$19,450 Mortgage for 30 Years

What is the monthly payment of a 19,450 dollar loan?
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Loan Tables for a $19,450 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 $19,450 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
19,450 at 2.01%$71.99
19,450 at 2.02%$72.09
19,450 at 2.03%$72.18
19,450 at 2.04%$72.28
19,450 at 2.05%$72.38
19,450 at 2.06%$72.48
19,450 at 2.07%$72.57
19,450 at 2.08%$72.67
19,450 at 2.09%$72.77
19,450 at 2.1%$72.87
19,450 at 2.11%$72.97
19,450 at 2.12%$73.06
19,450 at 2.13%$73.16
19,450 at 2.14%$73.26
19,450 at 2.15%$73.36
19,450 at 2.16%$73.46
19,450 at 2.17%$73.56
19,450 at 2.18%$73.65
19,450 at 2.19%$73.75
19,450 at 2.2%$73.85
19,450 at 2.21%$73.95
19,450 at 2.22%$74.05
19,450 at 2.23%$74.15
19,450 at 2.24%$74.25
19,450 at 2.25%$74.35
19,450 at 2.26%$74.45
19,450 at 2.27%$74.55
19,450 at 2.28%$74.64
19,450 at 2.29%$74.74
19,450 at 2.3%$74.84
19,450 at 2.31%$74.94
19,450 at 2.32%$75.04
19,450 at 2.33%$75.14
19,450 at 2.34%$75.24
19,450 at 2.35%$75.34
19,450 at 2.36%$75.44
19,450 at 2.37%$75.54
19,450 at 2.38%$75.64
19,450 at 2.39%$75.74
19,450 at 2.4%$75.84
19,450 at 2.41%$75.94
19,450 at 2.42%$76.04
19,450 at 2.43%$76.15
19,450 at 2.44%$76.25
19,450 at 2.45%$76.35
19,450 at 2.46%$76.45
19,450 at 2.47%$76.55
19,450 at 2.48%$76.65
19,450 at 2.49%$76.75
19,450 at 2.5%$76.85
19,450 at 2.51%$76.95
19,450 at 2.52%$77.05
19,450 at 2.53%$77.15
19,450 at 2.54%$77.26
19,450 at 2.55%$77.36
19,450 at 2.56%$77.46
19,450 at 2.57%$77.56
19,450 at 2.58%$77.66
19,450 at 2.59%$77.76
19,450 at 2.6%$77.87
19,450 at 2.61%$77.97
19,450 at 2.62%$78.07
19,450 at 2.63%$78.17
19,450 at 2.64%$78.27
19,450 at 2.65%$78.38
19,450 at 2.66%$78.48
19,450 at 2.67%$78.58
19,450 at 2.68%$78.68
19,450 at 2.69%$78.79
19,450 at 2.7%$78.89
19,450 at 2.71%$78.99
19,450 at 2.72%$79.09
19,450 at 2.73%$79.20
19,450 at 2.74%$79.30
19,450 at 2.75%$79.40
19,450 at 2.76%$79.51
19,450 at 2.77%$79.61
19,450 at 2.78%$79.71
19,450 at 2.79%$79.82
19,450 at 2.8%$79.92
19,450 at 2.81%$80.02
19,450 at 2.82%$80.13
19,450 at 2.83%$80.23
19,450 at 2.84%$80.33
19,450 at 2.85%$80.44
19,450 at 2.86%$80.54
19,450 at 2.87%$80.64
19,450 at 2.88%$80.75
19,450 at 2.89%$80.85
19,450 at 2.9%$80.96
19,450 at 2.91%$81.06
19,450 at 2.92%$81.17
19,450 at 2.93%$81.27
19,450 at 2.94%$81.37
19,450 at 2.95%$81.48
19,450 at 2.96%$81.58
19,450 at 2.97%$81.69
19,450 at 2.98%$81.79
19,450 at 2.99%$81.90
19,450 at 3%$82.00
19,450 at 3.01%$82.11
19,450 at 3.02%$82.21
