$18,600 Mortgage for 30 Years

What is the monthly payment of a 18,600 dollar loan?
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Loan Tables for a $18,600 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 $18,600 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
18,600 at 2.01%$68.84
18,600 at 2.02%$68.94
18,600 at 2.03%$69.03
18,600 at 2.04%$69.12
18,600 at 2.05%$69.22
18,600 at 2.06%$69.31
18,600 at 2.07%$69.40
18,600 at 2.08%$69.50
18,600 at 2.09%$69.59
18,600 at 2.1%$69.68
18,600 at 2.11%$69.78
18,600 at 2.12%$69.87
18,600 at 2.13%$69.96
18,600 at 2.14%$70.06
18,600 at 2.15%$70.15
18,600 at 2.16%$70.25
18,600 at 2.17%$70.34
18,600 at 2.18%$70.44
18,600 at 2.19%$70.53
18,600 at 2.2%$70.62
18,600 at 2.21%$70.72
18,600 at 2.22%$70.81
18,600 at 2.23%$70.91
18,600 at 2.24%$71.00
18,600 at 2.25%$71.10
18,600 at 2.26%$71.19
18,600 at 2.27%$71.29
18,600 at 2.28%$71.38
18,600 at 2.29%$71.48
18,600 at 2.3%$71.57
18,600 at 2.31%$71.67
18,600 at 2.32%$71.76
18,600 at 2.33%$71.86
18,600 at 2.34%$71.95
18,600 at 2.35%$72.05
18,600 at 2.36%$72.15
18,600 at 2.37%$72.24
18,600 at 2.38%$72.34
18,600 at 2.39%$72.43
18,600 at 2.4%$72.53
18,600 at 2.41%$72.63
18,600 at 2.42%$72.72
18,600 at 2.43%$72.82
18,600 at 2.44%$72.91
18,600 at 2.45%$73.01
18,600 at 2.46%$73.11
18,600 at 2.47%$73.20
18,600 at 2.48%$73.30
18,600 at 2.49%$73.40
18,600 at 2.5%$73.49
18,600 at 2.51%$73.59
18,600 at 2.52%$73.69
18,600 at 2.53%$73.78
18,600 at 2.54%$73.88
18,600 at 2.55%$73.98
18,600 at 2.56%$74.07
18,600 at 2.57%$74.17
18,600 at 2.58%$74.27
18,600 at 2.59%$74.37
18,600 at 2.6%$74.46
18,600 at 2.61%$74.56
18,600 at 2.62%$74.66
18,600 at 2.63%$74.76
18,600 at 2.64%$74.85
18,600 at 2.65%$74.95
18,600 at 2.66%$75.05
18,600 at 2.67%$75.15
18,600 at 2.68%$75.24
18,600 at 2.69%$75.34
18,600 at 2.7%$75.44
18,600 at 2.71%$75.54
18,600 at 2.72%$75.64
18,600 at 2.73%$75.74
18,600 at 2.74%$75.83
18,600 at 2.75%$75.93
18,600 at 2.76%$76.03
18,600 at 2.77%$76.13
18,600 at 2.78%$76.23
18,600 at 2.79%$76.33
18,600 at 2.8%$76.43
18,600 at 2.81%$76.53
18,600 at 2.82%$76.62
18,600 at 2.83%$76.72
18,600 at 2.84%$76.82
18,600 at 2.85%$76.92
18,600 at 2.86%$77.02
18,600 at 2.87%$77.12
18,600 at 2.88%$77.22
18,600 at 2.89%$77.32
18,600 at 2.9%$77.42
18,600 at 2.91%$77.52
18,600 at 2.92%$77.62
18,600 at 2.93%$77.72
18,600 at 2.94%$77.82
18,600 at 2.95%$77.92
18,600 at 2.96%$78.02
18,600 at 2.97%$78.12
18,600 at 2.98%$78.22
18,600 at 2.99%$78.32
18,600 at 3%$78.42
18,600 at 3.01%$78.52
