$18,950 Mortgage for 30 Years

What is the monthly payment of a 18,950 dollar loan?
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Loan Tables for a $18,950 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 $18,950 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
18,950 at 2.01%$70.14
18,950 at 2.02%$70.23
18,950 at 2.03%$70.33
18,950 at 2.04%$70.42
18,950 at 2.05%$70.52
18,950 at 2.06%$70.61
18,950 at 2.07%$70.71
18,950 at 2.08%$70.80
18,950 at 2.09%$70.90
18,950 at 2.1%$70.99
18,950 at 2.11%$71.09
18,950 at 2.12%$71.19
18,950 at 2.13%$71.28
18,950 at 2.14%$71.38
18,950 at 2.15%$71.47
18,950 at 2.16%$71.57
18,950 at 2.17%$71.66
18,950 at 2.18%$71.76
18,950 at 2.19%$71.86
18,950 at 2.2%$71.95
18,950 at 2.21%$72.05
18,950 at 2.22%$72.15
18,950 at 2.23%$72.24
18,950 at 2.24%$72.34
18,950 at 2.25%$72.44
18,950 at 2.26%$72.53
18,950 at 2.27%$72.63
18,950 at 2.28%$72.73
18,950 at 2.29%$72.82
18,950 at 2.3%$72.92
18,950 at 2.31%$73.02
18,950 at 2.32%$73.11
18,950 at 2.33%$73.21
18,950 at 2.34%$73.31
18,950 at 2.35%$73.41
18,950 at 2.36%$73.50
18,950 at 2.37%$73.60
18,950 at 2.38%$73.70
18,950 at 2.39%$73.80
18,950 at 2.4%$73.89
18,950 at 2.41%$73.99
18,950 at 2.42%$74.09
18,950 at 2.43%$74.19
18,950 at 2.44%$74.29
18,950 at 2.45%$74.38
18,950 at 2.46%$74.48
18,950 at 2.47%$74.58
18,950 at 2.48%$74.68
18,950 at 2.49%$74.78
18,950 at 2.5%$74.88
18,950 at 2.51%$74.97
18,950 at 2.52%$75.07
18,950 at 2.53%$75.17
18,950 at 2.54%$75.27
18,950 at 2.55%$75.37
18,950 at 2.56%$75.47
18,950 at 2.57%$75.57
18,950 at 2.58%$75.67
18,950 at 2.59%$75.77
18,950 at 2.6%$75.86
18,950 at 2.61%$75.96
18,950 at 2.62%$76.06
18,950 at 2.63%$76.16
18,950 at 2.64%$76.26
18,950 at 2.65%$76.36
18,950 at 2.66%$76.46
18,950 at 2.67%$76.56
18,950 at 2.68%$76.66
18,950 at 2.69%$76.76
18,950 at 2.7%$76.86
18,950 at 2.71%$76.96
18,950 at 2.72%$77.06
18,950 at 2.73%$77.16
18,950 at 2.74%$77.26
18,950 at 2.75%$77.36
18,950 at 2.76%$77.46
18,950 at 2.77%$77.56
18,950 at 2.78%$77.66
18,950 at 2.79%$77.76
18,950 at 2.8%$77.86
18,950 at 2.81%$77.97
18,950 at 2.82%$78.07
18,950 at 2.83%$78.17
18,950 at 2.84%$78.27
18,950 at 2.85%$78.37
18,950 at 2.86%$78.47
18,950 at 2.87%$78.57
18,950 at 2.88%$78.67
18,950 at 2.89%$78.77
18,950 at 2.9%$78.88
18,950 at 2.91%$78.98
18,950 at 2.92%$79.08
18,950 at 2.93%$79.18
18,950 at 2.94%$79.28
18,950 at 2.95%$79.38
18,950 at 2.96%$79.49
18,950 at 2.97%$79.59
18,950 at 2.98%$79.69
18,950 at 2.99%$79.79
18,950 at 3%$79.89
18,950 at 3.01%$80.00