19,450 at 3.03%$82.32
19,450 at 3.04%$82.42
19,450 at 3.05%$82.53
19,450 at 3.06%$82.63
19,450 at 3.07%$82.74
19,450 at 3.08%$82.84
19,450 at 3.09%$82.95
19,450 at 3.1%$83.05
19,450 at 3.11%$83.16
19,450 at 3.12%$83.27
19,450 at 3.13%$83.37
19,450 at 3.14%$83.48
19,450 at 3.15%$83.58
19,450 at 3.16%$83.69
19,450 at 3.17%$83.80
19,450 at 3.18%$83.90
19,450 at 3.19%$84.01
19,450 at 3.2%$84.11
19,450 at 3.21%$84.22
19,450 at 3.22%$84.33
19,450 at 3.23%$84.43
19,450 at 3.24%$84.54
19,450 at 3.25%$84.65
19,450 at 3.26%$84.75
19,450 at 3.27%$84.86
19,450 at 3.28%$84.97
19,450 at 3.29%$85.08
19,450 at 3.3%$85.18
19,450 at 3.31%$85.29
19,450 at 3.32%$85.40
19,450 at 3.33%$85.50
19,450 at 3.34%$85.61
19,450 at 3.35%$85.72
19,450 at 3.36%$85.83
19,450 at 3.37%$85.93
19,450 at 3.38%$86.04
19,450 at 3.39%$86.15
19,450 at 3.4%$86.26
19,450 at 3.41%$86.36
19,450 at 3.42%$86.47
19,450 at 3.43%$86.58
19,450 at 3.44%$86.69
19,450 at 3.45%$86.80
19,450 at 3.46%$86.91
19,450 at 3.47%$87.01
19,450 at 3.48%$87.12
19,450 at 3.49%$87.23
19,450 at 3.5%$87.34
Interest Rate 30 Year
19,450 at 3.51%$87.45
19,450 at 3.52%$87.56
19,450 at 3.53%$87.67
19,450 at 3.54%$87.77
19,450 at 3.55%$87.88
19,450 at 3.56%$87.99
19,450 at 3.57%$88.10
19,450 at 3.58%$88.21
19,450 at 3.59%$88.32
19,450 at 3.6%$88.43
19,450 at 3.61%$88.54
19,450 at 3.62%$88.65
19,450 at 3.63%$88.76
19,450 at 3.64%$88.87
19,450 at 3.65%$88.98
19,450 at 3.66%$89.09
19,450 at 3.67%$89.20
19,450 at 3.68%$89.31
19,450 at 3.69%$89.42
19,450 at 3.7%$89.53
19,450 at 3.71%$89.64
19,450 at 3.72%$89.75
19,450 at 3.73%$89.86
19,450 at 3.74%$89.97
19,450 at 3.75%$90.08
19,450 at 3.76%$90.19
19,450 at 3.77%$90.30
19,450 at 3.78%$90.41
19,450 at 3.79%$90.52
19,450 at 3.8%$90.63
19,450 at 3.81%$90.74
19,450 at 3.82%$90.85
19,450 at 3.83%$90.96
19,450 at 3.84%$91.07
19,450 at 3.85%$91.18
19,450 at 3.86%$91.29
19,450 at 3.87%$91.41
19,450 at 3.88%$91.52
19,450 at 3.89%$91.63
19,450 at 3.9%$91.74
19,450 at 3.91%$91.85
19,450 at 3.92%$91.96
19,450 at 3.93%$92.07
19,450 at 3.94%$92.19
19,450 at 3.95%$92.30
19,450 at 3.96%$92.41
19,450 at 3.97%$92.52
19,450 at 3.98%$92.63
19,450 at 3.99%$92.75
19,450 at 4%$92.86
19,450 at 4.01%$92.97
19,450 at 4.02%$93.08
19,450 at 4.03%$93.19
19,450 at 4.04%$93.31
19,450 at 4.05%$93.42
19,450 at 4.06%$93.53
19,450 at 4.07%$93.64
19,450 at 4.08%$93.76
19,450 at 4.09%$93.87
19,450 at 4.1%$93.98
19,450 at 4.11%$94.09
19,450 at 4.12%$94.21
19,450 at 4.13%$94.32
19,450 at 4.14%$94.43
19,450 at 4.15%$94.55
