$19,200 Mortgage for 30 Years

What is the monthly payment of a 19,200 dollar loan?
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Loan Tables for a $19,200 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 $19,200 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
19,200 at 2.01%$71.06
19,200 at 2.02%$71.16
19,200 at 2.03%$71.26
19,200 at 2.04%$71.35
19,200 at 2.05%$71.45
19,200 at 2.06%$71.54
19,200 at 2.07%$71.64
19,200 at 2.08%$71.74
19,200 at 2.09%$71.83
19,200 at 2.1%$71.93
19,200 at 2.11%$72.03
19,200 at 2.12%$72.12
19,200 at 2.13%$72.22
19,200 at 2.14%$72.32
19,200 at 2.15%$72.42
19,200 at 2.16%$72.51
19,200 at 2.17%$72.61
19,200 at 2.18%$72.71
19,200 at 2.19%$72.81
19,200 at 2.2%$72.90
19,200 at 2.21%$73.00
19,200 at 2.22%$73.10
19,200 at 2.23%$73.20
19,200 at 2.24%$73.29
19,200 at 2.25%$73.39
19,200 at 2.26%$73.49
19,200 at 2.27%$73.59
19,200 at 2.28%$73.69
19,200 at 2.29%$73.78
19,200 at 2.3%$73.88
19,200 at 2.31%$73.98
19,200 at 2.32%$74.08
19,200 at 2.33%$74.18
19,200 at 2.34%$74.28
19,200 at 2.35%$74.37
19,200 at 2.36%$74.47
19,200 at 2.37%$74.57
19,200 at 2.38%$74.67
19,200 at 2.39%$74.77
19,200 at 2.4%$74.87
19,200 at 2.41%$74.97
19,200 at 2.42%$75.07
19,200 at 2.43%$75.17
19,200 at 2.44%$75.27
19,200 at 2.45%$75.37
19,200 at 2.46%$75.46
19,200 at 2.47%$75.56
19,200 at 2.48%$75.66
19,200 at 2.49%$75.76
19,200 at 2.5%$75.86
19,200 at 2.51%$75.96
19,200 at 2.52%$76.06
19,200 at 2.53%$76.16
19,200 at 2.54%$76.26
19,200 at 2.55%$76.36
19,200 at 2.56%$76.46
19,200 at 2.57%$76.56
19,200 at 2.58%$76.66
19,200 at 2.59%$76.76
19,200 at 2.6%$76.87
19,200 at 2.61%$76.97
19,200 at 2.62%$77.07
19,200 at 2.63%$77.17
19,200 at 2.64%$77.27
19,200 at 2.65%$77.37
19,200 at 2.66%$77.47
19,200 at 2.67%$77.57
19,200 at 2.68%$77.67
19,200 at 2.69%$77.77
19,200 at 2.7%$77.87
19,200 at 2.71%$77.98
19,200 at 2.72%$78.08
19,200 at 2.73%$78.18
19,200 at 2.74%$78.28
19,200 at 2.75%$78.38
19,200 at 2.76%$78.48
19,200 at 2.77%$78.59
19,200 at 2.78%$78.69
19,200 at 2.79%$78.79
19,200 at 2.8%$78.89
19,200 at 2.81%$78.99
19,200 at 2.82%$79.10
19,200 at 2.83%$79.20
19,200 at 2.84%$79.30
19,200 at 2.85%$79.40
19,200 at 2.86%$79.51
19,200 at 2.87%$79.61
19,200 at 2.88%$79.71
19,200 at 2.89%$79.81
19,200 at 2.9%$79.92
19,200 at 2.91%$80.02
19,200 at 2.92%$80.12
19,200 at 2.93%$80.22
19,200 at 2.94%$80.33
19,200 at 2.95%$80.43
19,200 at 2.96%$80.53
19,200 at 2.97%$80.64
19,200 at 2.98%$80.74
19,200 at 2.99%$80.84
19,200 at 3%$80.95
19,200 at 3.01%$81.05
19,200 at 3.02%$81.16