18,950 at 3.02%$80.10
18,950 at 3.03%$80.20
18,950 at 3.04%$80.30
18,950 at 3.05%$80.41
18,950 at 3.06%$80.51
18,950 at 3.07%$80.61
18,950 at 3.08%$80.71
18,950 at 3.09%$80.82
18,950 at 3.1%$80.92
18,950 at 3.11%$81.02
18,950 at 3.12%$81.13
18,950 at 3.13%$81.23
18,950 at 3.14%$81.33
18,950 at 3.15%$81.44
18,950 at 3.16%$81.54
18,950 at 3.17%$81.64
18,950 at 3.18%$81.75
18,950 at 3.19%$81.85
18,950 at 3.2%$81.95
18,950 at 3.21%$82.06
18,950 at 3.22%$82.16
18,950 at 3.23%$82.26
18,950 at 3.24%$82.37
18,950 at 3.25%$82.47
18,950 at 3.26%$82.58
18,950 at 3.27%$82.68
18,950 at 3.28%$82.78
18,950 at 3.29%$82.89
18,950 at 3.3%$82.99
18,950 at 3.31%$83.10
18,950 at 3.32%$83.20
18,950 at 3.33%$83.31
18,950 at 3.34%$83.41
18,950 at 3.35%$83.52
18,950 at 3.36%$83.62
18,950 at 3.37%$83.72
18,950 at 3.38%$83.83
18,950 at 3.39%$83.93
18,950 at 3.4%$84.04
18,950 at 3.41%$84.14
18,950 at 3.42%$84.25
18,950 at 3.43%$84.36
18,950 at 3.44%$84.46
18,950 at 3.45%$84.57
18,950 at 3.46%$84.67
18,950 at 3.47%$84.78
18,950 at 3.48%$84.88
18,950 at 3.49%$84.99
18,950 at 3.5%$85.09
Interest Rate 30 Year
18,950 at 3.51%$85.20
18,950 at 3.52%$85.31
18,950 at 3.53%$85.41
18,950 at 3.54%$85.52
18,950 at 3.55%$85.62
18,950 at 3.56%$85.73
18,950 at 3.57%$85.84
18,950 at 3.58%$85.94
18,950 at 3.59%$86.05
18,950 at 3.6%$86.16
18,950 at 3.61%$86.26
18,950 at 3.62%$86.37
18,950 at 3.63%$86.48
18,950 at 3.64%$86.58
18,950 at 3.65%$86.69
18,950 at 3.66%$86.80
18,950 at 3.67%$86.90
18,950 at 3.68%$87.01
18,950 at 3.69%$87.12
18,950 at 3.7%$87.22
18,950 at 3.71%$87.33
18,950 at 3.72%$87.44
18,950 at 3.73%$87.55
18,950 at 3.74%$87.65
18,950 at 3.75%$87.76
18,950 at 3.76%$87.87
18,950 at 3.77%$87.98
18,950 at 3.78%$88.08
18,950 at 3.79%$88.19
18,950 at 3.8%$88.30
18,950 at 3.81%$88.41
18,950 at 3.82%$88.51
18,950 at 3.83%$88.62
18,950 at 3.84%$88.73
18,950 at 3.85%$88.84
18,950 at 3.86%$88.95
18,950 at 3.87%$89.06
18,950 at 3.88%$89.16
18,950 at 3.89%$89.27
18,950 at 3.9%$89.38
18,950 at 3.91%$89.49
18,950 at 3.92%$89.60
18,950 at 3.93%$89.71
18,950 at 3.94%$89.82
18,950 at 3.95%$89.92
18,950 at 3.96%$90.03
18,950 at 3.97%$90.14
18,950 at 3.98%$90.25
18,950 at 3.99%$90.36
18,950 at 4%$90.47
18,950 at 4.01%$90.58
18,950 at 4.02%$90.69
18,950 at 4.03%$90.80
18,950 at 4.04%$90.91
18,950 at 4.05%$91.02
18,950 at 4.06%$91.13
18,950 at 4.07%$91.24
18,950 at 4.08%$91.35
18,950 at 4.09%$91.46
18,950 at 4.1%$91.57
18,950 at 4.11%$91.68
18,950 at 4.12%$91.79
18,950 at 4.13%$91.90
18,950 at 4.14%$92.01
18,950 at 4.15%$92.12
