$18,500 Mortgage for 30 Years

What is the monthly payment of a 18,500 dollar loan?
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Loan Tables for a $18,500 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 19k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $18,500 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
18,500 at 2.01%$68.47
18,500 at 2.02%$68.56
18,500 at 2.03%$68.66
18,500 at 2.04%$68.75
18,500 at 2.05%$68.84
18,500 at 2.06%$68.94
18,500 at 2.07%$69.03
18,500 at 2.08%$69.12
18,500 at 2.09%$69.22
18,500 at 2.1%$69.31
18,500 at 2.11%$69.40
18,500 at 2.12%$69.50
18,500 at 2.13%$69.59
18,500 at 2.14%$69.68
18,500 at 2.15%$69.78
18,500 at 2.16%$69.87
18,500 at 2.17%$69.96
18,500 at 2.18%$70.06
18,500 at 2.19%$70.15
18,500 at 2.2%$70.24
18,500 at 2.21%$70.34
18,500 at 2.22%$70.43
18,500 at 2.23%$70.53
18,500 at 2.24%$70.62
18,500 at 2.25%$70.72
18,500 at 2.26%$70.81
18,500 at 2.27%$70.90
18,500 at 2.28%$71.00
18,500 at 2.29%$71.09
18,500 at 2.3%$71.19
18,500 at 2.31%$71.28
18,500 at 2.32%$71.38
18,500 at 2.33%$71.47
18,500 at 2.34%$71.57
18,500 at 2.35%$71.66
18,500 at 2.36%$71.76
18,500 at 2.37%$71.85
18,500 at 2.38%$71.95
18,500 at 2.39%$72.04
18,500 at 2.4%$72.14
18,500 at 2.41%$72.23
18,500 at 2.42%$72.33
18,500 at 2.43%$72.43
18,500 at 2.44%$72.52
18,500 at 2.45%$72.62
18,500 at 2.46%$72.71
18,500 at 2.47%$72.81
18,500 at 2.48%$72.91
18,500 at 2.49%$73.00
18,500 at 2.5%$73.10
18,500 at 2.51%$73.19
18,500 at 2.52%$73.29
18,500 at 2.53%$73.39
18,500 at 2.54%$73.48
18,500 at 2.55%$73.58
18,500 at 2.56%$73.68
18,500 at 2.57%$73.77
18,500 at 2.58%$73.87
18,500 at 2.59%$73.97
18,500 at 2.6%$74.06
18,500 at 2.61%$74.16
18,500 at 2.62%$74.26
18,500 at 2.63%$74.35
18,500 at 2.64%$74.45
18,500 at 2.65%$74.55
18,500 at 2.66%$74.65
18,500 at 2.67%$74.74
18,500 at 2.68%$74.84
18,500 at 2.69%$74.94
18,500 at 2.7%$75.04
18,500 at 2.71%$75.13
18,500 at 2.72%$75.23
18,500 at 2.73%$75.33
18,500 at 2.74%$75.43
18,500 at 2.75%$75.52
18,500 at 2.76%$75.62
18,500 at 2.77%$75.72
18,500 at 2.78%$75.82
18,500 at 2.79%$75.92
18,500 at 2.8%$76.02
18,500 at 2.81%$76.11
18,500 at 2.82%$76.21
18,500 at 2.83%$76.31
18,500 at 2.84%$76.41
18,500 at 2.85%$76.51
18,500 at 2.86%$76.61
18,500 at 2.87%$76.71
18,500 at 2.88%$76.80
18,500 at 2.89%$76.90
18,500 at 2.9%$77.00
18,500 at 2.91%$77.10
18,500 at 2.92%$77.20
18,500 at 2.93%$77.30
18,500 at 2.94%$77.40
18,500 at 2.95%$77.50
18,500 at 2.96%$77.60
18,500 at 2.97%$77.70
18,500 at 2.98%$77.80
18,500 at 2.99%$77.90
