$20,250 Mortgage for 30 Years

What is the monthly payment of a 20,250 dollar loan?
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Loan Tables for a $20,250 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 $20,250 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
20,250 at 2.01%$74.95
20,250 at 2.02%$75.05
20,250 at 2.03%$75.15
20,250 at 2.04%$75.25
20,250 at 2.05%$75.36
20,250 at 2.06%$75.46
20,250 at 2.07%$75.56
20,250 at 2.08%$75.66
20,250 at 2.09%$75.76
20,250 at 2.1%$75.86
20,250 at 2.11%$75.97
20,250 at 2.12%$76.07
20,250 at 2.13%$76.17
20,250 at 2.14%$76.27
20,250 at 2.15%$76.38
20,250 at 2.16%$76.48
20,250 at 2.17%$76.58
20,250 at 2.18%$76.68
20,250 at 2.19%$76.79
20,250 at 2.2%$76.89
20,250 at 2.21%$76.99
20,250 at 2.22%$77.10
20,250 at 2.23%$77.20
20,250 at 2.24%$77.30
20,250 at 2.25%$77.40
20,250 at 2.26%$77.51
20,250 at 2.27%$77.61
20,250 at 2.28%$77.72
20,250 at 2.29%$77.82
20,250 at 2.3%$77.92
20,250 at 2.31%$78.03
20,250 at 2.32%$78.13
20,250 at 2.33%$78.23
20,250 at 2.34%$78.34
20,250 at 2.35%$78.44
20,250 at 2.36%$78.55
20,250 at 2.37%$78.65
20,250 at 2.38%$78.75
20,250 at 2.39%$78.86
20,250 at 2.4%$78.96
20,250 at 2.41%$79.07
20,250 at 2.42%$79.17
20,250 at 2.43%$79.28
20,250 at 2.44%$79.38
20,250 at 2.45%$79.49
20,250 at 2.46%$79.59
20,250 at 2.47%$79.70
20,250 at 2.48%$79.80
20,250 at 2.49%$79.91
20,250 at 2.5%$80.01
20,250 at 2.51%$80.12
20,250 at 2.52%$80.22
20,250 at 2.53%$80.33
20,250 at 2.54%$80.43
20,250 at 2.55%$80.54
20,250 at 2.56%$80.65
20,250 at 2.57%$80.75
20,250 at 2.58%$80.86
20,250 at 2.59%$80.96
20,250 at 2.6%$81.07
20,250 at 2.61%$81.17
20,250 at 2.62%$81.28
20,250 at 2.63%$81.39
20,250 at 2.64%$81.49
20,250 at 2.65%$81.60
20,250 at 2.66%$81.71
20,250 at 2.67%$81.81
20,250 at 2.68%$81.92
20,250 at 2.69%$82.03
20,250 at 2.7%$82.13
20,250 at 2.71%$82.24
20,250 at 2.72%$82.35
20,250 at 2.73%$82.45
20,250 at 2.74%$82.56
20,250 at 2.75%$82.67
20,250 at 2.76%$82.78
20,250 at 2.77%$82.88
20,250 at 2.78%$82.99
20,250 at 2.79%$83.10
20,250 at 2.8%$83.21
20,250 at 2.81%$83.31
20,250 at 2.82%$83.42
20,250 at 2.83%$83.53
20,250 at 2.84%$83.64
20,250 at 2.85%$83.75
20,250 at 2.86%$83.85
20,250 at 2.87%$83.96
20,250 at 2.88%$84.07
20,250 at 2.89%$84.18
20,250 at 2.9%$84.29
20,250 at 2.91%$84.40
20,250 at 2.92%$84.50
20,250 at 2.93%$84.61
20,250 at 2.94%$84.72
20,250 at 2.95%$84.83
20,250 at 2.96%$84.94
20,250 at 2.97%$85.05
20,250 at 2.98%$85.16
20,250 at 2.99%$85.27
20,250 at 3%$85.37
20,250 at 3.01%$85.48
20,250 at 3.02%$85.59
20,250 at 3.03%$85.70
20,250 at 3.04%$85.81
20,250 at 3.05%$85.92
20,250 at 3.06%$86.03
20,250 at 3.07%$86.14
20,250 at 3.08%$86.25
20,250 at 3.09%$86.36
20,250 at 3.1%$86.47
20,250 at 3.11%$86.58
20,250 at 3.12%$86.69
20,250 at 3.13%$86.80
20,250 at 3.14%$86.91
20,250 at 3.15%$87.02
20,250 at 3.16%$87.13
20,250 at 3.17%$87.24
20,250 at 3.18%$87.35
20,250 at 3.19%$87.46
20,250 at 3.2%$87.57
20,250 at 3.21%$87.69
20,250 at 3.22%$87.80
20,250 at 3.23%$87.91
20,250 at 3.24%$88.02
20,250 at 3.25%$88.13
20,250 at 3.26%$88.24
20,250 at 3.27%$88.35
20,250 at 3.28%$88.46
20,250 at 3.29%$88.57
20,250 at 3.3%$88.69
20,250 at 3.31%$88.80
20,250 at 3.32%$88.91
20,250 at 3.33%$89.02
20,250 at 3.34%$89.13