19,450 at 4.16%$94.66
19,450 at 4.17%$94.77
19,450 at 4.18%$94.89
19,450 at 4.19%$95.00
19,450 at 4.2%$95.11
19,450 at 4.21%$95.23
19,450 at 4.22%$95.34
19,450 at 4.23%$95.45
19,450 at 4.24%$95.57
19,450 at 4.25%$95.68
19,450 at 4.26%$95.80
19,450 at 4.27%$95.91
19,450 at 4.28%$96.02
19,450 at 4.29%$96.14
19,450 at 4.3%$96.25
19,450 at 4.31%$96.37
19,450 at 4.32%$96.48
19,450 at 4.33%$96.60
19,450 at 4.34%$96.71
19,450 at 4.35%$96.82
19,450 at 4.36%$96.94
19,450 at 4.37%$97.05
19,450 at 4.38%$97.17
19,450 at 4.39%$97.28
19,450 at 4.4%$97.40
19,450 at 4.41%$97.51
19,450 at 4.42%$97.63
19,450 at 4.43%$97.74
19,450 at 4.44%$97.86
19,450 at 4.45%$97.97
19,450 at 4.46%$98.09
19,450 at 4.47%$98.20
19,450 at 4.48%$98.32
19,450 at 4.49%$98.43
19,450 at 4.5%$98.55
19,450 at 4.51%$98.67
19,450 at 4.52%$98.78
19,450 at 4.53%$98.90
19,450 at 4.54%$99.01
19,450 at 4.55%$99.13
19,450 at 4.56%$99.24
19,450 at 4.57%$99.36
19,450 at 4.58%$99.48
19,450 at 4.59%$99.59
19,450 at 4.6%$99.71
19,450 at 4.61%$99.83
19,450 at 4.62%$99.94
19,450 at 4.63%$100.06
19,450 at 4.64%$100.17
19,450 at 4.65%$100.29
19,450 at 4.66%$100.41
19,450 at 4.67%$100.52
19,450 at 4.68%$100.64
19,450 at 4.69%$100.76
19,450 at 4.7%$100.88
19,450 at 4.71%$100.99
19,450 at 4.72%$101.11
19,450 at 4.73%$101.23
19,450 at 4.74%$101.34
19,450 at 4.75%$101.46
19,450 at 4.76%$101.58
19,450 at 4.77%$101.70
19,450 at 4.78%$101.81
19,450 at 4.79%$101.93
19,450 at 4.8%$102.05
19,450 at 4.81%$102.17
19,450 at 4.82%$102.28
19,450 at 4.83%$102.40
19,450 at 4.84%$102.52
19,450 at 4.85%$102.64
19,450 at 4.86%$102.75
19,450 at 4.87%$102.87
19,450 at 4.88%$102.99
19,450 at 4.89%$103.11
19,450 at 4.9%$103.23
19,450 at 4.91%$103.34
19,450 at 4.92%$103.46
19,450 at 4.93%$103.58
19,450 at 4.94%$103.70
19,450 at 4.95%$103.82
19,450 at 4.96%$103.94
19,450 at 4.97%$104.06
19,450 at 4.98%$104.17
19,450 at 4.99%$104.29
19,450 at 5%$104.41
Interest Rate 30 Year
19,450 at 5.01%$104.53
19,450 at 5.02%$104.65
19,450 at 5.03%$104.77
19,450 at 5.04%$104.89
19,450 at 5.05%$105.01
19,450 at 5.06%$105.13
19,450 at 5.07%$105.25
19,450 at 5.08%$105.36
19,450 at 5.09%$105.48
19,450 at 5.1%$105.60
19,450 at 5.11%$105.72
19,450 at 5.12%$105.84
19,450 at 5.13%$105.96
19,450 at 5.14%$106.08
19,450 at 5.15%$106.20
19,450 at 5.16%$106.32
19,450 at 5.17%$106.44
19,450 at 5.18%$106.56
19,450 at 5.19%$106.68
19,450 at 5.2%$106.80
19,450 at 5.21%$106.92
19,450 at 5.22%$107.04
19,450 at 5.23%$107.16
19,450 at 5.24%$107.28
19,450 at 5.25%$107.40