18,500 at 3%$78.00
18,500 at 3.01%$78.10
18,500 at 3.02%$78.20
18,500 at 3.03%$78.30
18,500 at 3.04%$78.40
18,500 at 3.05%$78.50
18,500 at 3.06%$78.60
18,500 at 3.07%$78.70
18,500 at 3.08%$78.80
18,500 at 3.09%$78.90
18,500 at 3.1%$79.00
18,500 at 3.11%$79.10
18,500 at 3.12%$79.20
18,500 at 3.13%$79.30
18,500 at 3.14%$79.40
18,500 at 3.15%$79.50
18,500 at 3.16%$79.60
18,500 at 3.17%$79.70
18,500 at 3.18%$79.80
18,500 at 3.19%$79.91
18,500 at 3.2%$80.01
18,500 at 3.21%$80.11
18,500 at 3.22%$80.21
18,500 at 3.23%$80.31
18,500 at 3.24%$80.41
18,500 at 3.25%$80.51
18,500 at 3.26%$80.61
18,500 at 3.27%$80.72
18,500 at 3.28%$80.82
18,500 at 3.29%$80.92
18,500 at 3.3%$81.02
18,500 at 3.31%$81.12
18,500 at 3.32%$81.23
18,500 at 3.33%$81.33
18,500 at 3.34%$81.43
18,500 at 3.35%$81.53
18,500 at 3.36%$81.63
18,500 at 3.37%$81.74
18,500 at 3.38%$81.84
18,500 at 3.39%$81.94
18,500 at 3.4%$82.04
18,500 at 3.41%$82.15
18,500 at 3.42%$82.25
18,500 at 3.43%$82.35
18,500 at 3.44%$82.45
18,500 at 3.45%$82.56
18,500 at 3.46%$82.66
18,500 at 3.47%$82.76
18,500 at 3.48%$82.87
18,500 at 3.49%$82.97
18,500 at 3.5%$83.07
Interest Rate 30 Year
18,500 at 3.51%$83.18
18,500 at 3.52%$83.28
18,500 at 3.53%$83.38
18,500 at 3.54%$83.49
18,500 at 3.55%$83.59
18,500 at 3.56%$83.69
18,500 at 3.57%$83.80
18,500 at 3.58%$83.90
18,500 at 3.59%$84.01
18,500 at 3.6%$84.11
18,500 at 3.61%$84.21
18,500 at 3.62%$84.32
18,500 at 3.63%$84.42
18,500 at 3.64%$84.53
18,500 at 3.65%$84.63
18,500 at 3.66%$84.73
18,500 at 3.67%$84.84
18,500 at 3.68%$84.94
18,500 at 3.69%$85.05
18,500 at 3.7%$85.15
18,500 at 3.71%$85.26
18,500 at 3.72%$85.36
18,500 at 3.73%$85.47
18,500 at 3.74%$85.57
18,500 at 3.75%$85.68
18,500 at 3.76%$85.78
18,500 at 3.77%$85.89
18,500 at 3.78%$85.99
18,500 at 3.79%$86.10
18,500 at 3.8%$86.20
18,500 at 3.81%$86.31
18,500 at 3.82%$86.41
18,500 at 3.83%$86.52
18,500 at 3.84%$86.62
18,500 at 3.85%$86.73
18,500 at 3.86%$86.84
18,500 at 3.87%$86.94
18,500 at 3.88%$87.05
18,500 at 3.89%$87.15
18,500 at 3.9%$87.26
18,500 at 3.91%$87.36
18,500 at 3.92%$87.47
18,500 at 3.93%$87.58
18,500 at 3.94%$87.68
18,500 at 3.95%$87.79
18,500 at 3.96%$87.90
18,500 at 3.97%$88.00
18,500 at 3.98%$88.11
18,500 at 3.99%$88.22
18,500 at 4%$88.32
18,500 at 4.01%$88.43
18,500 at 4.02%$88.54
18,500 at 4.03%$88.64
18,500 at 4.04%$88.75
18,500 at 4.05%$88.86
18,500 at 4.06%$88.96
18,500 at 4.07%$89.07
18,500 at 4.08%$89.18
18,500 at 4.09%$89.28
18,500 at 4.1%$89.39
18,500 at 4.11%$89.50
18,500 at 4.12%$89.61
18,500 at 4.13%$89.71
