$19,950 Mortgage for 30 Years

What is the monthly payment of a 19,950 dollar loan?
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Loan Tables for a $19,950 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 20k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $19,950 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
19,950 at 2.01%$73.84
19,950 at 2.02%$73.94
19,950 at 2.03%$74.04
19,950 at 2.04%$74.14
19,950 at 2.05%$74.24
19,950 at 2.06%$74.34
19,950 at 2.07%$74.44
19,950 at 2.08%$74.54
19,950 at 2.09%$74.64
19,950 at 2.1%$74.74
19,950 at 2.11%$74.84
19,950 at 2.12%$74.94
19,950 at 2.13%$75.04
19,950 at 2.14%$75.14
19,950 at 2.15%$75.24
19,950 at 2.16%$75.35
19,950 at 2.17%$75.45
19,950 at 2.18%$75.55
19,950 at 2.19%$75.65
19,950 at 2.2%$75.75
19,950 at 2.21%$75.85
19,950 at 2.22%$75.95
19,950 at 2.23%$76.05
19,950 at 2.24%$76.16
19,950 at 2.25%$76.26
19,950 at 2.26%$76.36
19,950 at 2.27%$76.46
19,950 at 2.28%$76.56
19,950 at 2.29%$76.67
19,950 at 2.3%$76.77
19,950 at 2.31%$76.87
19,950 at 2.32%$76.97
19,950 at 2.33%$77.07
19,950 at 2.34%$77.18
19,950 at 2.35%$77.28
19,950 at 2.36%$77.38
19,950 at 2.37%$77.48
19,950 at 2.38%$77.59
19,950 at 2.39%$77.69
19,950 at 2.4%$77.79
19,950 at 2.41%$77.90
19,950 at 2.42%$78.00
19,950 at 2.43%$78.10
19,950 at 2.44%$78.21
19,950 at 2.45%$78.31
19,950 at 2.46%$78.41
19,950 at 2.47%$78.52
19,950 at 2.48%$78.62
19,950 at 2.49%$78.72
19,950 at 2.5%$78.83
19,950 at 2.51%$78.93
19,950 at 2.52%$79.03
19,950 at 2.53%$79.14
19,950 at 2.54%$79.24
19,950 at 2.55%$79.35
19,950 at 2.56%$79.45
19,950 at 2.57%$79.55
19,950 at 2.58%$79.66
19,950 at 2.59%$79.76
19,950 at 2.6%$79.87
19,950 at 2.61%$79.97
19,950 at 2.62%$80.08
19,950 at 2.63%$80.18
19,950 at 2.64%$80.29
19,950 at 2.65%$80.39
19,950 at 2.66%$80.50
19,950 at 2.67%$80.60
19,950 at 2.68%$80.71
19,950 at 2.69%$80.81
19,950 at 2.7%$80.92
19,950 at 2.71%$81.02
19,950 at 2.72%$81.13
19,950 at 2.73%$81.23
19,950 at 2.74%$81.34
19,950 at 2.75%$81.44
19,950 at 2.76%$81.55
19,950 at 2.77%$81.66
19,950 at 2.78%$81.76
19,950 at 2.79%$81.87
19,950 at 2.8%$81.97
19,950 at 2.81%$82.08
19,950 at 2.82%$82.19
19,950 at 2.83%$82.29
19,950 at 2.84%$82.40
19,950 at 2.85%$82.50
19,950 at 2.86%$82.61
19,950 at 2.87%$82.72
19,950 at 2.88%$82.82
19,950 at 2.89%$82.93
19,950 at 2.9%$83.04
19,950 at 2.91%$83.14
19,950 at 2.92%$83.25
19,950 at 2.93%$83.36
19,950 at 2.94%$83.47
19,950 at 2.95%$83.57
19,950 at 2.96%$83.68
19,950 at 2.97%$83.79
19,950 at 2.98%$83.89
19,950 at 2.99%$84.00
19,950 at 3%$84.11
