$18,900 Mortgage for 30 Years

What is the monthly payment of a 18,900 dollar loan?
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Loan Tables for a $18,900 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 $18,900 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
18,900 at 2.01%$69.95
18,900 at 2.02%$70.05
18,900 at 2.03%$70.14
18,900 at 2.04%$70.24
18,900 at 2.05%$70.33
18,900 at 2.06%$70.43
18,900 at 2.07%$70.52
18,900 at 2.08%$70.62
18,900 at 2.09%$70.71
18,900 at 2.1%$70.81
18,900 at 2.11%$70.90
18,900 at 2.12%$71.00
18,900 at 2.13%$71.09
18,900 at 2.14%$71.19
18,900 at 2.15%$71.28
18,900 at 2.16%$71.38
18,900 at 2.17%$71.48
18,900 at 2.18%$71.57
18,900 at 2.19%$71.67
18,900 at 2.2%$71.76
18,900 at 2.21%$71.86
18,900 at 2.22%$71.96
18,900 at 2.23%$72.05
18,900 at 2.24%$72.15
18,900 at 2.25%$72.24
18,900 at 2.26%$72.34
18,900 at 2.27%$72.44
18,900 at 2.28%$72.53
18,900 at 2.29%$72.63
18,900 at 2.3%$72.73
18,900 at 2.31%$72.82
18,900 at 2.32%$72.92
18,900 at 2.33%$73.02
18,900 at 2.34%$73.12
18,900 at 2.35%$73.21
18,900 at 2.36%$73.31
18,900 at 2.37%$73.41
18,900 at 2.38%$73.50
18,900 at 2.39%$73.60
18,900 at 2.4%$73.70
18,900 at 2.41%$73.80
18,900 at 2.42%$73.89
18,900 at 2.43%$73.99
18,900 at 2.44%$74.09
18,900 at 2.45%$74.19
18,900 at 2.46%$74.29
18,900 at 2.47%$74.38
18,900 at 2.48%$74.48
18,900 at 2.49%$74.58
18,900 at 2.5%$74.68
18,900 at 2.51%$74.78
18,900 at 2.52%$74.87
18,900 at 2.53%$74.97
18,900 at 2.54%$75.07
18,900 at 2.55%$75.17
18,900 at 2.56%$75.27
18,900 at 2.57%$75.37
18,900 at 2.58%$75.47
18,900 at 2.59%$75.57
18,900 at 2.6%$75.66
18,900 at 2.61%$75.76
18,900 at 2.62%$75.86
18,900 at 2.63%$75.96
18,900 at 2.64%$76.06
18,900 at 2.65%$76.16
18,900 at 2.66%$76.26
18,900 at 2.67%$76.36
18,900 at 2.68%$76.46
18,900 at 2.69%$76.56
18,900 at 2.7%$76.66
18,900 at 2.71%$76.76
18,900 at 2.72%$76.86
18,900 at 2.73%$76.96
18,900 at 2.74%$77.06
18,900 at 2.75%$77.16
18,900 at 2.76%$77.26
18,900 at 2.77%$77.36
18,900 at 2.78%$77.46
18,900 at 2.79%$77.56
18,900 at 2.8%$77.66
18,900 at 2.81%$77.76
18,900 at 2.82%$77.86
18,900 at 2.83%$77.96
18,900 at 2.84%$78.06
18,900 at 2.85%$78.16
18,900 at 2.86%$78.26
18,900 at 2.87%$78.36
18,900 at 2.88%$78.47
18,900 at 2.89%$78.57
18,900 at 2.9%$78.67
18,900 at 2.91%$78.77
18,900 at 2.92%$78.87
18,900 at 2.93%$78.97
18,900 at 2.94%$79.07
18,900 at 2.95%$79.17
18,900 at 2.96%$79.28
18,900 at 2.97%$79.38
18,900 at 2.98%$79.48
18,900 at 2.99%$79.58
18,900 at 3%$79.68
18,900 at 3.01%$79.79