18,500 at 4.14%$89.82
18,500 at 4.15%$89.93
18,500 at 4.16%$90.04
18,500 at 4.17%$90.14
18,500 at 4.18%$90.25
18,500 at 4.19%$90.36
18,500 at 4.2%$90.47
18,500 at 4.21%$90.58
18,500 at 4.22%$90.68
18,500 at 4.23%$90.79
18,500 at 4.24%$90.90
18,500 at 4.25%$91.01
18,500 at 4.26%$91.12
18,500 at 4.27%$91.23
18,500 at 4.28%$91.33
18,500 at 4.29%$91.44
18,500 at 4.3%$91.55
18,500 at 4.31%$91.66
18,500 at 4.32%$91.77
18,500 at 4.33%$91.88
18,500 at 4.34%$91.99
18,500 at 4.35%$92.10
18,500 at 4.36%$92.20
18,500 at 4.37%$92.31
18,500 at 4.38%$92.42
18,500 at 4.39%$92.53
18,500 at 4.4%$92.64
18,500 at 4.41%$92.75
18,500 at 4.42%$92.86
18,500 at 4.43%$92.97
18,500 at 4.44%$93.08
18,500 at 4.45%$93.19
18,500 at 4.46%$93.30
18,500 at 4.47%$93.41
18,500 at 4.48%$93.52
18,500 at 4.49%$93.63
18,500 at 4.5%$93.74
18,500 at 4.51%$93.85
18,500 at 4.52%$93.96
18,500 at 4.53%$94.07
18,500 at 4.54%$94.18
18,500 at 4.55%$94.29
18,500 at 4.56%$94.40
18,500 at 4.57%$94.51
18,500 at 4.58%$94.62
18,500 at 4.59%$94.73
18,500 at 4.6%$94.84
18,500 at 4.61%$94.95
18,500 at 4.62%$95.06
18,500 at 4.63%$95.17
18,500 at 4.64%$95.28
18,500 at 4.65%$95.39
18,500 at 4.66%$95.50
18,500 at 4.67%$95.61
18,500 at 4.68%$95.73
18,500 at 4.69%$95.84
18,500 at 4.7%$95.95
18,500 at 4.71%$96.06
18,500 at 4.72%$96.17
18,500 at 4.73%$96.28
18,500 at 4.74%$96.39
18,500 at 4.75%$96.50
18,500 at 4.76%$96.62
18,500 at 4.77%$96.73
18,500 at 4.78%$96.84
18,500 at 4.79%$96.95
18,500 at 4.8%$97.06
18,500 at 4.81%$97.17
18,500 at 4.82%$97.29
18,500 at 4.83%$97.40
18,500 at 4.84%$97.51
18,500 at 4.85%$97.62
18,500 at 4.86%$97.74
18,500 at 4.87%$97.85
18,500 at 4.88%$97.96
18,500 at 4.89%$98.07
18,500 at 4.9%$98.18
18,500 at 4.91%$98.30
18,500 at 4.92%$98.41
18,500 at 4.93%$98.52
18,500 at 4.94%$98.63
18,500 at 4.95%$98.75
18,500 at 4.96%$98.86
18,500 at 4.97%$98.97
18,500 at 4.98%$99.09
18,500 at 4.99%$99.20
18,500 at 5%$99.31
Interest Rate 30 Year
18,500 at 5.01%$99.43
18,500 at 5.02%$99.54
18,500 at 5.03%$99.65
18,500 at 5.04%$99.76
18,500 at 5.05%$99.88
18,500 at 5.06%$99.99
18,500 at 5.07%$100.10
18,500 at 5.08%$100.22
18,500 at 5.09%$100.33
18,500 at 5.1%$100.45
18,500 at 5.11%$100.56
18,500 at 5.12%$100.67
18,500 at 5.13%$100.79
18,500 at 5.14%$100.90
18,500 at 5.15%$101.01
18,500 at 5.16%$101.13
18,500 at 5.17%$101.24
18,500 at 5.18%$101.36
18,500 at 5.19%$101.47
18,500 at 5.2%$101.59
18,500 at 5.21%$101.70
18,500 at 5.22%$101.81
18,500 at 5.23%$101.93
18,500 at 5.24%$102.04
18,500 at 5.25%$102.16