19,450 at 5.26%$107.52
19,450 at 5.27%$107.64
19,450 at 5.28%$107.77
19,450 at 5.29%$107.89
19,450 at 5.3%$108.01
19,450 at 5.31%$108.13
19,450 at 5.32%$108.25
19,450 at 5.33%$108.37
19,450 at 5.34%$108.49
19,450 at 5.35%$108.61
19,450 at 5.36%$108.73
19,450 at 5.37%$108.85
19,450 at 5.38%$108.98
19,450 at 5.39%$109.10
19,450 at 5.4%$109.22
19,450 at 5.41%$109.34
19,450 at 5.42%$109.46
19,450 at 5.43%$109.58
19,450 at 5.44%$109.70
19,450 at 5.45%$109.83
19,450 at 5.46%$109.95
19,450 at 5.47%$110.07
19,450 at 5.48%$110.19
19,450 at 5.49%$110.31
19,450 at 5.5%$110.43
19,450 at 5.51%$110.56
19,450 at 5.52%$110.68
19,450 at 5.53%$110.80
19,450 at 5.54%$110.92
19,450 at 5.55%$111.05
19,450 at 5.56%$111.17
19,450 at 5.57%$111.29
19,450 at 5.58%$111.41
19,450 at 5.59%$111.54
19,450 at 5.6%$111.66
19,450 at 5.61%$111.78
19,450 at 5.62%$111.90
19,450 at 5.63%$112.03
19,450 at 5.64%$112.15
19,450 at 5.65%$112.27
19,450 at 5.66%$112.40
19,450 at 5.67%$112.52
19,450 at 5.68%$112.64
19,450 at 5.69%$112.76
19,450 at 5.7%$112.89
19,450 at 5.71%$113.01
19,450 at 5.72%$113.13
19,450 at 5.73%$113.26
19,450 at 5.74%$113.38
19,450 at 5.75%$113.50
19,450 at 5.76%$113.63
19,450 at 5.77%$113.75
19,450 at 5.78%$113.88
19,450 at 5.79%$114.00
19,450 at 5.8%$114.12
19,450 at 5.81%$114.25
19,450 at 5.82%$114.37
19,450 at 5.83%$114.50
19,450 at 5.84%$114.62
19,450 at 5.85%$114.74
19,450 at 5.86%$114.87
19,450 at 5.87%$114.99
19,450 at 5.88%$115.12
19,450 at 5.89%$115.24
19,450 at 5.9%$115.37
19,450 at 5.91%$115.49
19,450 at 5.92%$115.61
19,450 at 5.93%$115.74
19,450 at 5.94%$115.86
19,450 at 5.95%$115.99
19,450 at 5.96%$116.11
19,450 at 5.97%$116.24
19,450 at 5.98%$116.36
19,450 at 5.99%$116.49
19,450 at 6%$116.61
19,450 at 6.01%$116.74
19,450 at 6.02%$116.86
19,450 at 6.03%$116.99
19,450 at 6.04%$117.11
19,450 at 6.05%$117.24
19,450 at 6.06%$117.36
19,450 at 6.07%$117.49
19,450 at 6.08%$117.61
19,450 at 6.09%$117.74
19,450 at 6.1%$117.87
19,450 at 6.11%$117.99
19,450 at 6.12%$118.12
19,450 at 6.13%$118.24
19,450 at 6.14%$118.37
19,450 at 6.15%$118.49
19,450 at 6.16%$118.62
19,450 at 6.17%$118.75
19,450 at 6.18%$118.87
19,450 at 6.19%$119.00
19,450 at 6.2%$119.13
19,450 at 6.21%$119.25
19,450 at 6.22%$119.38
19,450 at 6.23%$119.50
19,450 at 6.24%$119.63
19,450 at 6.25%$119.76
19,450 at 6.26%$119.88
19,450 at 6.27%$120.01
19,450 at 6.28%$120.14
19,450 at 6.29%$120.26
19,450 at 6.3%$120.39
19,450 at 6.31%$120.52
19,450 at 6.32%$120.64
19,450 at 6.33%$120.77
19,450 at 6.34%$120.90
19,450 at 6.35%$121.02