18,950 at 4.16%$92.23
18,950 at 4.17%$92.34
18,950 at 4.18%$92.45
18,950 at 4.19%$92.56
18,950 at 4.2%$92.67
18,950 at 4.21%$92.78
18,950 at 4.22%$92.89
18,950 at 4.23%$93.00
18,950 at 4.24%$93.11
18,950 at 4.25%$93.22
18,950 at 4.26%$93.33
18,950 at 4.27%$93.44
18,950 at 4.28%$93.56
18,950 at 4.29%$93.67
18,950 at 4.3%$93.78
18,950 at 4.31%$93.89
18,950 at 4.32%$94.00
18,950 at 4.33%$94.11
18,950 at 4.34%$94.22
18,950 at 4.35%$94.34
18,950 at 4.36%$94.45
18,950 at 4.37%$94.56
18,950 at 4.38%$94.67
18,950 at 4.39%$94.78
18,950 at 4.4%$94.89
18,950 at 4.41%$95.01
18,950 at 4.42%$95.12
18,950 at 4.43%$95.23
18,950 at 4.44%$95.34
18,950 at 4.45%$95.45
18,950 at 4.46%$95.57
18,950 at 4.47%$95.68
18,950 at 4.48%$95.79
18,950 at 4.49%$95.90
18,950 at 4.5%$96.02
18,950 at 4.51%$96.13
18,950 at 4.52%$96.24
18,950 at 4.53%$96.35
18,950 at 4.54%$96.47
18,950 at 4.55%$96.58
18,950 at 4.56%$96.69
18,950 at 4.57%$96.81
18,950 at 4.58%$96.92
18,950 at 4.59%$97.03
18,950 at 4.6%$97.15
18,950 at 4.61%$97.26
18,950 at 4.62%$97.37
18,950 at 4.63%$97.49
18,950 at 4.64%$97.60
18,950 at 4.65%$97.71
18,950 at 4.66%$97.83
18,950 at 4.67%$97.94
18,950 at 4.68%$98.05
18,950 at 4.69%$98.17
18,950 at 4.7%$98.28
18,950 at 4.71%$98.40
18,950 at 4.72%$98.51
18,950 at 4.73%$98.62
18,950 at 4.74%$98.74
18,950 at 4.75%$98.85
18,950 at 4.76%$98.97
18,950 at 4.77%$99.08
18,950 at 4.78%$99.20
18,950 at 4.79%$99.31
18,950 at 4.8%$99.42
18,950 at 4.81%$99.54
18,950 at 4.82%$99.65
18,950 at 4.83%$99.77
18,950 at 4.84%$99.88
18,950 at 4.85%$100.00
18,950 at 4.86%$100.11
18,950 at 4.87%$100.23
18,950 at 4.88%$100.34
18,950 at 4.89%$100.46
18,950 at 4.9%$100.57
18,950 at 4.91%$100.69
18,950 at 4.92%$100.80
18,950 at 4.93%$100.92
18,950 at 4.94%$101.03
18,950 at 4.95%$101.15
18,950 at 4.96%$101.26
18,950 at 4.97%$101.38
18,950 at 4.98%$101.50
18,950 at 4.99%$101.61
18,950 at 5%$101.73
Interest Rate 30 Year
18,950 at 5.01%$101.84
18,950 at 5.02%$101.96
18,950 at 5.03%$102.08
18,950 at 5.04%$102.19
18,950 at 5.05%$102.31
18,950 at 5.06%$102.42
18,950 at 5.07%$102.54
18,950 at 5.08%$102.66
18,950 at 5.09%$102.77
18,950 at 5.1%$102.89
18,950 at 5.11%$103.01
18,950 at 5.12%$103.12
18,950 at 5.13%$103.24
18,950 at 5.14%$103.36
18,950 at 5.15%$103.47
18,950 at 5.16%$103.59
18,950 at 5.17%$103.71
18,950 at 5.18%$103.82
18,950 at 5.19%$103.94
18,950 at 5.2%$104.06
18,950 at 5.21%$104.17
18,950 at 5.22%$104.29
18,950 at 5.23%$104.41
18,950 at 5.24%$104.53
18,950 at 5.25%$104.64
18,950 at 5.26%$104.76