18,500 at 5.26%$102.27
18,500 at 5.27%$102.39
18,500 at 5.28%$102.50
18,500 at 5.29%$102.62
18,500 at 5.3%$102.73
18,500 at 5.31%$102.85
18,500 at 5.32%$102.96
18,500 at 5.33%$103.08
18,500 at 5.34%$103.19
18,500 at 5.35%$103.31
18,500 at 5.36%$103.42
18,500 at 5.37%$103.54
18,500 at 5.38%$103.65
18,500 at 5.39%$103.77
18,500 at 5.4%$103.88
18,500 at 5.41%$104.00
18,500 at 5.42%$104.11
18,500 at 5.43%$104.23
18,500 at 5.44%$104.35
18,500 at 5.45%$104.46
18,500 at 5.46%$104.58
18,500 at 5.47%$104.69
18,500 at 5.48%$104.81
18,500 at 5.49%$104.92
18,500 at 5.5%$105.04
18,500 at 5.51%$105.16
18,500 at 5.52%$105.27
18,500 at 5.53%$105.39
18,500 at 5.54%$105.51
18,500 at 5.55%$105.62
18,500 at 5.56%$105.74
18,500 at 5.57%$105.85
18,500 at 5.58%$105.97
18,500 at 5.59%$106.09
18,500 at 5.6%$106.20
18,500 at 5.61%$106.32
18,500 at 5.62%$106.44
18,500 at 5.63%$106.55
18,500 at 5.64%$106.67
18,500 at 5.65%$106.79
18,500 at 5.66%$106.91
18,500 at 5.67%$107.02
18,500 at 5.68%$107.14
18,500 at 5.69%$107.26
18,500 at 5.7%$107.37
18,500 at 5.71%$107.49
18,500 at 5.72%$107.61
18,500 at 5.73%$107.73
18,500 at 5.74%$107.84
18,500 at 5.75%$107.96
18,500 at 5.76%$108.08
18,500 at 5.77%$108.20
18,500 at 5.78%$108.31
18,500 at 5.79%$108.43
18,500 at 5.8%$108.55
18,500 at 5.81%$108.67
18,500 at 5.82%$108.79
18,500 at 5.83%$108.90
18,500 at 5.84%$109.02
18,500 at 5.85%$109.14
18,500 at 5.86%$109.26
18,500 at 5.87%$109.38
18,500 at 5.88%$109.49
18,500 at 5.89%$109.61
18,500 at 5.9%$109.73
18,500 at 5.91%$109.85
18,500 at 5.92%$109.97
18,500 at 5.93%$110.09
18,500 at 5.94%$110.20
18,500 at 5.95%$110.32
18,500 at 5.96%$110.44
18,500 at 5.97%$110.56
18,500 at 5.98%$110.68
18,500 at 5.99%$110.80
18,500 at 6%$110.92
18,500 at 6.01%$111.04
18,500 at 6.02%$111.15
18,500 at 6.03%$111.27
18,500 at 6.04%$111.39
18,500 at 6.05%$111.51
18,500 at 6.06%$111.63
18,500 at 6.07%$111.75
18,500 at 6.08%$111.87
18,500 at 6.09%$111.99
18,500 at 6.1%$112.11
18,500 at 6.11%$112.23
18,500 at 6.12%$112.35
18,500 at 6.13%$112.47
18,500 at 6.14%$112.59
18,500 at 6.15%$112.71
18,500 at 6.16%$112.83
18,500 at 6.17%$112.95
18,500 at 6.18%$113.07
18,500 at 6.19%$113.19
18,500 at 6.2%$113.31
18,500 at 6.21%$113.43
18,500 at 6.22%$113.55
18,500 at 6.23%$113.67
18,500 at 6.24%$113.79
18,500 at 6.25%$113.91
18,500 at 6.26%$114.03
18,500 at 6.27%$114.15
18,500 at 6.28%$114.27
18,500 at 6.29%$114.39
18,500 at 6.3%$114.51
18,500 at 6.31%$114.63
18,500 at 6.32%$114.75
18,500 at 6.33%$114.87
18,500 at 6.34%$114.99
18,500 at 6.35%$115.11