19,200 at 3.03%$81.26
19,200 at 3.04%$81.36
19,200 at 3.05%$81.47
19,200 at 3.06%$81.57
19,200 at 3.07%$81.67
19,200 at 3.08%$81.78
19,200 at 3.09%$81.88
19,200 at 3.1%$81.99
19,200 at 3.11%$82.09
19,200 at 3.12%$82.20
19,200 at 3.13%$82.30
19,200 at 3.14%$82.40
19,200 at 3.15%$82.51
19,200 at 3.16%$82.61
19,200 at 3.17%$82.72
19,200 at 3.18%$82.82
19,200 at 3.19%$82.93
19,200 at 3.2%$83.03
19,200 at 3.21%$83.14
19,200 at 3.22%$83.24
19,200 at 3.23%$83.35
19,200 at 3.24%$83.45
19,200 at 3.25%$83.56
19,200 at 3.26%$83.67
19,200 at 3.27%$83.77
19,200 at 3.28%$83.88
19,200 at 3.29%$83.98
19,200 at 3.3%$84.09
19,200 at 3.31%$84.19
19,200 at 3.32%$84.30
19,200 at 3.33%$84.40
19,200 at 3.34%$84.51
19,200 at 3.35%$84.62
19,200 at 3.36%$84.72
19,200 at 3.37%$84.83
19,200 at 3.38%$84.94
19,200 at 3.39%$85.04
19,200 at 3.4%$85.15
19,200 at 3.41%$85.25
19,200 at 3.42%$85.36
19,200 at 3.43%$85.47
19,200 at 3.44%$85.57
19,200 at 3.45%$85.68
19,200 at 3.46%$85.79
19,200 at 3.47%$85.90
19,200 at 3.48%$86.00
19,200 at 3.49%$86.11
19,200 at 3.5%$86.22
Interest Rate 30 Year
19,200 at 3.51%$86.32
19,200 at 3.52%$86.43
19,200 at 3.53%$86.54
19,200 at 3.54%$86.65
19,200 at 3.55%$86.75
19,200 at 3.56%$86.86
19,200 at 3.57%$86.97
19,200 at 3.58%$87.08
19,200 at 3.59%$87.18
19,200 at 3.6%$87.29
19,200 at 3.61%$87.40
19,200 at 3.62%$87.51
19,200 at 3.63%$87.62
19,200 at 3.64%$87.72
19,200 at 3.65%$87.83
19,200 at 3.66%$87.94
19,200 at 3.67%$88.05
19,200 at 3.68%$88.16
19,200 at 3.69%$88.27
19,200 at 3.7%$88.37
19,200 at 3.71%$88.48
19,200 at 3.72%$88.59
19,200 at 3.73%$88.70
19,200 at 3.74%$88.81
19,200 at 3.75%$88.92
19,200 at 3.76%$89.03
19,200 at 3.77%$89.14
19,200 at 3.78%$89.25
19,200 at 3.79%$89.35
19,200 at 3.8%$89.46
19,200 at 3.81%$89.57
19,200 at 3.82%$89.68
19,200 at 3.83%$89.79
19,200 at 3.84%$89.90
19,200 at 3.85%$90.01
19,200 at 3.86%$90.12
19,200 at 3.87%$90.23
19,200 at 3.88%$90.34
19,200 at 3.89%$90.45
19,200 at 3.9%$90.56
19,200 at 3.91%$90.67
19,200 at 3.92%$90.78
19,200 at 3.93%$90.89
19,200 at 3.94%$91.00
19,200 at 3.95%$91.11
19,200 at 3.96%$91.22
19,200 at 3.97%$91.33
19,200 at 3.98%$91.44
19,200 at 3.99%$91.55
19,200 at 4%$91.66
19,200 at 4.01%$91.77
19,200 at 4.02%$91.89
19,200 at 4.03%$92.00
19,200 at 4.04%$92.11
19,200 at 4.05%$92.22
19,200 at 4.06%$92.33
19,200 at 4.07%$92.44
19,200 at 4.08%$92.55
19,200 at 4.09%$92.66
19,200 at 4.1%$92.77
19,200 at 4.11%$92.89
19,200 at 4.12%$93.00
19,200 at 4.13%$93.11
19,200 at 4.14%$93.22
19,200 at 4.15%$93.33