18,900 at 3.02%$79.89
18,900 at 3.03%$79.99
18,900 at 3.04%$80.09
18,900 at 3.05%$80.19
18,900 at 3.06%$80.30
18,900 at 3.07%$80.40
18,900 at 3.08%$80.50
18,900 at 3.09%$80.60
18,900 at 3.1%$80.71
18,900 at 3.11%$80.81
18,900 at 3.12%$80.91
18,900 at 3.13%$81.01
18,900 at 3.14%$81.12
18,900 at 3.15%$81.22
18,900 at 3.16%$81.32
18,900 at 3.17%$81.43
18,900 at 3.18%$81.53
18,900 at 3.19%$81.63
18,900 at 3.2%$81.74
18,900 at 3.21%$81.84
18,900 at 3.22%$81.94
18,900 at 3.23%$82.05
18,900 at 3.24%$82.15
18,900 at 3.25%$82.25
18,900 at 3.26%$82.36
18,900 at 3.27%$82.46
18,900 at 3.28%$82.57
18,900 at 3.29%$82.67
18,900 at 3.3%$82.77
18,900 at 3.31%$82.88
18,900 at 3.32%$82.98
18,900 at 3.33%$83.09
18,900 at 3.34%$83.19
18,900 at 3.35%$83.29
18,900 at 3.36%$83.40
18,900 at 3.37%$83.50
18,900 at 3.38%$83.61
18,900 at 3.39%$83.71
18,900 at 3.4%$83.82
18,900 at 3.41%$83.92
18,900 at 3.42%$84.03
18,900 at 3.43%$84.13
18,900 at 3.44%$84.24
18,900 at 3.45%$84.34
18,900 at 3.46%$84.45
18,900 at 3.47%$84.55
18,900 at 3.48%$84.66
18,900 at 3.49%$84.76
18,900 at 3.5%$84.87
Interest Rate 30 Year
18,900 at 3.51%$84.97
18,900 at 3.52%$85.08
18,900 at 3.53%$85.19
18,900 at 3.54%$85.29
18,900 at 3.55%$85.40
18,900 at 3.56%$85.50
18,900 at 3.57%$85.61
18,900 at 3.58%$85.72
18,900 at 3.59%$85.82
18,900 at 3.6%$85.93
18,900 at 3.61%$86.03
18,900 at 3.62%$86.14
18,900 at 3.63%$86.25
18,900 at 3.64%$86.35
18,900 at 3.65%$86.46
18,900 at 3.66%$86.57
18,900 at 3.67%$86.67
18,900 at 3.68%$86.78
18,900 at 3.69%$86.89
18,900 at 3.7%$86.99
18,900 at 3.71%$87.10
18,900 at 3.72%$87.21
18,900 at 3.73%$87.31
18,900 at 3.74%$87.42
18,900 at 3.75%$87.53
18,900 at 3.76%$87.64
18,900 at 3.77%$87.74
18,900 at 3.78%$87.85
18,900 at 3.79%$87.96
18,900 at 3.8%$88.07
18,900 at 3.81%$88.17
18,900 at 3.82%$88.28
18,900 at 3.83%$88.39
18,900 at 3.84%$88.50
18,900 at 3.85%$88.60
18,900 at 3.86%$88.71
18,900 at 3.87%$88.82
18,900 at 3.88%$88.93
18,900 at 3.89%$89.04
18,900 at 3.9%$89.15
18,900 at 3.91%$89.25
18,900 at 3.92%$89.36
18,900 at 3.93%$89.47
18,900 at 3.94%$89.58
18,900 at 3.95%$89.69
18,900 at 3.96%$89.80
18,900 at 3.97%$89.90
18,900 at 3.98%$90.01
18,900 at 3.99%$90.12
18,900 at 4%$90.23
18,900 at 4.01%$90.34
18,900 at 4.02%$90.45
18,900 at 4.03%$90.56
18,900 at 4.04%$90.67
18,900 at 4.05%$90.78
18,900 at 4.06%$90.89
18,900 at 4.07%$91.00
18,900 at 4.08%$91.11
18,900 at 4.09%$91.21
18,900 at 4.1%$91.32
18,900 at 4.11%$91.43
18,900 at 4.12%$91.54
18,900 at 4.13%$91.65
18,900 at 4.14%$91.76
18,900 at 4.15%$91.87