19,950 at 3.01%$84.22
19,950 at 3.02%$84.33
19,950 at 3.03%$84.43
19,950 at 3.04%$84.54
19,950 at 3.05%$84.65
19,950 at 3.06%$84.76
19,950 at 3.07%$84.87
19,950 at 3.08%$84.97
19,950 at 3.09%$85.08
19,950 at 3.1%$85.19
19,950 at 3.11%$85.30
19,950 at 3.12%$85.41
19,950 at 3.13%$85.52
19,950 at 3.14%$85.62
19,950 at 3.15%$85.73
19,950 at 3.16%$85.84
19,950 at 3.17%$85.95
19,950 at 3.18%$86.06
19,950 at 3.19%$86.17
19,950 at 3.2%$86.28
19,950 at 3.21%$86.39
19,950 at 3.22%$86.50
19,950 at 3.23%$86.60
19,950 at 3.24%$86.71
19,950 at 3.25%$86.82
19,950 at 3.26%$86.93
19,950 at 3.27%$87.04
19,950 at 3.28%$87.15
19,950 at 3.29%$87.26
19,950 at 3.3%$87.37
19,950 at 3.31%$87.48
19,950 at 3.32%$87.59
19,950 at 3.33%$87.70
19,950 at 3.34%$87.81
19,950 at 3.35%$87.92
19,950 at 3.36%$88.03
19,950 at 3.37%$88.14
19,950 at 3.38%$88.25
19,950 at 3.39%$88.36
19,950 at 3.4%$88.47
19,950 at 3.41%$88.59
19,950 at 3.42%$88.70
19,950 at 3.43%$88.81
19,950 at 3.44%$88.92
19,950 at 3.45%$89.03
19,950 at 3.46%$89.14
19,950 at 3.47%$89.25
19,950 at 3.48%$89.36
19,950 at 3.49%$89.47
19,950 at 3.5%$89.58
Interest Rate 30 Year
19,950 at 3.51%$89.70
19,950 at 3.52%$89.81
19,950 at 3.53%$89.92
19,950 at 3.54%$90.03
19,950 at 3.55%$90.14
19,950 at 3.56%$90.25
19,950 at 3.57%$90.37
19,950 at 3.58%$90.48
19,950 at 3.59%$90.59
19,950 at 3.6%$90.70
19,950 at 3.61%$90.81
19,950 at 3.62%$90.93
19,950 at 3.63%$91.04
19,950 at 3.64%$91.15
19,950 at 3.65%$91.26
19,950 at 3.66%$91.38
19,950 at 3.67%$91.49
19,950 at 3.68%$91.60
19,950 at 3.69%$91.71
19,950 at 3.7%$91.83
19,950 at 3.71%$91.94
19,950 at 3.72%$92.05
19,950 at 3.73%$92.17
19,950 at 3.74%$92.28
19,950 at 3.75%$92.39
19,950 at 3.76%$92.50
19,950 at 3.77%$92.62
19,950 at 3.78%$92.73
19,950 at 3.79%$92.84
19,950 at 3.8%$92.96
19,950 at 3.81%$93.07
19,950 at 3.82%$93.19
19,950 at 3.83%$93.30
19,950 at 3.84%$93.41
19,950 at 3.85%$93.53
19,950 at 3.86%$93.64
19,950 at 3.87%$93.76
19,950 at 3.88%$93.87
19,950 at 3.89%$93.98
19,950 at 3.9%$94.10
19,950 at 3.91%$94.21
19,950 at 3.92%$94.33
19,950 at 3.93%$94.44
19,950 at 3.94%$94.56
19,950 at 3.95%$94.67
19,950 at 3.96%$94.78
19,950 at 3.97%$94.90
19,950 at 3.98%$95.01
19,950 at 3.99%$95.13
19,950 at 4%$95.24
19,950 at 4.01%$95.36
19,950 at 4.02%$95.47
19,950 at 4.03%$95.59
19,950 at 4.04%$95.70
19,950 at 4.05%$95.82
19,950 at 4.06%$95.94
19,950 at 4.07%$96.05
19,950 at 4.08%$96.17
19,950 at 4.09%$96.28
19,950 at 4.1%$96.40
19,950 at 4.11%$96.51
19,950 at 4.12%$96.63
19,950 at 4.13%$96.75
19,950 at 4.14%$96.86
