43%$95.50
16,950 at 5.44%$95.60
16,950 at 5.45%$95.71
16,950 at 5.46%$95.82
16,950 at 5.47%$95.92
16,950 at 5.48%$96.03
16,950 at 5.49%$96.13
16,950 at 5.5%$96.24
16,950 at 5.51%$96.35
16,950 at 5.52%$96.45
16,950 at 5.53%$96.56
16,950 at 5.54%$96.67
16,950 at 5.55%$96.77
16,950 at 5.56%$96.88
16,950 at 5.57%$96.99
16,950 at 5.58%$97.09
16,950 at 5.59%$97.20
16,950 at 5.6%$97.31
16,950 at 5.61%$97.41
16,950 at 5.62%$97.52
16,950 at 5.63%$97.63
16,950 at 5.64%$97.73
16,950 at 5.65%$97.84
16,950 at 5.66%$97.95
16,950 at 5.67%$98.06
16,950 at 5.68%$98.16
16,950 at 5.69%$98.27
16,950 at 5.7%$98.38
16,950 at 5.71%$98.49
16,950 at 5.72%$98.59
16,950 at 5.73%$98.70
16,950 at 5.74%$98.81
16,950 at 5.75%$98.92
16,950 at 5.76%$99.02
16,950 at 5.77%$99.13
16,950 at 5.78%$99.24
16,950 at 5.79%$99.35
16,950 at 5.8%$99.45
16,950 at 5.81%$99.56
16,950 at 5.82%$99.67
16,950 at 5.83%$99.78
16,950 at 5.84%$99.89
16,950 at 5.85%$99.99
16,950 at 5.86%$100.10
16,950 at 5.87%$100.21
16,950 at 5.88%$100.32
16,950 at 5.89%$100.43
16,950 at 5.9%$100.54
16,950 at 5.91%$100.65
16,950 at 5.92%$100.75
16,950 at 5.93%$100.86
16,950 at 5.94%$100.97
16,950 at 5.95%$101.08
16,950 at 5.96%$101.19
16,950 at 5.97%$101.30
16,950 at 5.98%$101.41
16,950 at 5.99%$101.51
16,950 at 6%$101.62
16,950 at 6.01%$101.73
16,950 at 6.02%$101.84
16,950 at 6.03%$101.95
16,950 at 6.04%$102.06
16,950 at 6.05%$102.17
16,950 at 6.06%$102.28
16,950 at 6.07%$102.39
16,950 at 6.08%$102.50
16,950 at 6.09%$102.61
16,950 at 6.1%$102.72
16,950 at 6.11%$102.83
16,950 at 6.12%$102.94
16,950 at 6.13%$103.04
16,950 at 6.14%$103.15
16,950 at 6.15%$103.26
16,950 at 6.16%$103.37
16,950 at 6.17%$103.48
16,950 at 6.18%$103.59
16,950 at 6.19%$103.70
16,950 at 6.2%$103.81
16,950 at 6.21%$103.92
16,950 at 6.22%$104.03
16,950 at 6.23%$104.14
16,950 at 6.24%$104.25
16,950 at 6.25%$104.36
16,950 at 6.26%$104.47
16,950 at 6.27%$104.58
16,950 at 6.28%$104.70
16,950 at 6.29%$104.81
16,950 at 6.3%$104.92
16,950 at 6.31%$105.03
16,950 at 6.32%$105.14
16,950 at 6.33%$105.25
16,950 at 6.34%$105.36
16,950 at 6.35%$105.47
16,950 at 6.36%$105.58
16,950 at 6.37%$105.69
16,950 at 6.38%$105.80
16,950 at 6.39%$105.91
16,950 at 6.4%$106.02
16,950 at 6.41%$106.13
16,950 at 6.42%$106.25
16,950 at 6.43%$106.36
16,950 at 6.44%$106.47
16,950 at 6.45%$106.58
16,950 at 6.46%$106.69
16,950 at 6.47%$106.80
16,950 at 6.48%$106.91
16,950 at 6.49%$107.02
16,950 at 6.5%$107.14
Interest Rate 30 Year
16,950 at 6.51%$107.25
16,950 at 6.52%$107.36
16,950 at 6.53%$107.47
16,950 at 6.54%$107.58
16,950 at 6.55%$107.69
16,950 at 6.56%$107.81
16,950 at 6.57%$107.92
16,950 at 6.58%$108.03
16,950 at 6.59%$108.14
16,950 at 6.6%$108.25
16,950 at 6.61%$108.36
16,950 at 6.62%$108.48
16,950 at 6.63%$108.59
16,950 at 6.64%$108.70
16,950 at 6.65%$108.81
16,950 at 6.66%$108.93
16,950 at 6.67%$109.04
16,950 at 6.68%$109.15
16,950 at 6.69%$109.26
16,950 at 6.7%$109.37
16,950 at 6.71%$109.49
16,950 at 6.72%$109.60
16,950 at 6.73%$109.71
16,950 at 6.74%$109.82
16,950 at 6.75%$109.94
16,950 at 6.76%$110.05
16,950 at 6.77%$110.16
16,950 at 6.78%$110.28
16,950 at 6.79%$110.39
16,950 at 6.8%$110.50
16,950 at 6.81%$110.61
16,950 at 6.82%$110.73
16,950 at 6.83%$110.84
16,950 at 6.84%$110.95
16,950 at 6.85%$111.07
16,950 at 6.86%$111.18
16,950 at 6.87%$111.29
16,950 at 6.88%$111.41
16,950 at 6.89%$111.52
16,950 at 6.9%$111.63
16,950 at 6.91%$111.75
16,950 at 6.92%$111.86
16,950 at 6.93%$111.97
16,950 at 6.94%$112.09
16,950 at 6.95%$112.20
16,950 at 6.96%$112.31
16,950 at 6.97%$112.43
16,950 at 6.98%$112.54