18,600 at 3.02%$78.62
18,600 at 3.03%$78.72
18,600 at 3.04%$78.82
18,600 at 3.05%$78.92
18,600 at 3.06%$79.02
18,600 at 3.07%$79.12
18,600 at 3.08%$79.22
18,600 at 3.09%$79.32
18,600 at 3.1%$79.43
18,600 at 3.11%$79.53
18,600 at 3.12%$79.63
18,600 at 3.13%$79.73
18,600 at 3.14%$79.83
18,600 at 3.15%$79.93
18,600 at 3.16%$80.03
18,600 at 3.17%$80.13
18,600 at 3.18%$80.24
18,600 at 3.19%$80.34
18,600 at 3.2%$80.44
18,600 at 3.21%$80.54
18,600 at 3.22%$80.64
18,600 at 3.23%$80.74
18,600 at 3.24%$80.85
18,600 at 3.25%$80.95
18,600 at 3.26%$81.05
18,600 at 3.27%$81.15
18,600 at 3.28%$81.25
18,600 at 3.29%$81.36
18,600 at 3.3%$81.46
18,600 at 3.31%$81.56
18,600 at 3.32%$81.66
18,600 at 3.33%$81.77
18,600 at 3.34%$81.87
18,600 at 3.35%$81.97
18,600 at 3.36%$82.08
18,600 at 3.37%$82.18
18,600 at 3.38%$82.28
18,600 at 3.39%$82.38
18,600 at 3.4%$82.49
18,600 at 3.41%$82.59
18,600 at 3.42%$82.69
18,600 at 3.43%$82.80
18,600 at 3.44%$82.90
18,600 at 3.45%$83.00
18,600 at 3.46%$83.11
18,600 at 3.47%$83.21
18,600 at 3.48%$83.31
18,600 at 3.49%$83.42
18,600 at 3.5%$83.52
Interest Rate 30 Year
18,600 at 3.51%$83.63
18,600 at 3.52%$83.73
18,600 at 3.53%$83.83
18,600 at 3.54%$83.94
18,600 at 3.55%$84.04
18,600 at 3.56%$84.15
18,600 at 3.57%$84.25
18,600 at 3.58%$84.36
18,600 at 3.59%$84.46
18,600 at 3.6%$84.56
18,600 at 3.61%$84.67
18,600 at 3.62%$84.77
18,600 at 3.63%$84.88
18,600 at 3.64%$84.98
18,600 at 3.65%$85.09
18,600 at 3.66%$85.19
18,600 at 3.67%$85.30
18,600 at 3.68%$85.40
18,600 at 3.69%$85.51
18,600 at 3.7%$85.61
18,600 at 3.71%$85.72
18,600 at 3.72%$85.82
18,600 at 3.73%$85.93
18,600 at 3.74%$86.03
18,600 at 3.75%$86.14
18,600 at 3.76%$86.25
18,600 at 3.77%$86.35
18,600 at 3.78%$86.46
18,600 at 3.79%$86.56
18,600 at 3.8%$86.67
18,600 at 3.81%$86.77
18,600 at 3.82%$86.88
18,600 at 3.83%$86.99
18,600 at 3.84%$87.09
18,600 at 3.85%$87.20
18,600 at 3.86%$87.30
18,600 at 3.87%$87.41
18,600 at 3.88%$87.52
18,600 at 3.89%$87.62
18,600 at 3.9%$87.73
18,600 at 3.91%$87.84
18,600 at 3.92%$87.94
18,600 at 3.93%$88.05
18,600 at 3.94%$88.16
18,600 at 3.95%$88.26
18,600 at 3.96%$88.37
18,600 at 3.97%$88.48
18,600 at 3.98%$88.58
18,600 at 3.99%$88.69
18,600 at 4%$88.80
18,600 at 4.01%$88.91
18,600 at 4.02%$89.01
18,600 at 4.03%$89.12
18,600 at 4.04%$89.23
18,600 at 4.05%$89.34
18,600 at 4.06%$89.44
18,600 at 4.07%$89.55
18,600 at 4.08%$89.66
18,600 at 4.09%$89.77
18,600 at 4.1%$89.87
18,600 at 4.11%$89.98
18,600 at 4.12%$90.09
18,600 at 4.13%$90.20
18,600 at 4.14%$90.31