19,200 at 4.16%$93.44
19,200 at 4.17%$93.56
19,200 at 4.18%$93.67
19,200 at 4.19%$93.78
19,200 at 4.2%$93.89
19,200 at 4.21%$94.00
19,200 at 4.22%$94.12
19,200 at 4.23%$94.23
19,200 at 4.24%$94.34
19,200 at 4.25%$94.45
19,200 at 4.26%$94.56
19,200 at 4.27%$94.68
19,200 at 4.28%$94.79
19,200 at 4.29%$94.90
19,200 at 4.3%$95.02
19,200 at 4.31%$95.13
19,200 at 4.32%$95.24
19,200 at 4.33%$95.35
19,200 at 4.34%$95.47
19,200 at 4.35%$95.58
19,200 at 4.36%$95.69
19,200 at 4.37%$95.81
19,200 at 4.38%$95.92
19,200 at 4.39%$96.03
19,200 at 4.4%$96.15
19,200 at 4.41%$96.26
19,200 at 4.42%$96.37
19,200 at 4.43%$96.49
19,200 at 4.44%$96.60
19,200 at 4.45%$96.71
19,200 at 4.46%$96.83
19,200 at 4.47%$96.94
19,200 at 4.48%$97.06
19,200 at 4.49%$97.17
19,200 at 4.5%$97.28
19,200 at 4.51%$97.40
19,200 at 4.52%$97.51
19,200 at 4.53%$97.63
19,200 at 4.54%$97.74
19,200 at 4.55%$97.85
19,200 at 4.56%$97.97
19,200 at 4.57%$98.08
19,200 at 4.58%$98.20
19,200 at 4.59%$98.31
19,200 at 4.6%$98.43
19,200 at 4.61%$98.54
19,200 at 4.62%$98.66
19,200 at 4.63%$98.77
19,200 at 4.64%$98.89
19,200 at 4.65%$99.00
19,200 at 4.66%$99.12
19,200 at 4.67%$99.23
19,200 at 4.68%$99.35
19,200 at 4.69%$99.46
19,200 at 4.7%$99.58
19,200 at 4.71%$99.69
19,200 at 4.72%$99.81
19,200 at 4.73%$99.92
19,200 at 4.74%$100.04
19,200 at 4.75%$100.16
19,200 at 4.76%$100.27
19,200 at 4.77%$100.39
19,200 at 4.78%$100.50
19,200 at 4.79%$100.62
19,200 at 4.8%$100.74
19,200 at 4.81%$100.85
19,200 at 4.82%$100.97
19,200 at 4.83%$101.08
19,200 at 4.84%$101.20
19,200 at 4.85%$101.32
19,200 at 4.86%$101.43
19,200 at 4.87%$101.55
19,200 at 4.88%$101.67
19,200 at 4.89%$101.78
19,200 at 4.9%$101.90
19,200 at 4.91%$102.02
19,200 at 4.92%$102.13
19,200 at 4.93%$102.25
19,200 at 4.94%$102.37
19,200 at 4.95%$102.48
19,200 at 4.96%$102.60
19,200 at 4.97%$102.72
19,200 at 4.98%$102.84
19,200 at 4.99%$102.95
19,200 at 5%$103.07
Interest Rate 30 Year
19,200 at 5.01%$103.19
19,200 at 5.02%$103.30
19,200 at 5.03%$103.42
19,200 at 5.04%$103.54
19,200 at 5.05%$103.66
19,200 at 5.06%$103.77
19,200 at 5.07%$103.89
19,200 at 5.08%$104.01
19,200 at 5.09%$104.13
19,200 at 5.1%$104.25
19,200 at 5.11%$104.36
19,200 at 5.12%$104.48
19,200 at 5.13%$104.60
19,200 at 5.14%$104.72
19,200 at 5.15%$104.84
19,200 at 5.16%$104.96
19,200 at 5.17%$105.07
19,200 at 5.18%$105.19
19,200 at 5.19%$105.31
19,200 at 5.2%$105.43
19,200 at 5.21%$105.55
19,200 at 5.22%$105.67
19,200 at 5.23%$105.79
19,200 at 5.24%$105.90
19,200 at 5.25%$106.02
19,200 at 5.26%$106.14