19,450 at 6.36%$121.15
19,450 at 6.37%$121.28
19,450 at 6.38%$121.41
19,450 at 6.39%$121.53
19,450 at 6.4%$121.66
19,450 at 6.41%$121.79
19,450 at 6.42%$121.92
19,450 at 6.43%$122.04
19,450 at 6.44%$122.17
19,450 at 6.45%$122.30
19,450 at 6.46%$122.43
19,450 at 6.47%$122.55
19,450 at 6.48%$122.68
19,450 at 6.49%$122.81
19,450 at 6.5%$122.94
Interest Rate 30 Year
19,450 at 6.51%$123.07
19,450 at 6.52%$123.19
19,450 at 6.53%$123.32
19,450 at 6.54%$123.45
19,450 at 6.55%$123.58
19,450 at 6.56%$123.71
19,450 at 6.57%$123.83
19,450 at 6.58%$123.96
19,450 at 6.59%$124.09
19,450 at 6.6%$124.22
19,450 at 6.61%$124.35
19,450 at 6.62%$124.48
19,450 at 6.63%$124.60
19,450 at 6.64%$124.73
19,450 at 6.65%$124.86
19,450 at 6.66%$124.99
19,450 at 6.67%$125.12
19,450 at 6.68%$125.25
19,450 at 6.69%$125.38
19,450 at 6.7%$125.51
19,450 at 6.71%$125.64
19,450 at 6.72%$125.76
19,450 at 6.73%$125.89
19,450 at 6.74%$126.02
19,450 at 6.75%$126.15
19,450 at 6.76%$126.28
19,450 at 6.77%$126.41
19,450 at 6.78%$126.54
19,450 at 6.79%$126.67
19,450 at 6.8%$126.80
19,450 at 6.81%$126.93
19,450 at 6.82%$127.06
19,450 at 6.83%$127.19
19,450 at 6.84%$127.32
19,450 at 6.85%$127.45
19,450 at 6.86%$127.58
19,450 at 6.87%$127.71
19,450 at 6.88%$127.84
19,450 at 6.89%$127.97
19,450 at 6.9%$128.10
19,450 at 6.91%$128.23
19,450 at 6.92%$128.36
19,450 at 6.93%$128.49
19,450 at 6.94%$128.62
19,450 at 6.95%$128.75
19,450 at 6.96%$128.88
19,450 at 6.97%$129.01
19,450 at 6.98%$129.14
19,450 at 6.99%$129.27
19,450 at 7%$129.40
19,450 at 7.01%$129.53
19,450 at 7.02%$129.66
19,450 at 7.03%$129.79
19,450 at 7.04%$129.92
19,450 at 7.05%$130.06
19,450 at 7.06%$130.19
19,450 at 7.07%$130.32
19,450 at 7.08%$130.45
19,450 at 7.09%$130.58
19,450 at 7.1%$130.71
19,450 at 7.11%$130.84
19,450 at 7.12%$130.97
19,450 at 7.13%$131.10
19,450 at 7.14%$131.24
19,450 at 7.15%$131.37
19,450 at 7.16%$131.50
19,450 at 7.17%$131.63
19,450 at 7.18%$131.76
19,450 at 7.19%$131.89
19,450 at 7.2%$132.02
19,450 at 7.21%$132.16
19,450 at 7.22%$132.29
19,450 at 7.23%$132.42
19,450 at 7.24%$132.55
19,450 at 7.25%$132.68
19,450 at 7.26%$132.82
19,450 at 7.27%$132.95
19,450 at 7.28%$133.08
19,450 at 7.29%$133.21
19,450 at 7.3%$133.34
19,450 at 7.31%$133.48
19,450 at 7.32%$133.61
19,450 at 7.33%$133.74
19,450 at 7.34%$133.87
19,450 at 7.35%$134.01
19,450 at 7.36%$134.14
19,450 at 7.37%$134.27
19,450 at 7.38%$134.40
19,450 at 7.39%$134.54
19,450 at 7.4%$134.67
19,450 at 7.41%$134.80
19,450 at 7.42%$134.93
19,450 at 7.43%$135.07