18,500 at 6.36%$115.23
18,500 at 6.37%$115.36
18,500 at 6.38%$115.48
18,500 at 6.39%$115.60
18,500 at 6.4%$115.72
18,500 at 6.41%$115.84
18,500 at 6.42%$115.96
18,500 at 6.43%$116.08
18,500 at 6.44%$116.20
18,500 at 6.45%$116.32
18,500 at 6.46%$116.45
18,500 at 6.47%$116.57
18,500 at 6.48%$116.69
18,500 at 6.49%$116.81
18,500 at 6.5%$116.93
Interest Rate 30 Year
18,500 at 6.51%$117.05
18,500 at 6.52%$117.18
18,500 at 6.53%$117.30
18,500 at 6.54%$117.42
18,500 at 6.55%$117.54
18,500 at 6.56%$117.66
18,500 at 6.57%$117.79
18,500 at 6.58%$117.91
18,500 at 6.59%$118.03
18,500 at 6.6%$118.15
18,500 at 6.61%$118.27
18,500 at 6.62%$118.40
18,500 at 6.63%$118.52
18,500 at 6.64%$118.64
18,500 at 6.65%$118.76
18,500 at 6.66%$118.89
18,500 at 6.67%$119.01
18,500 at 6.68%$119.13
18,500 at 6.69%$119.25
18,500 at 6.7%$119.38
18,500 at 6.71%$119.50
18,500 at 6.72%$119.62
18,500 at 6.73%$119.74
18,500 at 6.74%$119.87
18,500 at 6.75%$119.99
18,500 at 6.76%$120.11
18,500 at 6.77%$120.24
18,500 at 6.78%$120.36
18,500 at 6.79%$120.48
18,500 at 6.8%$120.61
18,500 at 6.81%$120.73
18,500 at 6.82%$120.85
18,500 at 6.83%$120.98
18,500 at 6.84%$121.10
18,500 at 6.85%$121.22
18,500 at 6.86%$121.35
18,500 at 6.87%$121.47
18,500 at 6.88%$121.59
18,500 at 6.89%$121.72
18,500 at 6.9%$121.84
18,500 at 6.91%$121.96
18,500 at 6.92%$122.09
18,500 at 6.93%$122.21
18,500 at 6.94%$122.34
18,500 at 6.95%$122.46
18,500 at 6.96%$122.58
18,500 at 6.97%$122.71
18,500 at 6.98%$122.83
18,500 at 6.99%$122.96
18,500 at 7%$123.08
18,500 at 7.01%$123.21
18,500 at 7.02%$123.33
18,500 at 7.03%$123.45
18,500 at 7.04%$123.58
18,500 at 7.05%$123.70
18,500 at 7.06%$123.83
18,500 at 7.07%$123.95
18,500 at 7.08%$124.08
18,500 at 7.09%$124.20
18,500 at 7.1%$124.33
18,500 at 7.11%$124.45
18,500 at 7.12%$124.58
18,500 at 7.13%$124.70
18,500 at 7.14%$124.83
18,500 at 7.15%$124.95
18,500 at 7.16%$125.08
18,500 at 7.17%$125.20
18,500 at 7.18%$125.33
18,500 at 7.19%$125.45
18,500 at 7.2%$125.58
18,500 at 7.21%$125.70
18,500 at 7.22%$125.83
18,500 at 7.23%$125.95
18,500 at 7.24%$126.08
18,500 at 7.25%$126.20
18,500 at 7.26%$126.33
18,500 at 7.27%$126.45
18,500 at 7.28%$126.58
18,500 at 7.29%$126.70
18,500 at 7.3%$126.83
18,500 at 7.31%$126.96
18,500 at 7.32%$127.08
18,500 at 7.33%$127.21
18,500 at 7.34%$127.33
18,500 at 7.35%$127.46
18,500 at 7.36%$127.59
18,500 at 7.37%$127.71
18,500 at 7.38%$127.84
18,500 at 7.39%$127.96
18,500 at 7.4%$128.09
18,500 at 7.41%$128.22
18,500 at 7.42%$128.34
18,500 at 7.43%$128.47