19,200 at 5.27%$106.26
19,200 at 5.28%$106.38
19,200 at 5.29%$106.50
19,200 at 5.3%$106.62
19,200 at 5.31%$106.74
19,200 at 5.32%$106.86
19,200 at 5.33%$106.98
19,200 at 5.34%$107.10
19,200 at 5.35%$107.22
19,200 at 5.36%$107.34
19,200 at 5.37%$107.45
19,200 at 5.38%$107.57
19,200 at 5.39%$107.69
19,200 at 5.4%$107.81
19,200 at 5.41%$107.93
19,200 at 5.42%$108.05
19,200 at 5.43%$108.17
19,200 at 5.44%$108.29
19,200 at 5.45%$108.41
19,200 at 5.46%$108.53
19,200 at 5.47%$108.65
19,200 at 5.48%$108.77
19,200 at 5.49%$108.90
19,200 at 5.5%$109.02
19,200 at 5.51%$109.14
19,200 at 5.52%$109.26
19,200 at 5.53%$109.38
19,200 at 5.54%$109.50
19,200 at 5.55%$109.62
19,200 at 5.56%$109.74
19,200 at 5.57%$109.86
19,200 at 5.58%$109.98
19,200 at 5.59%$110.10
19,200 at 5.6%$110.22
19,200 at 5.61%$110.34
19,200 at 5.62%$110.47
19,200 at 5.63%$110.59
19,200 at 5.64%$110.71
19,200 at 5.65%$110.83
19,200 at 5.66%$110.95
19,200 at 5.67%$111.07
19,200 at 5.68%$111.19
19,200 at 5.69%$111.32
19,200 at 5.7%$111.44
19,200 at 5.71%$111.56
19,200 at 5.72%$111.68
19,200 at 5.73%$111.80
19,200 at 5.74%$111.92
19,200 at 5.75%$112.05
19,200 at 5.76%$112.17
19,200 at 5.77%$112.29
19,200 at 5.78%$112.41
19,200 at 5.79%$112.53
19,200 at 5.8%$112.66
19,200 at 5.81%$112.78
19,200 at 5.82%$112.90
19,200 at 5.83%$113.02
19,200 at 5.84%$113.15
19,200 at 5.85%$113.27
19,200 at 5.86%$113.39
19,200 at 5.87%$113.51
19,200 at 5.88%$113.64
19,200 at 5.89%$113.76
19,200 at 5.9%$113.88
19,200 at 5.91%$114.01
19,200 at 5.92%$114.13
19,200 at 5.93%$114.25
19,200 at 5.94%$114.37
19,200 at 5.95%$114.50
19,200 at 5.96%$114.62
19,200 at 5.97%$114.74
19,200 at 5.98%$114.87
19,200 at 5.99%$114.99
19,200 at 6%$115.11
19,200 at 6.01%$115.24
19,200 at 6.02%$115.36
19,200 at 6.03%$115.48
19,200 at 6.04%$115.61
19,200 at 6.05%$115.73
19,200 at 6.06%$115.86
19,200 at 6.07%$115.98
19,200 at 6.08%$116.10
19,200 at 6.09%$116.23
19,200 at 6.1%$116.35
19,200 at 6.11%$116.48
19,200 at 6.12%$116.60
19,200 at 6.13%$116.72
19,200 at 6.14%$116.85
19,200 at 6.15%$116.97
19,200 at 6.16%$117.10
19,200 at 6.17%$117.22
19,200 at 6.18%$117.34
19,200 at 6.19%$117.47
19,200 at 6.2%$117.59
19,200 at 6.21%$117.72
19,200 at 6.22%$117.84
19,200 at 6.23%$117.97
19,200 at 6.24%$118.09
19,200 at 6.25%$118.22
19,200 at 6.26%$118.34
19,200 at 6.27%$118.47
19,200 at 6.28%$118.59
19,200 at 6.29%$118.72
19,200 at 6.3%$118.84
19,200 at 6.31%$118.97
19,200 at 6.32%$119.09
19,200 at 6.33%$119.22
19,200 at 6.34%$119.34
19,200 at 6.35%$119.47