18,950 at 5.27%$104.88
18,950 at 5.28%$104.99
18,950 at 5.29%$105.11
18,950 at 5.3%$105.23
18,950 at 5.31%$105.35
18,950 at 5.32%$105.47
18,950 at 5.33%$105.58
18,950 at 5.34%$105.70
18,950 at 5.35%$105.82
18,950 at 5.36%$105.94
18,950 at 5.37%$106.06
18,950 at 5.38%$106.17
18,950 at 5.39%$106.29
18,950 at 5.4%$106.41
18,950 at 5.41%$106.53
18,950 at 5.42%$106.65
18,950 at 5.43%$106.77
18,950 at 5.44%$106.88
18,950 at 5.45%$107.00
18,950 at 5.46%$107.12
18,950 at 5.47%$107.24
18,950 at 5.48%$107.36
18,950 at 5.49%$107.48
18,950 at 5.5%$107.60
18,950 at 5.51%$107.71
18,950 at 5.52%$107.83
18,950 at 5.53%$107.95
18,950 at 5.54%$108.07
18,950 at 5.55%$108.19
18,950 at 5.56%$108.31
18,950 at 5.57%$108.43
18,950 at 5.58%$108.55
18,950 at 5.59%$108.67
18,950 at 5.6%$108.79
18,950 at 5.61%$108.91
18,950 at 5.62%$109.03
18,950 at 5.63%$109.15
18,950 at 5.64%$109.27
18,950 at 5.65%$109.39
18,950 at 5.66%$109.51
18,950 at 5.67%$109.63
18,950 at 5.68%$109.75
18,950 at 5.69%$109.87
18,950 at 5.7%$109.99
18,950 at 5.71%$110.11
18,950 at 5.72%$110.23
18,950 at 5.73%$110.35
18,950 at 5.74%$110.47
18,950 at 5.75%$110.59
18,950 at 5.76%$110.71
18,950 at 5.77%$110.83
18,950 at 5.78%$110.95
18,950 at 5.79%$111.07
18,950 at 5.8%$111.19
18,950 at 5.81%$111.31
18,950 at 5.82%$111.43
18,950 at 5.83%$111.55
18,950 at 5.84%$111.67
18,950 at 5.85%$111.79
18,950 at 5.86%$111.91
18,950 at 5.87%$112.04
18,950 at 5.88%$112.16
18,950 at 5.89%$112.28
18,950 at 5.9%$112.40
18,950 at 5.91%$112.52
18,950 at 5.92%$112.64
18,950 at 5.93%$112.76
18,950 at 5.94%$112.88
18,950 at 5.95%$113.01
18,950 at 5.96%$113.13
18,950 at 5.97%$113.25
18,950 at 5.98%$113.37
18,950 at 5.99%$113.49
18,950 at 6%$113.61
18,950 at 6.01%$113.74
18,950 at 6.02%$113.86
18,950 at 6.03%$113.98
18,950 at 6.04%$114.10
18,950 at 6.05%$114.22
18,950 at 6.06%$114.35
18,950 at 6.07%$114.47
18,950 at 6.08%$114.59
18,950 at 6.09%$114.71
18,950 at 6.1%$114.84
18,950 at 6.11%$114.96
18,950 at 6.12%$115.08
18,950 at 6.13%$115.20
18,950 at 6.14%$115.33
18,950 at 6.15%$115.45
18,950 at 6.16%$115.57
18,950 at 6.17%$115.69
18,950 at 6.18%$115.82
18,950 at 6.19%$115.94
18,950 at 6.2%$116.06
18,950 at 6.21%$116.19
18,950 at 6.22%$116.31
18,950 at 6.23%$116.43
18,950 at 6.24%$116.56
18,950 at 6.25%$116.68
18,950 at 6.26%$116.80
18,950 at 6.27%$116.93
18,950 at 6.28%$117.05
18,950 at 6.29%$117.17
18,950 at 6.3%$117.30
18,950 at 6.31%$117.42
18,950 at 6.32%$117.54
18,950 at 6.33%$117.67
18,950 at 6.34%$117.79
18,950 at 6.35%$117.91