18,900 at 4.16%$91.98
18,900 at 4.17%$92.09
18,900 at 4.18%$92.20
18,900 at 4.19%$92.31
18,900 at 4.2%$92.42
18,900 at 4.21%$92.53
18,900 at 4.22%$92.65
18,900 at 4.23%$92.76
18,900 at 4.24%$92.87
18,900 at 4.25%$92.98
18,900 at 4.26%$93.09
18,900 at 4.27%$93.20
18,900 at 4.28%$93.31
18,900 at 4.29%$93.42
18,900 at 4.3%$93.53
18,900 at 4.31%$93.64
18,900 at 4.32%$93.75
18,900 at 4.33%$93.86
18,900 at 4.34%$93.98
18,900 at 4.35%$94.09
18,900 at 4.36%$94.20
18,900 at 4.37%$94.31
18,900 at 4.38%$94.42
18,900 at 4.39%$94.53
18,900 at 4.4%$94.64
18,900 at 4.41%$94.76
18,900 at 4.42%$94.87
18,900 at 4.43%$94.98
18,900 at 4.44%$95.09
18,900 at 4.45%$95.20
18,900 at 4.46%$95.31
18,900 at 4.47%$95.43
18,900 at 4.48%$95.54
18,900 at 4.49%$95.65
18,900 at 4.5%$95.76
18,900 at 4.51%$95.88
18,900 at 4.52%$95.99
18,900 at 4.53%$96.10
18,900 at 4.54%$96.21
18,900 at 4.55%$96.33
18,900 at 4.56%$96.44
18,900 at 4.57%$96.55
18,900 at 4.58%$96.66
18,900 at 4.59%$96.78
18,900 at 4.6%$96.89
18,900 at 4.61%$97.00
18,900 at 4.62%$97.12
18,900 at 4.63%$97.23
18,900 at 4.64%$97.34
18,900 at 4.65%$97.46
18,900 at 4.66%$97.57
18,900 at 4.67%$97.68
18,900 at 4.68%$97.80
18,900 at 4.69%$97.91
18,900 at 4.7%$98.02
18,900 at 4.71%$98.14
18,900 at 4.72%$98.25
18,900 at 4.73%$98.36
18,900 at 4.74%$98.48
18,900 at 4.75%$98.59
18,900 at 4.76%$98.71
18,900 at 4.77%$98.82
18,900 at 4.78%$98.93
18,900 at 4.79%$99.05
18,900 at 4.8%$99.16
18,900 at 4.81%$99.28
18,900 at 4.82%$99.39
18,900 at 4.83%$99.50
18,900 at 4.84%$99.62
18,900 at 4.85%$99.73
18,900 at 4.86%$99.85
18,900 at 4.87%$99.96
18,900 at 4.88%$100.08
18,900 at 4.89%$100.19
18,900 at 4.9%$100.31
18,900 at 4.91%$100.42
18,900 at 4.92%$100.54
18,900 at 4.93%$100.65
18,900 at 4.94%$100.77
18,900 at 4.95%$100.88
18,900 at 4.96%$101.00
18,900 at 4.97%$101.11
18,900 at 4.98%$101.23
18,900 at 4.99%$101.34
18,900 at 5%$101.46
Interest Rate 30 Year
18,900 at 5.01%$101.57
18,900 at 5.02%$101.69
18,900 at 5.03%$101.81
18,900 at 5.04%$101.92
18,900 at 5.05%$102.04
18,900 at 5.06%$102.15
18,900 at 5.07%$102.27
18,900 at 5.08%$102.39
18,900 at 5.09%$102.50
18,900 at 5.1%$102.62
18,900 at 5.11%$102.73
18,900 at 5.12%$102.85
18,900 at 5.13%$102.97
18,900 at 5.14%$103.08
18,900 at 5.15%$103.20
18,900 at 5.16%$103.32
18,900 at 5.17%$103.43
18,900 at 5.18%$103.55
18,900 at 5.19%$103.67
18,900 at 5.2%$103.78
18,900 at 5.21%$103.90
18,900 at 5.22%$104.02
18,900 at 5.23%$104.13
18,900 at 5.24%$104.25
18,900 at 5.25%$104.37
18,900 at 5.26%$104.48