19,200 at 6.36%$119.59
19,200 at 6.37%$119.72
19,200 at 6.38%$119.85
19,200 at 6.39%$119.97
19,200 at 6.4%$120.10
19,200 at 6.41%$120.22
19,200 at 6.42%$120.35
19,200 at 6.43%$120.47
19,200 at 6.44%$120.60
19,200 at 6.45%$120.73
19,200 at 6.46%$120.85
19,200 at 6.47%$120.98
19,200 at 6.48%$121.10
19,200 at 6.49%$121.23
19,200 at 6.5%$121.36
Interest Rate 30 Year
19,200 at 6.51%$121.48
19,200 at 6.52%$121.61
19,200 at 6.53%$121.74
19,200 at 6.54%$121.86
19,200 at 6.55%$121.99
19,200 at 6.56%$122.12
19,200 at 6.57%$122.24
19,200 at 6.58%$122.37
19,200 at 6.59%$122.50
19,200 at 6.6%$122.62
19,200 at 6.61%$122.75
19,200 at 6.62%$122.88
19,200 at 6.63%$123.00
19,200 at 6.64%$123.13
19,200 at 6.65%$123.26
19,200 at 6.66%$123.38
19,200 at 6.67%$123.51
19,200 at 6.68%$123.64
19,200 at 6.69%$123.77
19,200 at 6.7%$123.89
19,200 at 6.71%$124.02
19,200 at 6.72%$124.15
19,200 at 6.73%$124.28
19,200 at 6.74%$124.40
19,200 at 6.75%$124.53
19,200 at 6.76%$124.66
19,200 at 6.77%$124.79
19,200 at 6.78%$124.91
19,200 at 6.79%$125.04
19,200 at 6.8%$125.17
19,200 at 6.81%$125.30
19,200 at 6.82%$125.43
19,200 at 6.83%$125.55
19,200 at 6.84%$125.68
19,200 at 6.85%$125.81
19,200 at 6.86%$125.94
19,200 at 6.87%$126.07
19,200 at 6.88%$126.19
19,200 at 6.89%$126.32
19,200 at 6.9%$126.45
19,200 at 6.91%$126.58
19,200 at 6.92%$126.71
19,200 at 6.93%$126.84
19,200 at 6.94%$126.97
19,200 at 6.95%$127.09
19,200 at 6.96%$127.22
19,200 at 6.97%$127.35
19,200 at 6.98%$127.48
19,200 at 6.99%$127.61
19,200 at 7%$127.74
19,200 at 7.01%$127.87
19,200 at 7.02%$128.00
19,200 at 7.03%$128.13
19,200 at 7.04%$128.25
19,200 at 7.05%$128.38
19,200 at 7.06%$128.51
19,200 at 7.07%$128.64
19,200 at 7.08%$128.77
19,200 at 7.09%$128.90
19,200 at 7.1%$129.03
19,200 at 7.11%$129.16
19,200 at 7.12%$129.29
19,200 at 7.13%$129.42
19,200 at 7.14%$129.55
19,200 at 7.15%$129.68
19,200 at 7.16%$129.81
19,200 at 7.17%$129.94
19,200 at 7.18%$130.07
19,200 at 7.19%$130.20
19,200 at 7.2%$130.33
19,200 at 7.21%$130.46
19,200 at 7.22%$130.59
19,200 at 7.23%$130.72
19,200 at 7.24%$130.85
19,200 at 7.25%$130.98
19,200 at 7.26%$131.11
19,200 at 7.27%$131.24
19,200 at 7.28%$131.37
19,200 at 7.29%$131.50
19,200 at 7.3%$131.63
19,200 at 7.31%$131.76
19,200 at 7.32%$131.89
19,200 at 7.33%$132.02
19,200 at 7.34%$132.15
19,200 at 7.35%$132.28
19,200 at 7.36%$132.41
19,200 at 7.37%$132.54
19,200 at 7.38%$132.68
19,200 at 7.39%$132.81
19,200 at 7.4%$132.94
19,200 at 7.41%$133.07
19,200 at 7.42%$133.20
19,200 at 7.43%$133.33