19,950 at 4.15%$96.98
19,950 at 4.16%$97.09
19,950 at 4.17%$97.21
19,950 at 4.18%$97.33
19,950 at 4.19%$97.44
19,950 at 4.2%$97.56
19,950 at 4.21%$97.68
19,950 at 4.22%$97.79
19,950 at 4.23%$97.91
19,950 at 4.24%$98.03
19,950 at 4.25%$98.14
19,950 at 4.26%$98.26
19,950 at 4.27%$98.38
19,950 at 4.28%$98.49
19,950 at 4.29%$98.61
19,950 at 4.3%$98.73
19,950 at 4.31%$98.84
19,950 at 4.32%$98.96
19,950 at 4.33%$99.08
19,950 at 4.34%$99.20
19,950 at 4.35%$99.31
19,950 at 4.36%$99.43
19,950 at 4.37%$99.55
19,950 at 4.38%$99.67
19,950 at 4.39%$99.78
19,950 at 4.4%$99.90
19,950 at 4.41%$100.02
19,950 at 4.42%$100.14
19,950 at 4.43%$100.26
19,950 at 4.44%$100.37
19,950 at 4.45%$100.49
19,950 at 4.46%$100.61
19,950 at 4.47%$100.73
19,950 at 4.48%$100.85
19,950 at 4.49%$100.97
19,950 at 4.5%$101.08
19,950 at 4.51%$101.20
19,950 at 4.52%$101.32
19,950 at 4.53%$101.44
19,950 at 4.54%$101.56
19,950 at 4.55%$101.68
19,950 at 4.56%$101.80
19,950 at 4.57%$101.92
19,950 at 4.58%$102.03
19,950 at 4.59%$102.15
19,950 at 4.6%$102.27
19,950 at 4.61%$102.39
19,950 at 4.62%$102.51
19,950 at 4.63%$102.63
19,950 at 4.64%$102.75
19,950 at 4.65%$102.87
19,950 at 4.66%$102.99
19,950 at 4.67%$103.11
19,950 at 4.68%$103.23
19,950 at 4.69%$103.35
19,950 at 4.7%$103.47
19,950 at 4.71%$103.59
19,950 at 4.72%$103.71
19,950 at 4.73%$103.83
19,950 at 4.74%$103.95
19,950 at 4.75%$104.07
19,950 at 4.76%$104.19
19,950 at 4.77%$104.31
19,950 at 4.78%$104.43
19,950 at 4.79%$104.55
19,950 at 4.8%$104.67
19,950 at 4.81%$104.79
19,950 at 4.82%$104.91
19,950 at 4.83%$105.03
19,950 at 4.84%$105.15
19,950 at 4.85%$105.27
19,950 at 4.86%$105.40
19,950 at 4.87%$105.52
19,950 at 4.88%$105.64
19,950 at 4.89%$105.76
19,950 at 4.9%$105.88
19,950 at 4.91%$106.00
19,950 at 4.92%$106.12
19,950 at 4.93%$106.24
19,950 at 4.94%$106.37
19,950 at 4.95%$106.49
19,950 at 4.96%$106.61
19,950 at 4.97%$106.73
19,950 at 4.98%$106.85
19,950 at 4.99%$106.97
19,950 at 5%$107.10
Interest Rate 30 Year
19,950 at 5.01%$107.22
19,950 at 5.02%$107.34
19,950 at 5.03%$107.46
19,950 at 5.04%$107.58
19,950 at 5.05%$107.71
19,950 at 5.06%$107.83
19,950 at 5.07%$107.95
19,950 at 5.08%$108.07
19,950 at 5.09%$108.20
19,950 at 5.1%$108.32
19,950 at 5.11%$108.44
19,950 at 5.12%$108.56
19,950 at 5.13%$108.69
19,950 at 5.14%$108.81
19,950 at 5.15%$108.93
19,950 at 5.16%$109.06
19,950 at 5.17%$109.18
19,950 at 5.18%$109.30
19,950 at 5.19%$109.42
19,950 at 5.2%$109.55
19,950 at 5.21%$109.67
19,950 at 5.22%$109.79
19,950 at 5.23%$109.92
19,950 at 5.24%$110.04