16,950 at 6.99%$112.65
16,950 at 7%$112.77
16,950 at 7.01%$112.88
16,950 at 7.02%$113.00
16,950 at 7.03%$113.11
16,950 at 7.04%$113.22
16,950 at 7.05%$113.34
16,950 at 7.06%$113.45
16,950 at 7.07%$113.57
16,950 at 7.08%$113.68
16,950 at 7.09%$113.80
16,950 at 7.1%$113.91
16,950 at 7.11%$114.02
16,950 at 7.12%$114.14
16,950 at 7.13%$114.25
16,950 at 7.14%$114.37
16,950 at 7.15%$114.48
16,950 at 7.16%$114.60
16,950 at 7.17%$114.71
16,950 at 7.18%$114.83
16,950 at 7.19%$114.94
16,950 at 7.2%$115.05
16,950 at 7.21%$115.17
16,950 at 7.22%$115.28
16,950 at 7.23%$115.40
16,950 at 7.24%$115.51
16,950 at 7.25%$115.63
16,950 at 7.26%$115.74
16,950 at 7.27%$115.86
16,950 at 7.28%$115.97
16,950 at 7.29%$116.09
16,950 at 7.3%$116.20
16,950 at 7.31%$116.32
16,950 at 7.32%$116.43
16,950 at 7.33%$116.55
16,950 at 7.34%$116.67
16,950 at 7.35%$116.78
16,950 at 7.36%$116.90
16,950 at 7.37%$117.01
16,950 at 7.38%$117.13
16,950 at 7.39%$117.24
16,950 at 7.4%$117.36
16,950 at 7.41%$117.47
16,950 at 7.42%$117.59
16,950 at 7.43%$117.71
16,950 at 7.44%$117.82
16,950 at 7.45%$117.94
16,950 at 7.46%$118.05
16,950 at 7.47%$118.17
16,950 at 7.48%$118.28
16,950 at 7.49%$118.40
16,950 at 7.5%$118.52
16,950 at 7.51%$118.63
16,950 at 7.52%$118.75
16,950 at 7.53%$118.87
16,950 at 7.54%$118.98
16,950 at 7.55%$119.10
16,950 at 7.56%$119.21
16,950 at 7.57%$119.33
16,950 at 7.58%$119.45
16,950 at 7.59%$119.56
16,950 at 7.6%$119.68
16,950 at 7.61%$119.80
16,950 at 7.62%$119.91
16,950 at 7.63%$120.03
16,950 at 7.64%$120.15
16,950 at 7.65%$120.26
16,950 at 7.66%$120.38
16,950 at 7.67%$120.50
16,950 at 7.68%$120.61
16,950 at 7.69%$120.73
16,950 at 7.7%$120.85
16,950 at 7.71%$120.96
16,950 at 7.72%$121.08
16,950 at 7.73%$121.20
16,950 at 7.74%$121.31
16,950 at 7.75%$121.43
16,950 at 7.76%$121.55
16,950 at 7.77%$121.67
16,950 at 7.78%$121.78
16,950 at 7.79%$121.90
16,950 at 7.8%$122.02
16,950 at 7.81%$122.14
16,950 at 7.82%$122.25
16,950 at 7.83%$122.37
16,950 at 7.84%$122.49
16,950 at 7.85%$122.61
16,950 at 7.86%$122.72
16,950 at 7.87%$122.84
16,950 at 7.88%$122.96
16,950 at 7.89%$123.08
16,950 at 7.9%$123.19
16,950 at 7.91%$123.31
16,950 at 7.92%$123.43
16,950 at 7.93%$123.55
16,950 at 7.94%$123.66
16,950 at 7.95%$123.78
16,950 at 7.96%$123.90
16,950 at 7.97%$124.02
16,950 at 7.98%$124.14
16,950 at 7.99%$124.25
16,950 at 8%$124.37
More Amounts
What is the down payment for a $16,950 house? How much do you need to put down?
Percent Down Down Payment
1%170
2%339
3%509
4%678
5%848
6%1,017
7%1,187
8%1,356
9%1,526
10%1,695
11%1,865
12%2,034
13%2,204
14%2,373
15%2,543
16%2,712
17%2,882
18%3,051
19%3,221
20%3,390
Percent Down Down Payment
21%3,560
22%3,729
23%3,899
24%4,068
25%4,238
26%4,407
27%4,577
28%4,746
29%4,916
30%5,085
31%5,255
32%5,424
33%5,594
34%5,763
35%5,933
36%6,102
37%6,272
38%6,441
39%6,611
40%6,780
Percent Down Down Payment
41%6,950
42%7,119
43%7,289
44%7,458
45%7,628
46%7,797
47%7,967
48%8,136
49%8,306
50%8,475
51%8,645
52%8,814
53%8,984
54%9,153
55%9,323
56%9,492
57%9,662
58%9,831
59%10,001
60%10,170
Percent Down Down Payment
61%10,340
62%10,509
63%10,679
64%10,848
65%11,018
66%11,187
67%11,357
68%11,526
69%11,696
70%11,865
71%12,035
72%12,204
73%12,374
74%12,543
75%12,713
76%12,882
77%13,052
78%13,221
79%13,391
80%13,560
Percent Down Down Payment
81%13,730
82%13,899
83%14,069
84%14,238
85%14,408
86%14,577
87%14,747
88%14,916
89%15,086
90%15,255
91%15,425
92%15,594
93%15,764
94%15,933
95%16,103
96%16,272
97%16,442
98%16,611
99%16,781
100%16,950
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.