19,450 at 7.44%$135.20
19,450 at 7.45%$135.33
19,450 at 7.46%$135.46
19,450 at 7.47%$135.60
19,450 at 7.48%$135.73
19,450 at 7.49%$135.86
19,450 at 7.5%$136.00
19,450 at 7.51%$136.13
19,450 at 7.52%$136.26
19,450 at 7.53%$136.40
19,450 at 7.54%$136.53
19,450 at 7.55%$136.66
19,450 at 7.56%$136.80
19,450 at 7.57%$136.93
19,450 at 7.58%$137.06
19,450 at 7.59%$137.20
19,450 at 7.6%$137.33
19,450 at 7.61%$137.47
19,450 at 7.62%$137.60
19,450 at 7.63%$137.73
19,450 at 7.64%$137.87
19,450 at 7.65%$138.00
19,450 at 7.66%$138.13
19,450 at 7.67%$138.27
19,450 at 7.68%$138.40
19,450 at 7.69%$138.54
19,450 at 7.7%$138.67
19,450 at 7.71%$138.80
19,450 at 7.72%$138.94
19,450 at 7.73%$139.07
19,450 at 7.74%$139.21
19,450 at 7.75%$139.34
19,450 at 7.76%$139.48
19,450 at 7.77%$139.61
19,450 at 7.78%$139.75
19,450 at 7.79%$139.88
19,450 at 7.8%$140.01
19,450 at 7.81%$140.15
19,450 at 7.82%$140.28
19,450 at 7.83%$140.42
19,450 at 7.84%$140.55
19,450 at 7.85%$140.69
19,450 at 7.86%$140.82
19,450 at 7.87%$140.96
19,450 at 7.88%$141.09
19,450 at 7.89%$141.23
19,450 at 7.9%$141.36
19,450 at 7.91%$141.50
19,450 at 7.92%$141.63
19,450 at 7.93%$141.77
19,450 at 7.94%$141.90
19,450 at 7.95%$142.04
19,450 at 7.96%$142.18
19,450 at 7.97%$142.31
19,450 at 7.98%$142.45
19,450 at 7.99%$142.58
19,450 at 8%$142.72
More Amounts
What is the down payment for a $19,450 house? How much do you need to put down?
Percent Down Down Payment
1%195
2%389
3%584
4%778
5%973
6%1,167
7%1,362
8%1,556
9%1,751
10%1,945
11%2,140
12%2,334
13%2,529
14%2,723
15%2,918
16%3,112
17%3,307
18%3,501
19%3,696
20%3,890
Percent Down Down Payment
21%4,085
22%4,279
23%4,474
24%4,668
25%4,863
26%5,057
27%5,252
28%5,446
29%5,641
30%5,835
31%6,030
32%6,224
33%6,419
34%6,613
35%6,808
36%7,002
37%7,197
38%7,391
39%7,586
40%7,780
Percent Down Down Payment
41%7,975
42%8,169
43%8,364
44%8,558
45%8,753
46%8,947
47%9,142
48%9,336
49%9,531
50%9,725
51%9,920
52%10,114
53%10,309
54%10,503
55%10,698
56%10,892
57%11,087
58%11,281
59%11,476
60%11,670
Percent Down Down Payment
61%11,865
62%12,059
63%12,254
64%12,448
65%12,643
66%12,837
67%13,032
68%13,226
69%13,421
70%13,615
71%13,810
72%14,004
73%14,199
74%14,393
75%14,588
76%14,782
77%14,977
78%15,171
79%15,366
80%15,560
Percent Down Down Payment
81%15,755
82%15,949
83%16,144
84%16,338
85%16,533
86%16,727
87%16,922
88%17,116
89%17,311
90%17,505
91%17,700
92%17,894
93%18,089
94%18,283
95%18,478
96%18,672
97%18,867
98%19,061
99%19,256
100%19,450
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.