19,950 at 5.25%$110.16
19,950 at 5.26%$110.29
19,950 at 5.27%$110.41
19,950 at 5.28%$110.54
19,950 at 5.29%$110.66
19,950 at 5.3%$110.78
19,950 at 5.31%$110.91
19,950 at 5.32%$111.03
19,950 at 5.33%$111.16
19,950 at 5.34%$111.28
19,950 at 5.35%$111.40
19,950 at 5.36%$111.53
19,950 at 5.37%$111.65
19,950 at 5.38%$111.78
19,950 at 5.39%$111.90
19,950 at 5.4%$112.03
19,950 at 5.41%$112.15
19,950 at 5.42%$112.27
19,950 at 5.43%$112.40
19,950 at 5.44%$112.52
19,950 at 5.45%$112.65
19,950 at 5.46%$112.77
19,950 at 5.47%$112.90
19,950 at 5.48%$113.02
19,950 at 5.49%$113.15
19,950 at 5.5%$113.27
19,950 at 5.51%$113.40
19,950 at 5.52%$113.52
19,950 at 5.53%$113.65
19,950 at 5.54%$113.78
19,950 at 5.55%$113.90
19,950 at 5.56%$114.03
19,950 at 5.57%$114.15
19,950 at 5.58%$114.28
19,950 at 5.59%$114.40
19,950 at 5.6%$114.53
19,950 at 5.61%$114.65
19,950 at 5.62%$114.78
19,950 at 5.63%$114.91
19,950 at 5.64%$115.03
19,950 at 5.65%$115.16
19,950 at 5.66%$115.28
19,950 at 5.67%$115.41
19,950 at 5.68%$115.54
19,950 at 5.69%$115.66
19,950 at 5.7%$115.79
19,950 at 5.71%$115.92
19,950 at 5.72%$116.04
19,950 at 5.73%$116.17
19,950 at 5.74%$116.30
19,950 at 5.75%$116.42
19,950 at 5.76%$116.55
19,950 at 5.77%$116.68
19,950 at 5.78%$116.80
19,950 at 5.79%$116.93
19,950 at 5.8%$117.06
19,950 at 5.81%$117.18
19,950 at 5.82%$117.31
19,950 at 5.83%$117.44
19,950 at 5.84%$117.57
19,950 at 5.85%$117.69
19,950 at 5.86%$117.82
19,950 at 5.87%$117.95
19,950 at 5.88%$118.08
19,950 at 5.89%$118.20
19,950 at 5.9%$118.33
19,950 at 5.91%$118.46
19,950 at 5.92%$118.59
19,950 at 5.93%$118.71
19,950 at 5.94%$118.84
19,950 at 5.95%$118.97
19,950 at 5.96%$119.10
19,950 at 5.97%$119.23
19,950 at 5.98%$119.35
19,950 at 5.99%$119.48
19,950 at 6%$119.61
19,950 at 6.01%$119.74
19,950 at 6.02%$119.87
19,950 at 6.03%$120.00
19,950 at 6.04%$120.12
19,950 at 6.05%$120.25
19,950 at 6.06%$120.38
19,950 at 6.07%$120.51
19,950 at 6.08%$120.64
19,950 at 6.09%$120.77
19,950 at 6.1%$120.90
19,950 at 6.11%$121.02
19,950 at 6.12%$121.15
19,950 at 6.13%$121.28
19,950 at 6.14%$121.41
19,950 at 6.15%$121.54
19,950 at 6.16%$121.67
19,950 at 6.17%$121.80
19,950 at 6.18%$121.93
19,950 at 6.19%$122.06
19,950 at 6.2%$122.19
19,950 at 6.21%$122.32
19,950 at 6.22%$122.45
19,950 at 6.23%$122.58
19,950 at 6.24%$122.71
19,950 at 6.25%$122.84
19,950 at 6.26%$122.97
19,950 at 6.27%$123.10
19,950 at 6.28%$123.23
19,950 at 6.29%$123.36
19,950 at 6.3%$123.49
19,950 at 6.31%$123.62
19,950 at 6.32%$123.75
19,950 at 6.33%$123.88
19,950 at 6.34%$124.01