18,900 at 5.27%$104.60
18,900 at 5.28%$104.72
18,900 at 5.29%$104.84
18,900 at 5.3%$104.95
18,900 at 5.31%$105.07
18,900 at 5.32%$105.19
18,900 at 5.33%$105.30
18,900 at 5.34%$105.42
18,900 at 5.35%$105.54
18,900 at 5.36%$105.66
18,900 at 5.37%$105.78
18,900 at 5.38%$105.89
18,900 at 5.39%$106.01
18,900 at 5.4%$106.13
18,900 at 5.41%$106.25
18,900 at 5.42%$106.37
18,900 at 5.43%$106.48
18,900 at 5.44%$106.60
18,900 at 5.45%$106.72
18,900 at 5.46%$106.84
18,900 at 5.47%$106.96
18,900 at 5.48%$107.08
18,900 at 5.49%$107.19
18,900 at 5.5%$107.31
18,900 at 5.51%$107.43
18,900 at 5.52%$107.55
18,900 at 5.53%$107.67
18,900 at 5.54%$107.79
18,900 at 5.55%$107.91
18,900 at 5.56%$108.02
18,900 at 5.57%$108.14
18,900 at 5.58%$108.26
18,900 at 5.59%$108.38
18,900 at 5.6%$108.50
18,900 at 5.61%$108.62
18,900 at 5.62%$108.74
18,900 at 5.63%$108.86
18,900 at 5.64%$108.98
18,900 at 5.65%$109.10
18,900 at 5.66%$109.22
18,900 at 5.67%$109.34
18,900 at 5.68%$109.46
18,900 at 5.69%$109.58
18,900 at 5.7%$109.70
18,900 at 5.71%$109.82
18,900 at 5.72%$109.94
18,900 at 5.73%$110.06
18,900 at 5.74%$110.18
18,900 at 5.75%$110.30
18,900 at 5.76%$110.42
18,900 at 5.77%$110.54
18,900 at 5.78%$110.66
18,900 at 5.79%$110.78
18,900 at 5.8%$110.90
18,900 at 5.81%$111.02
18,900 at 5.82%$111.14
18,900 at 5.83%$111.26
18,900 at 5.84%$111.38
18,900 at 5.85%$111.50
18,900 at 5.86%$111.62
18,900 at 5.87%$111.74
18,900 at 5.88%$111.86
18,900 at 5.89%$111.98
18,900 at 5.9%$112.10
18,900 at 5.91%$112.22
18,900 at 5.92%$112.34
18,900 at 5.93%$112.47
18,900 at 5.94%$112.59
18,900 at 5.95%$112.71
18,900 at 5.96%$112.83
18,900 at 5.97%$112.95
18,900 at 5.98%$113.07
18,900 at 5.99%$113.19
18,900 at 6%$113.32
18,900 at 6.01%$113.44
18,900 at 6.02%$113.56
18,900 at 6.03%$113.68
18,900 at 6.04%$113.80
18,900 at 6.05%$113.92
18,900 at 6.06%$114.05
18,900 at 6.07%$114.17
18,900 at 6.08%$114.29
18,900 at 6.09%$114.41
18,900 at 6.1%$114.53
18,900 at 6.11%$114.66
18,900 at 6.12%$114.78
18,900 at 6.13%$114.90
18,900 at 6.14%$115.02
18,900 at 6.15%$115.14
18,900 at 6.16%$115.27
18,900 at 6.17%$115.39
18,900 at 6.18%$115.51
18,900 at 6.19%$115.63
18,900 at 6.2%$115.76
18,900 at 6.21%$115.88
18,900 at 6.22%$116.00
18,900 at 6.23%$116.12
18,900 at 6.24%$116.25
18,900 at 6.25%$116.37
18,900 at 6.26%$116.49
18,900 at 6.27%$116.62
18,900 at 6.28%$116.74
18,900 at 6.29%$116.86
18,900 at 6.3%$116.99
18,900 at 6.31%$117.11
18,900 at 6.32%$117.23
18,900 at 6.33%$117.36
18,900 at 6.34%$117.48
18,900 at 6.35%$117.60