18,950 at 6.36%$118.04
18,950 at 6.37%$118.16
18,950 at 6.38%$118.29
18,950 at 6.39%$118.41
18,950 at 6.4%$118.53
18,950 at 6.41%$118.66
18,950 at 6.42%$118.78
18,950 at 6.43%$118.91
18,950 at 6.44%$119.03
18,950 at 6.45%$119.15
18,950 at 6.46%$119.28
18,950 at 6.47%$119.40
18,950 at 6.48%$119.53
18,950 at 6.49%$119.65
18,950 at 6.5%$119.78
Interest Rate 30 Year
18,950 at 6.51%$119.90
18,950 at 6.52%$120.03
18,950 at 6.53%$120.15
18,950 at 6.54%$120.28
18,950 at 6.55%$120.40
18,950 at 6.56%$120.53
18,950 at 6.57%$120.65
18,950 at 6.58%$120.78
18,950 at 6.59%$120.90
18,950 at 6.6%$121.03
18,950 at 6.61%$121.15
18,950 at 6.62%$121.28
18,950 at 6.63%$121.40
18,950 at 6.64%$121.53
18,950 at 6.65%$121.65
18,950 at 6.66%$121.78
18,950 at 6.67%$121.90
18,950 at 6.68%$122.03
18,950 at 6.69%$122.15
18,950 at 6.7%$122.28
18,950 at 6.71%$122.41
18,950 at 6.72%$122.53
18,950 at 6.73%$122.66
18,950 at 6.74%$122.78
18,950 at 6.75%$122.91
18,950 at 6.76%$123.04
18,950 at 6.77%$123.16
18,950 at 6.78%$123.29
18,950 at 6.79%$123.41
18,950 at 6.8%$123.54
18,950 at 6.81%$123.67
18,950 at 6.82%$123.79
18,950 at 6.83%$123.92
18,950 at 6.84%$124.05
18,950 at 6.85%$124.17
18,950 at 6.86%$124.30
18,950 at 6.87%$124.42
18,950 at 6.88%$124.55
18,950 at 6.89%$124.68
18,950 at 6.9%$124.80
18,950 at 6.91%$124.93
18,950 at 6.92%$125.06
18,950 at 6.93%$125.19
18,950 at 6.94%$125.31
18,950 at 6.95%$125.44
18,950 at 6.96%$125.57
18,950 at 6.97%$125.69
18,950 at 6.98%$125.82
18,950 at 6.99%$125.95
18,950 at 7%$126.07
18,950 at 7.01%$126.20
18,950 at 7.02%$126.33
18,950 at 7.03%$126.46
18,950 at 7.04%$126.58
18,950 at 7.05%$126.71
18,950 at 7.06%$126.84
18,950 at 7.07%$126.97
18,950 at 7.08%$127.09
18,950 at 7.09%$127.22
18,950 at 7.1%$127.35
18,950 at 7.11%$127.48
18,950 at 7.12%$127.61
18,950 at 7.13%$127.73
18,950 at 7.14%$127.86
18,950 at 7.15%$127.99
18,950 at 7.16%$128.12
18,950 at 7.17%$128.25
18,950 at 7.18%$128.37
18,950 at 7.19%$128.50
18,950 at 7.2%$128.63
18,950 at 7.21%$128.76
18,950 at 7.22%$128.89
18,950 at 7.23%$129.02
18,950 at 7.24%$129.14
18,950 at 7.25%$129.27
18,950 at 7.26%$129.40
18,950 at 7.27%$129.53
18,950 at 7.28%$129.66
18,950 at 7.29%$129.79
18,950 at 7.3%$129.92
18,950 at 7.31%$130.04
18,950 at 7.32%$130.17
18,950 at 7.33%$130.30
18,950 at 7.34%$130.43
18,950 at 7.35%$130.56
18,950 at 7.36%$130.69
18,950 at 7.37%$130.82
18,950 at 7.38%$130.95
18,950 at 7.39%$131.08
18,950 at 7.4%$131.21
18,950 at 7.41%$131.34
18,950 at 7.42%$131.46
18,950 at 7.43%$131.59