19,950 at 6.35%$124.14
19,950 at 6.36%$124.27
19,950 at 6.37%$124.40
19,950 at 6.38%$124.53
19,950 at 6.39%$124.66
19,950 at 6.4%$124.79
19,950 at 6.41%$124.92
19,950 at 6.42%$125.05
19,950 at 6.43%$125.18
19,950 at 6.44%$125.31
19,950 at 6.45%$125.44
19,950 at 6.46%$125.57
19,950 at 6.47%$125.70
19,950 at 6.48%$125.84
19,950 at 6.49%$125.97
19,950 at 6.5%$126.10
Interest Rate 30 Year
19,950 at 6.51%$126.23
19,950 at 6.52%$126.36
19,950 at 6.53%$126.49
19,950 at 6.54%$126.62
19,950 at 6.55%$126.75
19,950 at 6.56%$126.89
19,950 at 6.57%$127.02
19,950 at 6.58%$127.15
19,950 at 6.59%$127.28
19,950 at 6.6%$127.41
19,950 at 6.61%$127.54
19,950 at 6.62%$127.68
19,950 at 6.63%$127.81
19,950 at 6.64%$127.94
19,950 at 6.65%$128.07
19,950 at 6.66%$128.20
19,950 at 6.67%$128.34
19,950 at 6.68%$128.47
19,950 at 6.69%$128.60
19,950 at 6.7%$128.73
19,950 at 6.71%$128.87
19,950 at 6.72%$129.00
19,950 at 6.73%$129.13
19,950 at 6.74%$129.26
19,950 at 6.75%$129.40
19,950 at 6.76%$129.53
19,950 at 6.77%$129.66
19,950 at 6.78%$129.79
19,950 at 6.79%$129.93
19,950 at 6.8%$130.06
19,950 at 6.81%$130.19
19,950 at 6.82%$130.32
19,950 at 6.83%$130.46
19,950 at 6.84%$130.59
19,950 at 6.85%$130.72
19,950 at 6.86%$130.86
19,950 at 6.87%$130.99
19,950 at 6.88%$131.12
19,950 at 6.89%$131.26
19,950 at 6.9%$131.39
19,950 at 6.91%$131.52
19,950 at 6.92%$131.66
19,950 at 6.93%$131.79
19,950 at 6.94%$131.92
19,950 at 6.95%$132.06
19,950 at 6.96%$132.19
19,950 at 6.97%$132.33
19,950 at 6.98%$132.46
19,950 at 6.99%$132.59
19,950 at 7%$132.73
19,950 at 7.01%$132.86
19,950 at 7.02%$133.00
19,950 at 7.03%$133.13
19,950 at 7.04%$133.26
19,950 at 7.05%$133.40
19,950 at 7.06%$133.53
19,950 at 7.07%$133.67
19,950 at 7.08%$133.80
19,950 at 7.09%$133.94
19,950 at 7.1%$134.07
19,950 at 7.11%$134.20
19,950 at 7.12%$134.34
19,950 at 7.13%$134.47
19,950 at 7.14%$134.61
19,950 at 7.15%$134.74
19,950 at 7.16%$134.88
19,950 at 7.17%$135.01
19,950 at 7.18%$135.15
19,950 at 7.19%$135.28
19,950 at 7.2%$135.42
19,950 at 7.21%$135.55
19,950 at 7.22%$135.69
19,950 at 7.23%$135.82
19,950 at 7.24%$135.96
19,950 at 7.25%$136.09
19,950 at 7.26%$136.23
19,950 at 7.27%$136.36
19,950 at 7.28%$136.50
19,950 at 7.29%$136.64
19,950 at 7.3%$136.77
19,950 at 7.31%$136.91
19,950 at 7.32%$137.04
19,950 at 7.33%$137.18
19,950 at 7.34%$137.31
19,950 at 7.35%$137.45
19,950 at 7.36%$137.59
19,950 at 7.37%$137.72
19,950 at 7.38%$137.86
19,950 at 7.39%$137.99
19,950 at 7.4%$138.13
19,950 at 7.41%$138.27
19,950 at 7.42%$138.40
19,950 at 7.43%$138.54