18,600 at 4.15%$90.42
18,600 at 4.16%$90.52
18,600 at 4.17%$90.63
18,600 at 4.18%$90.74
18,600 at 4.19%$90.85
18,600 at 4.2%$90.96
18,600 at 4.21%$91.07
18,600 at 4.22%$91.17
18,600 at 4.23%$91.28
18,600 at 4.24%$91.39
18,600 at 4.25%$91.50
18,600 at 4.26%$91.61
18,600 at 4.27%$91.72
18,600 at 4.28%$91.83
18,600 at 4.29%$91.94
18,600 at 4.3%$92.05
18,600 at 4.31%$92.16
18,600 at 4.32%$92.26
18,600 at 4.33%$92.37
18,600 at 4.34%$92.48
18,600 at 4.35%$92.59
18,600 at 4.36%$92.70
18,600 at 4.37%$92.81
18,600 at 4.38%$92.92
18,600 at 4.39%$93.03
18,600 at 4.4%$93.14
18,600 at 4.41%$93.25
18,600 at 4.42%$93.36
18,600 at 4.43%$93.47
18,600 at 4.44%$93.58
18,600 at 4.45%$93.69
18,600 at 4.46%$93.80
18,600 at 4.47%$93.91
18,600 at 4.48%$94.02
18,600 at 4.49%$94.13
18,600 at 4.5%$94.24
18,600 at 4.51%$94.35
18,600 at 4.52%$94.46
18,600 at 4.53%$94.58
18,600 at 4.54%$94.69
18,600 at 4.55%$94.80
18,600 at 4.56%$94.91
18,600 at 4.57%$95.02
18,600 at 4.58%$95.13
18,600 at 4.59%$95.24
18,600 at 4.6%$95.35
18,600 at 4.61%$95.46
18,600 at 4.62%$95.57
18,600 at 4.63%$95.69
18,600 at 4.64%$95.80
18,600 at 4.65%$95.91
18,600 at 4.66%$96.02
18,600 at 4.67%$96.13
18,600 at 4.68%$96.24
18,600 at 4.69%$96.35
18,600 at 4.7%$96.47
18,600 at 4.71%$96.58
18,600 at 4.72%$96.69
18,600 at 4.73%$96.80
18,600 at 4.74%$96.91
18,600 at 4.75%$97.03
18,600 at 4.76%$97.14
18,600 at 4.77%$97.25
18,600 at 4.78%$97.36
18,600 at 4.79%$97.48
18,600 at 4.8%$97.59
18,600 at 4.81%$97.70
18,600 at 4.82%$97.81
18,600 at 4.83%$97.93
18,600 at 4.84%$98.04
18,600 at 4.85%$98.15
18,600 at 4.86%$98.26
18,600 at 4.87%$98.38
18,600 at 4.88%$98.49
18,600 at 4.89%$98.60
18,600 at 4.9%$98.72
18,600 at 4.91%$98.83
18,600 at 4.92%$98.94
18,600 at 4.93%$99.05
18,600 at 4.94%$99.17
18,600 at 4.95%$99.28
18,600 at 4.96%$99.39
18,600 at 4.97%$99.51
18,600 at 4.98%$99.62
18,600 at 4.99%$99.74
18,600 at 5%$99.85
Interest Rate 30 Year
18,600 at 5.01%$99.96
18,600 at 5.02%$100.08
18,600 at 5.03%$100.19
18,600 at 5.04%$100.30
18,600 at 5.05%$100.42
18,600 at 5.06%$100.53
18,600 at 5.07%$100.65
18,600 at 5.08%$100.76
18,600 at 5.09%$100.87
18,600 at 5.1%$100.99
18,600 at 5.11%$101.10
18,600 at 5.12%$101.22
18,600 at 5.13%$101.33
18,600 at 5.14%$101.45
18,600 at 5.15%$101.56
18,600 at 5.16%$101.68
18,600 at 5.17%$101.79
18,600 at 5.18%$101.90
18,600 at 5.19%$102.02
18,600 at 5.2%$102.13
18,600 at 5.21%$102.25
18,600 at 5.22%$102.36
18,600 at 5.23%$102.48
18,600 at 5.24%$102.59
18,600 at 5.25%$102.71
18,600 at 5.26%$102.83