18,900 at 6.36%$117.73
18,900 at 6.37%$117.85
18,900 at 6.38%$117.97
18,900 at 6.39%$118.10
18,900 at 6.4%$118.22
18,900 at 6.41%$118.34
18,900 at 6.42%$118.47
18,900 at 6.43%$118.59
18,900 at 6.44%$118.72
18,900 at 6.45%$118.84
18,900 at 6.46%$118.96
18,900 at 6.47%$119.09
18,900 at 6.48%$119.21
18,900 at 6.49%$119.34
18,900 at 6.5%$119.46
Interest Rate 30 Year
18,900 at 6.51%$119.59
18,900 at 6.52%$119.71
18,900 at 6.53%$119.83
18,900 at 6.54%$119.96
18,900 at 6.55%$120.08
18,900 at 6.56%$120.21
18,900 at 6.57%$120.33
18,900 at 6.58%$120.46
18,900 at 6.59%$120.58
18,900 at 6.6%$120.71
18,900 at 6.61%$120.83
18,900 at 6.62%$120.96
18,900 at 6.63%$121.08
18,900 at 6.64%$121.21
18,900 at 6.65%$121.33
18,900 at 6.66%$121.46
18,900 at 6.67%$121.58
18,900 at 6.68%$121.71
18,900 at 6.69%$121.83
18,900 at 6.7%$121.96
18,900 at 6.71%$122.08
18,900 at 6.72%$122.21
18,900 at 6.73%$122.33
18,900 at 6.74%$122.46
18,900 at 6.75%$122.59
18,900 at 6.76%$122.71
18,900 at 6.77%$122.84
18,900 at 6.78%$122.96
18,900 at 6.79%$123.09
18,900 at 6.8%$123.21
18,900 at 6.81%$123.34
18,900 at 6.82%$123.47
18,900 at 6.83%$123.59
18,900 at 6.84%$123.72
18,900 at 6.85%$123.84
18,900 at 6.86%$123.97
18,900 at 6.87%$124.10
18,900 at 6.88%$124.22
18,900 at 6.89%$124.35
18,900 at 6.9%$124.48
18,900 at 6.91%$124.60
18,900 at 6.92%$124.73
18,900 at 6.93%$124.85
18,900 at 6.94%$124.98
18,900 at 6.95%$125.11
18,900 at 6.96%$125.23
18,900 at 6.97%$125.36
18,900 at 6.98%$125.49
18,900 at 6.99%$125.62
18,900 at 7%$125.74
18,900 at 7.01%$125.87
18,900 at 7.02%$126.00
18,900 at 7.03%$126.12
18,900 at 7.04%$126.25
18,900 at 7.05%$126.38
18,900 at 7.06%$126.50
18,900 at 7.07%$126.63
18,900 at 7.08%$126.76
18,900 at 7.09%$126.89
18,900 at 7.1%$127.01
18,900 at 7.11%$127.14
18,900 at 7.12%$127.27
18,900 at 7.13%$127.40
18,900 at 7.14%$127.52
18,900 at 7.15%$127.65
18,900 at 7.16%$127.78
18,900 at 7.17%$127.91
18,900 at 7.18%$128.04
18,900 at 7.19%$128.16
18,900 at 7.2%$128.29
18,900 at 7.21%$128.42
18,900 at 7.22%$128.55
18,900 at 7.23%$128.68
18,900 at 7.24%$128.80
18,900 at 7.25%$128.93
18,900 at 7.26%$129.06
18,900 at 7.27%$129.19
18,900 at 7.28%$129.32
18,900 at 7.29%$129.44
18,900 at 7.3%$129.57
18,900 at 7.31%$129.70
18,900 at 7.32%$129.83
18,900 at 7.33%$129.96
18,900 at 7.34%$130.09
18,900 at 7.35%$130.22
18,900 at 7.36%$130.34
18,900 at 7.37%$130.47
18,900 at 7.38%$130.60
18,900 at 7.39%$130.73
18,900 at 7.4%$130.86
18,900 at 7.41%$130.99
18,900 at 7.42%$131.12
18,900 at 7.43%$131.25