19,200 at 7.44%$133.46
19,200 at 7.45%$133.59
19,200 at 7.46%$133.72
19,200 at 7.47%$133.85
19,200 at 7.48%$133.99
19,200 at 7.49%$134.12
19,200 at 7.5%$134.25
19,200 at 7.51%$134.38
19,200 at 7.52%$134.51
19,200 at 7.53%$134.64
19,200 at 7.54%$134.78
19,200 at 7.55%$134.91
19,200 at 7.56%$135.04
19,200 at 7.57%$135.17
19,200 at 7.58%$135.30
19,200 at 7.59%$135.43
19,200 at 7.6%$135.57
19,200 at 7.61%$135.70
19,200 at 7.62%$135.83
19,200 at 7.63%$135.96
19,200 at 7.64%$136.09
19,200 at 7.65%$136.23
19,200 at 7.66%$136.36
19,200 at 7.67%$136.49
19,200 at 7.68%$136.62
19,200 at 7.69%$136.76
19,200 at 7.7%$136.89
19,200 at 7.71%$137.02
19,200 at 7.72%$137.15
19,200 at 7.73%$137.29
19,200 at 7.74%$137.42
19,200 at 7.75%$137.55
19,200 at 7.76%$137.68
19,200 at 7.77%$137.82
19,200 at 7.78%$137.95
19,200 at 7.79%$138.08
19,200 at 7.8%$138.22
19,200 at 7.81%$138.35
19,200 at 7.82%$138.48
19,200 at 7.83%$138.61
19,200 at 7.84%$138.75
19,200 at 7.85%$138.88
19,200 at 7.86%$139.01
19,200 at 7.87%$139.15
19,200 at 7.88%$139.28
19,200 at 7.89%$139.41
19,200 at 7.9%$139.55
19,200 at 7.91%$139.68
19,200 at 7.92%$139.81
19,200 at 7.93%$139.95
19,200 at 7.94%$140.08
19,200 at 7.95%$140.21
19,200 at 7.96%$140.35
19,200 at 7.97%$140.48
19,200 at 7.98%$140.62
19,200 at 7.99%$140.75
19,200 at 8%$140.88
More Amounts
What is the down payment for a $19,200 house? How much do you need to put down?
Percent Down Down Payment
1%192
2%384
3%576
4%768
5%960
6%1,152
7%1,344
8%1,536
9%1,728
10%1,920
11%2,112
12%2,304
13%2,496
14%2,688
15%2,880
16%3,072
17%3,264
18%3,456
19%3,648
20%3,840
Percent Down Down Payment
21%4,032
22%4,224
23%4,416
24%4,608
25%4,800
26%4,992
27%5,184
28%5,376
29%5,568
30%5,760
31%5,952
32%6,144
33%6,336
34%6,528
35%6,720
36%6,912
37%7,104
38%7,296
39%7,488
40%7,680
Percent Down Down Payment
41%7,872
42%8,064
43%8,256
44%8,448
45%8,640
46%8,832
47%9,024
48%9,216
49%9,408
50%9,600
51%9,792
52%9,984
53%10,176
54%10,368
55%10,560
56%10,752
57%10,944
58%11,136
59%11,328
60%11,520
Percent Down Down Payment
61%11,712
62%11,904
63%12,096
64%12,288
65%12,480
66%12,672
67%12,864
68%13,056
69%13,248
70%13,440
71%13,632
72%13,824
73%14,016
74%14,208
75%14,400
76%14,592
77%14,784
78%14,976
79%15,168
80%15,360
Percent Down Down Payment
81%15,552
82%15,744
83%15,936
84%16,128
85%16,320
86%16,512
87%16,704
88%16,896
89%17,088
90%17,280
91%17,472
92%17,664
93%17,856
94%18,048
95%18,240
96%18,432
97%18,624
98%18,816
99%19,008
100%19,200
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.