18,600 at 5.27%$102.94
18,600 at 5.28%$103.06
18,600 at 5.29%$103.17
18,600 at 5.3%$103.29
18,600 at 5.31%$103.40
18,600 at 5.32%$103.52
18,600 at 5.33%$103.63
18,600 at 5.34%$103.75
18,600 at 5.35%$103.86
18,600 at 5.36%$103.98
18,600 at 5.37%$104.10
18,600 at 5.38%$104.21
18,600 at 5.39%$104.33
18,600 at 5.4%$104.44
18,600 at 5.41%$104.56
18,600 at 5.42%$104.68
18,600 at 5.43%$104.79
18,600 at 5.44%$104.91
18,600 at 5.45%$105.03
18,600 at 5.46%$105.14
18,600 at 5.47%$105.26
18,600 at 5.48%$105.38
18,600 at 5.49%$105.49
18,600 at 5.5%$105.61
18,600 at 5.51%$105.73
18,600 at 5.52%$105.84
18,600 at 5.53%$105.96
18,600 at 5.54%$106.08
18,600 at 5.55%$106.19
18,600 at 5.56%$106.31
18,600 at 5.57%$106.43
18,600 at 5.58%$106.54
18,600 at 5.59%$106.66
18,600 at 5.6%$106.78
18,600 at 5.61%$106.90
18,600 at 5.62%$107.01
18,600 at 5.63%$107.13
18,600 at 5.64%$107.25
18,600 at 5.65%$107.37
18,600 at 5.66%$107.48
18,600 at 5.67%$107.60
18,600 at 5.68%$107.72
18,600 at 5.69%$107.84
18,600 at 5.7%$107.95
18,600 at 5.71%$108.07
18,600 at 5.72%$108.19
18,600 at 5.73%$108.31
18,600 at 5.74%$108.43
18,600 at 5.75%$108.54
18,600 at 5.76%$108.66
18,600 at 5.77%$108.78
18,600 at 5.78%$108.90
18,600 at 5.79%$109.02
18,600 at 5.8%$109.14
18,600 at 5.81%$109.25
18,600 at 5.82%$109.37
18,600 at 5.83%$109.49
18,600 at 5.84%$109.61
18,600 at 5.85%$109.73
18,600 at 5.86%$109.85
18,600 at 5.87%$109.97
18,600 at 5.88%$110.09
18,600 at 5.89%$110.20
18,600 at 5.9%$110.32
18,600 at 5.91%$110.44
18,600 at 5.92%$110.56
18,600 at 5.93%$110.68
18,600 at 5.94%$110.80
18,600 at 5.95%$110.92
18,600 at 5.96%$111.04
18,600 at 5.97%$111.16
18,600 at 5.98%$111.28
18,600 at 5.99%$111.40
18,600 at 6%$111.52
18,600 at 6.01%$111.64
18,600 at 6.02%$111.76
18,600 at 6.03%$111.88
18,600 at 6.04%$112.00
18,600 at 6.05%$112.12
18,600 at 6.06%$112.23
18,600 at 6.07%$112.35
18,600 at 6.08%$112.47
18,600 at 6.09%$112.59
18,600 at 6.1%$112.72
18,600 at 6.11%$112.84
18,600 at 6.12%$112.96
18,600 at 6.13%$113.08
18,600 at 6.14%$113.20
18,600 at 6.15%$113.32
18,600 at 6.16%$113.44
18,600 at 6.17%$113.56
18,600 at 6.18%$113.68
18,600 at 6.19%$113.80
18,600 at 6.2%$113.92
18,600 at 6.21%$114.04
18,600 at 6.22%$114.16
18,600 at 6.23%$114.28
18,600 at 6.24%$114.40
18,600 at 6.25%$114.52
18,600 at 6.26%$114.64
18,600 at 6.27%$114.77
18,600 at 6.28%$114.89
18,600 at 6.29%$115.01
18,600 at 6.3%$115.13
18,600 at 6.31%$115.25
18,600 at 6.32%$115.37
18,600 at 6.33%$115.49
18,600 at 6.34%$115.61
18,600 at 6.35%$115.74