18,900 at 7.44%$131.38
18,900 at 7.45%$131.51
18,900 at 7.46%$131.63
18,900 at 7.47%$131.76
18,900 at 7.48%$131.89
18,900 at 7.49%$132.02
18,900 at 7.5%$132.15
18,900 at 7.51%$132.28
18,900 at 7.52%$132.41
18,900 at 7.53%$132.54
18,900 at 7.54%$132.67
18,900 at 7.55%$132.80
18,900 at 7.56%$132.93
18,900 at 7.57%$133.06
18,900 at 7.58%$133.19
18,900 at 7.59%$133.32
18,900 at 7.6%$133.45
18,900 at 7.61%$133.58
18,900 at 7.62%$133.71
18,900 at 7.63%$133.84
18,900 at 7.64%$133.97
18,900 at 7.65%$134.10
18,900 at 7.66%$134.23
18,900 at 7.67%$134.36
18,900 at 7.68%$134.49
18,900 at 7.69%$134.62
18,900 at 7.7%$134.75
18,900 at 7.71%$134.88
18,900 at 7.72%$135.01
18,900 at 7.73%$135.14
18,900 at 7.74%$135.27
18,900 at 7.75%$135.40
18,900 at 7.76%$135.53
18,900 at 7.77%$135.66
18,900 at 7.78%$135.79
18,900 at 7.79%$135.92
18,900 at 7.8%$136.06
18,900 at 7.81%$136.19
18,900 at 7.82%$136.32
18,900 at 7.83%$136.45
18,900 at 7.84%$136.58
18,900 at 7.85%$136.71
18,900 at 7.86%$136.84
18,900 at 7.87%$136.97
18,900 at 7.88%$137.10
18,900 at 7.89%$137.23
18,900 at 7.9%$137.37
18,900 at 7.91%$137.50
18,900 at 7.92%$137.63
18,900 at 7.93%$137.76
18,900 at 7.94%$137.89
18,900 at 7.95%$138.02
18,900 at 7.96%$138.15
18,900 at 7.97%$138.29
18,900 at 7.98%$138.42
18,900 at 7.99%$138.55
18,900 at 8%$138.68
More Amounts
What is the down payment for a $18,900 house? How much do you need to put down?
Percent Down Down Payment
1%189
2%378
3%567
4%756
5%945
6%1,134
7%1,323
8%1,512
9%1,701
10%1,890
11%2,079
12%2,268
13%2,457
14%2,646
15%2,835
16%3,024
17%3,213
18%3,402
19%3,591
20%3,780
Percent Down Down Payment
21%3,969
22%4,158
23%4,347
24%4,536
25%4,725
26%4,914
27%5,103
28%5,292
29%5,481
30%5,670
31%5,859
32%6,048
33%6,237
34%6,426
35%6,615
36%6,804
37%6,993
38%7,182
39%7,371
40%7,560
Percent Down Down Payment
41%7,749
42%7,938
43%8,127
44%8,316
45%8,505
46%8,694
47%8,883
48%9,072
49%9,261
50%9,450
51%9,639
52%9,828
53%10,017
54%10,206
55%10,395
56%10,584
57%10,773
58%10,962
59%11,151
60%11,340
Percent Down Down Payment
61%11,529
62%11,718
63%11,907
64%12,096
65%12,285
66%12,474
67%12,663
68%12,852
69%13,041
70%13,230
71%13,419
72%13,608
73%13,797
74%13,986
75%14,175
76%14,364
77%14,553
78%14,742
79%14,931
80%15,120
Percent Down Down Payment
81%15,309
82%15,498
83%15,687
84%15,876
85%16,065
86%16,254
87%16,443
88%16,632
89%16,821
90%17,010
91%17,199
92%17,388
93%17,577
94%17,766
95%17,955
96%18,144
97%18,333
98%18,522
99%18,711
100%18,900
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.