19,950 at 7.44%$138.67
19,950 at 7.45%$138.81
19,950 at 7.46%$138.95
19,950 at 7.47%$139.08
19,950 at 7.48%$139.22
19,950 at 7.49%$139.36
19,950 at 7.5%$139.49
19,950 at 7.51%$139.63
19,950 at 7.52%$139.77
19,950 at 7.53%$139.90
19,950 at 7.54%$140.04
19,950 at 7.55%$140.18
19,950 at 7.56%$140.31
19,950 at 7.57%$140.45
19,950 at 7.58%$140.59
19,950 at 7.59%$140.72
19,950 at 7.6%$140.86
19,950 at 7.61%$141.00
19,950 at 7.62%$141.14
19,950 at 7.63%$141.27
19,950 at 7.64%$141.41
19,950 at 7.65%$141.55
19,950 at 7.66%$141.69
19,950 at 7.67%$141.82
19,950 at 7.68%$141.96
19,950 at 7.69%$142.10
19,950 at 7.7%$142.24
19,950 at 7.71%$142.37
19,950 at 7.72%$142.51
19,950 at 7.73%$142.65
19,950 at 7.74%$142.79
19,950 at 7.75%$142.92
19,950 at 7.76%$143.06
19,950 at 7.77%$143.20
19,950 at 7.78%$143.34
19,950 at 7.79%$143.48
19,950 at 7.8%$143.61
19,950 at 7.81%$143.75
19,950 at 7.82%$143.89
19,950 at 7.83%$144.03
19,950 at 7.84%$144.17
19,950 at 7.85%$144.31
19,950 at 7.86%$144.44
19,950 at 7.87%$144.58
19,950 at 7.88%$144.72
19,950 at 7.89%$144.86
19,950 at 7.9%$145.00
19,950 at 7.91%$145.14
19,950 at 7.92%$145.27
19,950 at 7.93%$145.41
19,950 at 7.94%$145.55
19,950 at 7.95%$145.69
19,950 at 7.96%$145.83
19,950 at 7.97%$145.97
19,950 at 7.98%$146.11
19,950 at 7.99%$146.25
19,950 at 8%$146.39
More Amounts
What is the down payment for a $19,950 house? How much do you need to put down?
Percent Down Down Payment
1%200
2%399
3%599
4%798
5%998
6%1,197
7%1,397
8%1,596
9%1,796
10%1,995
11%2,195
12%2,394
13%2,594
14%2,793
15%2,993
16%3,192
17%3,392
18%3,591
19%3,791
20%3,990
Percent Down Down Payment
21%4,190
22%4,389
23%4,589
24%4,788
25%4,988
26%5,187
27%5,387
28%5,586
29%5,786
30%5,985
31%6,185
32%6,384
33%6,584
34%6,783
35%6,983
36%7,182
37%7,382
38%7,581
39%7,781
40%7,980
Percent Down Down Payment
41%8,180
42%8,379
43%8,579
44%8,778
45%8,978
46%9,177
47%9,377
48%9,576
49%9,776
50%9,975
51%10,175
52%10,374
53%10,574
54%10,773
55%10,973
56%11,172
57%11,372
58%11,571
59%11,771
60%11,970
Percent Down Down Payment
61%12,170
62%12,369
63%12,569
64%12,768
65%12,968
66%13,167
67%13,367
68%13,566
69%13,766
70%13,965
71%14,165
72%14,364
73%14,564
74%14,763
75%14,963
76%15,162
77%15,362
78%15,561
79%15,761
80%15,960
Percent Down Down Payment
81%16,160
82%16,359
83%16,559
84%16,758
85%16,958
86%17,157
87%17,357
88%17,556
89%17,756
90%17,955
91%18,155
92%18,354
93%18,554
94%18,753
95%18,953
96%19,152
97%19,352
98%19,551
99%19,751
100%19,950
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.