18,600 at 6.36%$115.86
18,600 at 6.37%$115.98
18,600 at 6.38%$116.10
18,600 at 6.39%$116.22
18,600 at 6.4%$116.34
18,600 at 6.41%$116.47
18,600 at 6.42%$116.59
18,600 at 6.43%$116.71
18,600 at 6.44%$116.83
18,600 at 6.45%$116.95
18,600 at 6.46%$117.08
18,600 at 6.47%$117.20
18,600 at 6.48%$117.32
18,600 at 6.49%$117.44
18,600 at 6.5%$117.56
Interest Rate 30 Year
18,600 at 6.51%$117.69
18,600 at 6.52%$117.81
18,600 at 6.53%$117.93
18,600 at 6.54%$118.05
18,600 at 6.55%$118.18
18,600 at 6.56%$118.30
18,600 at 6.57%$118.42
18,600 at 6.58%$118.54
18,600 at 6.59%$118.67
18,600 at 6.6%$118.79
18,600 at 6.61%$118.91
18,600 at 6.62%$119.04
18,600 at 6.63%$119.16
18,600 at 6.64%$119.28
18,600 at 6.65%$119.41
18,600 at 6.66%$119.53
18,600 at 6.67%$119.65
18,600 at 6.68%$119.78
18,600 at 6.69%$119.90
18,600 at 6.7%$120.02
18,600 at 6.71%$120.15
18,600 at 6.72%$120.27
18,600 at 6.73%$120.39
18,600 at 6.74%$120.52
18,600 at 6.75%$120.64
18,600 at 6.76%$120.76
18,600 at 6.77%$120.89
18,600 at 6.78%$121.01
18,600 at 6.79%$121.13
18,600 at 6.8%$121.26
18,600 at 6.81%$121.38
18,600 at 6.82%$121.51
18,600 at 6.83%$121.63
18,600 at 6.84%$121.75
18,600 at 6.85%$121.88
18,600 at 6.86%$122.00
18,600 at 6.87%$122.13
18,600 at 6.88%$122.25
18,600 at 6.89%$122.38
18,600 at 6.9%$122.50
18,600 at 6.91%$122.62
18,600 at 6.92%$122.75
18,600 at 6.93%$122.87
18,600 at 6.94%$123.00
18,600 at 6.95%$123.12
18,600 at 6.96%$123.25
18,600 at 6.97%$123.37
18,600 at 6.98%$123.50
18,600 at 6.99%$123.62
18,600 at 7%$123.75
18,600 at 7.01%$123.87
18,600 at 7.02%$124.00
18,600 at 7.03%$124.12
18,600 at 7.04%$124.25
18,600 at 7.05%$124.37
18,600 at 7.06%$124.50
18,600 at 7.07%$124.62
18,600 at 7.08%$124.75
18,600 at 7.09%$124.87
18,600 at 7.1%$125.00
18,600 at 7.11%$125.12
18,600 at 7.12%$125.25
18,600 at 7.13%$125.37
18,600 at 7.14%$125.50
18,600 at 7.15%$125.63
18,600 at 7.16%$125.75
18,600 at 7.17%$125.88
18,600 at 7.18%$126.00
18,600 at 7.19%$126.13
18,600 at 7.2%$126.25
18,600 at 7.21%$126.38
18,600 at 7.22%$126.51
18,600 at 7.23%$126.63
18,600 at 7.24%$126.76
18,600 at 7.25%$126.88
18,600 at 7.26%$127.01
18,600 at 7.27%$127.14
18,600 at 7.28%$127.26
18,600 at 7.29%$127.39
18,600 at 7.3%$127.52
18,600 at 7.31%$127.64
18,600 at 7.32%$127.77
18,600 at 7.33%$127.90
18,600 at 7.34%$128.02
18,600 at 7.35%$128.15
18,600 at 7.36%$128.28
18,600 at 7.37%$128.40
18,600 at 7.38%$128.53
18,600 at 7.39%$128.66
18,600 at 7.4%$128.78
18,600 at 7.41%$128.91
18,600 at 7.42%$129.04
18,600 at 7.43%$129.16
18,600 at 7.44%$129.29