18,500 at 7.44%$128.60
18,500 at 7.45%$128.72
18,500 at 7.46%$128.85
18,500 at 7.47%$128.97
18,500 at 7.48%$129.10
18,500 at 7.49%$129.23
18,500 at 7.5%$129.35
18,500 at 7.51%$129.48
18,500 at 7.52%$129.61
18,500 at 7.53%$129.73
18,500 at 7.54%$129.86
18,500 at 7.55%$129.99
18,500 at 7.56%$130.12
18,500 at 7.57%$130.24
18,500 at 7.58%$130.37
18,500 at 7.59%$130.50
18,500 at 7.6%$130.62
18,500 at 7.61%$130.75
18,500 at 7.62%$130.88
18,500 at 7.63%$131.01
18,500 at 7.64%$131.13
18,500 at 7.65%$131.26
18,500 at 7.66%$131.39
18,500 at 7.67%$131.52
18,500 at 7.68%$131.64
18,500 at 7.69%$131.77
18,500 at 7.7%$131.90
18,500 at 7.71%$132.03
18,500 at 7.72%$132.15
18,500 at 7.73%$132.28
18,500 at 7.74%$132.41
18,500 at 7.75%$132.54
18,500 at 7.76%$132.66
18,500 at 7.77%$132.79
18,500 at 7.78%$132.92
18,500 at 7.79%$133.05
18,500 at 7.8%$133.18
18,500 at 7.81%$133.30
18,500 at 7.82%$133.43
18,500 at 7.83%$133.56
18,500 at 7.84%$133.69
18,500 at 7.85%$133.82
18,500 at 7.86%$133.95
18,500 at 7.87%$134.07
18,500 at 7.88%$134.20
18,500 at 7.89%$134.33
18,500 at 7.9%$134.46
18,500 at 7.91%$134.59
18,500 at 7.92%$134.72
18,500 at 7.93%$134.84
18,500 at 7.94%$134.97
18,500 at 7.95%$135.10
18,500 at 7.96%$135.23
18,500 at 7.97%$135.36
18,500 at 7.98%$135.49
18,500 at 7.99%$135.62
18,500 at 8%$135.75
More Amounts
What is the down payment for a $18,500 house? How much do you need to put down?
Percent Down Down Payment
1%185
2%370
3%555
4%740
5%925
6%1,110
7%1,295
8%1,480
9%1,665
10%1,850
11%2,035
12%2,220
13%2,405
14%2,590
15%2,775
16%2,960
17%3,145
18%3,330
19%3,515
20%3,700
Percent Down Down Payment
21%3,885
22%4,070
23%4,255
24%4,440
25%4,625
26%4,810
27%4,995
28%5,180
29%5,365
30%5,550
31%5,735
32%5,920
33%6,105
34%6,290
35%6,475
36%6,660
37%6,845
38%7,030
39%7,215
40%7,400
Percent Down Down Payment
41%7,585
42%7,770
43%7,955
44%8,140
45%8,325
46%8,510
47%8,695
48%8,880
49%9,065
50%9,250
51%9,435
52%9,620
53%9,805
54%9,990
55%10,175
56%10,360
57%10,545
58%10,730
59%10,915
60%11,100
Percent Down Down Payment
61%11,285
62%11,470
63%11,655
64%11,840
65%12,025
66%12,210
67%12,395
68%12,580
69%12,765
70%12,950
71%13,135
72%13,320
73%13,505
74%13,690
75%13,875
76%14,060
77%14,245
78%14,430
79%14,615
80%14,800
Percent Down Down Payment
81%14,985
82%15,170
83%15,355
84%15,540
85%15,725
86%15,910
87%16,095
88%16,280
89%16,465
90%16,650
91%16,835
92%17,020
93%17,205
94%17,390
95%17,575
96%17,760
97%17,945
98%18,130
99%18,315
100%18,500
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.