18,950 at 7.44%$131.72
18,950 at 7.45%$131.85
18,950 at 7.46%$131.98
18,950 at 7.47%$132.11
18,950 at 7.48%$132.24
18,950 at 7.49%$132.37
18,950 at 7.5%$132.50
18,950 at 7.51%$132.63
18,950 at 7.52%$132.76
18,950 at 7.53%$132.89
18,950 at 7.54%$133.02
18,950 at 7.55%$133.15
18,950 at 7.56%$133.28
18,950 at 7.57%$133.41
18,950 at 7.58%$133.54
18,950 at 7.59%$133.67
18,950 at 7.6%$133.80
18,950 at 7.61%$133.93
18,950 at 7.62%$134.06
18,950 at 7.63%$134.19
18,950 at 7.64%$134.32
18,950 at 7.65%$134.45
18,950 at 7.66%$134.58
18,950 at 7.67%$134.71
18,950 at 7.68%$134.84
18,950 at 7.69%$134.98
18,950 at 7.7%$135.11
18,950 at 7.71%$135.24
18,950 at 7.72%$135.37
18,950 at 7.73%$135.50
18,950 at 7.74%$135.63
18,950 at 7.75%$135.76
18,950 at 7.76%$135.89
18,950 at 7.77%$136.02
18,950 at 7.78%$136.15
18,950 at 7.79%$136.28
18,950 at 7.8%$136.42
18,950 at 7.81%$136.55
18,950 at 7.82%$136.68
18,950 at 7.83%$136.81
18,950 at 7.84%$136.94
18,950 at 7.85%$137.07
18,950 at 7.86%$137.20
18,950 at 7.87%$137.33
18,950 at 7.88%$137.47
18,950 at 7.89%$137.60
18,950 at 7.9%$137.73
18,950 at 7.91%$137.86
18,950 at 7.92%$137.99
18,950 at 7.93%$138.12
18,950 at 7.94%$138.26
18,950 at 7.95%$138.39
18,950 at 7.96%$138.52
18,950 at 7.97%$138.65
18,950 at 7.98%$138.78
18,950 at 7.99%$138.92
18,950 at 8%$139.05
More Amounts
What is the down payment for a $18,950 house? How much do you need to put down?
Percent Down Down Payment
1%190
2%379
3%569
4%758
5%948
6%1,137
7%1,327
8%1,516
9%1,706
10%1,895
11%2,085
12%2,274
13%2,464
14%2,653
15%2,843
16%3,032
17%3,222
18%3,411
19%3,601
20%3,790
Percent Down Down Payment
21%3,980
22%4,169
23%4,359
24%4,548
25%4,738
26%4,927
27%5,117
28%5,306
29%5,496
30%5,685
31%5,875
32%6,064
33%6,254
34%6,443
35%6,633
36%6,822
37%7,012
38%7,201
39%7,391
40%7,580
Percent Down Down Payment
41%7,770
42%7,959
43%8,149
44%8,338
45%8,528
46%8,717
47%8,907
48%9,096
49%9,286
50%9,475
51%9,665
52%9,854
53%10,044
54%10,233
55%10,423
56%10,612
57%10,802
58%10,991
59%11,181
60%11,370
Percent Down Down Payment
61%11,560
62%11,749
63%11,939
64%12,128
65%12,318
66%12,507
67%12,697
68%12,886
69%13,076
70%13,265
71%13,455
72%13,644
73%13,834
74%14,023
75%14,213
76%14,402
77%14,592
78%14,781
79%14,971
80%15,160
Percent Down Down Payment
81%15,350
82%15,539
83%15,729
84%15,918
85%16,108
86%16,297
87%16,487
88%16,676
89%16,866
90%17,055
91%17,245
92%17,434
93%17,624
94%17,813
95%18,003
96%18,192
97%18,382
98%18,571
99%18,761
100%18,950
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.