18,600 at 7.45%$129.42
18,600 at 7.46%$129.54
18,600 at 7.47%$129.67
18,600 at 7.48%$129.80
18,600 at 7.49%$129.93
18,600 at 7.5%$130.05
18,600 at 7.51%$130.18
18,600 at 7.52%$130.31
18,600 at 7.53%$130.44
18,600 at 7.54%$130.56
18,600 at 7.55%$130.69
18,600 at 7.56%$130.82
18,600 at 7.57%$130.95
18,600 at 7.58%$131.07
18,600 at 7.59%$131.20
18,600 at 7.6%$131.33
18,600 at 7.61%$131.46
18,600 at 7.62%$131.59
18,600 at 7.63%$131.71
18,600 at 7.64%$131.84
18,600 at 7.65%$131.97
18,600 at 7.66%$132.10
18,600 at 7.67%$132.23
18,600 at 7.68%$132.35
18,600 at 7.69%$132.48
18,600 at 7.7%$132.61
18,600 at 7.71%$132.74
18,600 at 7.72%$132.87
18,600 at 7.73%$133.00
18,600 at 7.74%$133.12
18,600 at 7.75%$133.25
18,600 at 7.76%$133.38
18,600 at 7.77%$133.51
18,600 at 7.78%$133.64
18,600 at 7.79%$133.77
18,600 at 7.8%$133.90
18,600 at 7.81%$134.02
18,600 at 7.82%$134.15
18,600 at 7.83%$134.28
18,600 at 7.84%$134.41
18,600 at 7.85%$134.54
18,600 at 7.86%$134.67
18,600 at 7.87%$134.80
18,600 at 7.88%$134.93
18,600 at 7.89%$135.06
18,600 at 7.9%$135.19
18,600 at 7.91%$135.32
18,600 at 7.92%$135.44
18,600 at 7.93%$135.57
18,600 at 7.94%$135.70
18,600 at 7.95%$135.83
18,600 at 7.96%$135.96
18,600 at 7.97%$136.09
18,600 at 7.98%$136.22
18,600 at 7.99%$136.35
18,600 at 8%$136.48
More Amounts
What is the down payment for a $18,600 house? How much do you need to put down?
Percent Down Down Payment
1%186
2%372
3%558
4%744
5%930
6%1,116
7%1,302
8%1,488
9%1,674
10%1,860
11%2,046
12%2,232
13%2,418
14%2,604
15%2,790
16%2,976
17%3,162
18%3,348
19%3,534
20%3,720
Percent Down Down Payment
21%3,906
22%4,092
23%4,278
24%4,464
25%4,650
26%4,836
27%5,022
28%5,208
29%5,394
30%5,580
31%5,766
32%5,952
33%6,138
34%6,324
35%6,510
36%6,696
37%6,882
38%7,068
39%7,254
40%7,440
Percent Down Down Payment
41%7,626
42%7,812
43%7,998
44%8,184
45%8,370
46%8,556
47%8,742
48%8,928
49%9,114
50%9,300
51%9,486
52%9,672
53%9,858
54%10,044
55%10,230
56%10,416
57%10,602
58%10,788
59%10,974
60%11,160
Percent Down Down Payment
61%11,346
62%11,532
63%11,718
64%11,904
65%12,090
66%12,276
67%12,462
68%12,648
69%12,834
70%13,020
71%13,206
72%13,392
73%13,578
74%13,764
75%13,950
76%14,136
77%14,322
78%14,508
79%14,694
80%14,880
Percent Down Down Payment
81%15,066
82%15,252
83%15,438
84%15,624
85%15,810
86%15,996
87%16,182
88%16,368
89%16,554
90%16,740
91%16,926
92%17,112
93%17,298
94%17,484
95%17,670
96%17,856
97%18,042
98%18,228
99%18,414
100%18,600
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.