20,250 at 3.35%$89.24
20,250 at 3.36%$89.36
20,250 at 3.37%$89.47
20,250 at 3.38%$89.58
20,250 at 3.39%$89.69
20,250 at 3.4%$89.80
20,250 at 3.41%$89.92
20,250 at 3.42%$90.03
20,250 at 3.43%$90.14
20,250 at 3.44%$90.25
20,250 at 3.45%$90.37
20,250 at 3.46%$90.48
20,250 at 3.47%$90.59
20,250 at 3.48%$90.71
20,250 at 3.49%$90.82
20,250 at 3.5%$90.93
Interest Rate 30 Year
20,250 at 3.51%$91.04
20,250 at 3.52%$91.16
20,250 at 3.53%$91.27
20,250 at 3.54%$91.38
20,250 at 3.55%$91.50
20,250 at 3.56%$91.61
20,250 at 3.57%$91.72
20,250 at 3.58%$91.84
20,250 at 3.59%$91.95
20,250 at 3.6%$92.07
20,250 at 3.61%$92.18
20,250 at 3.62%$92.29
20,250 at 3.63%$92.41
20,250 at 3.64%$92.52
20,250 at 3.65%$92.64
20,250 at 3.66%$92.75
20,250 at 3.67%$92.86
20,250 at 3.68%$92.98
20,250 at 3.69%$93.09
20,250 at 3.7%$93.21
20,250 at 3.71%$93.32
20,250 at 3.72%$93.44
20,250 at 3.73%$93.55
20,250 at 3.74%$93.67
20,250 at 3.75%$93.78
20,250 at 3.76%$93.90
20,250 at 3.77%$94.01
20,250 at 3.78%$94.13
20,250 at 3.79%$94.24
20,250 at 3.8%$94.36
20,250 at 3.81%$94.47
20,250 at 3.82%$94.59
20,250 at 3.83%$94.70
20,250 at 3.84%$94.82
20,250 at 3.85%$94.93
20,250 at 3.86%$95.05
20,250 at 3.87%$95.17
20,250 at 3.88%$95.28
20,250 at 3.89%$95.40
20,250 at 3.9%$95.51
20,250 at 3.91%$95.63
20,250 at 3.92%$95.74
20,250 at 3.93%$95.86
20,250 at 3.94%$95.98
20,250 at 3.95%$96.09
20,250 at 3.96%$96.21
20,250 at 3.97%$96.33
20,250 at 3.98%$96.44
20,250 at 3.99%$96.56
20,250 at 4%$96.68
20,250 at 4.01%$96.79
20,250 at 4.02%$96.91
20,250 at 4.03%$97.03
20,250 at 4.04%$97.14
20,250 at 4.05%$97.26
20,250 at 4.06%$97.38
20,250 at 4.07%$97.50
20,250 at 4.08%$97.61
20,250 at 4.09%$97.73
20,250 at 4.1%$97.85
20,250 at 4.11%$97.97
20,250 at 4.12%$98.08
20,250 at 4.13%$98.20
20,250 at 4.14%$98.32
20,250 at 4.15%$98.44
20,250 at 4.16%$98.55
20,250 at 4.17%$98.67
20,250 at 4.18%$98.79
20,250 at 4.19%$98.91
20,250 at 4.2%$99.03
20,250 at 4.21%$99.14
20,250 at 4.22%$99.26
20,250 at 4.23%$99.38
20,250 at 4.24%$99.50
20,250 at 4.25%$99.62
20,250 at 4.26%$99.74
20,250 at 4.27%$99.86
20,250 at 4.28%$99.97
20,250 at 4.29%$100.09
20,250 at 4.3%$100.21
20,250 at 4.31%$100.33
20,250 at 4.32%$100.45
20,250 at 4.33%$100.57
20,250 at 4.34%$100.69
20,250 at 4.35%$100.81
20,250 at 4.36%$100.93
20,250 at 4.37%$101.05
20,250 at 4.38%$101.16
20,250 at 4.39%$101.28
20,250 at 4.4%$101.40
20,250 at 4.41%$101.52
20,250 at 4.42%$101.64
20,250 at 4.43%$101.76
20,250 at 4.44%$101.88
20,250 at 4.45%$102.00
20,250 at 4.46%$102.12
20,250 at 4.47%$102.24
20,250 at 4.48%$102.36
20,250 at 4.49%$102.48
20,250 at 4.5%$102.60
20,250 at 4.51%$102.72
20,250 at 4.52%$102.84
20,250 at 4.53%$102.97
20,250 at 4.54%$103.09
20,250 at 4.55%$103.21
20,250 at 4.56%$103.33
20,250 at 4.57%$103.45
20,250 at 4.58%$103.57
20,250 at 4.59%$103.69
20,250 at 4.6%$103.81
20,250 at 4.61%$103.93
20,250 at 4.62%$104.05
20,250 at 4.63%$104.17
20,250 at 4.64%$104.30
20,250 at 4.65%$104.42
20,250 at 4.66%$104.54
20,250 at 4.67%$104.66
20,250 at 4.68%$104.78
20,250 at 4.69%$104.90
20,250 at 4.7%$105.02
20,250 at 4.71%$105.15
20,250 at 4.72%$105.27
20,250 at 4.73%$105.39
20,250 at 4.74%$105.51
20,250 at 4.75%$105.63
20,250 at 4.76%$105.76
20,250 at 4.77%$105.88
20,250 at 4.78%$106.00
20,250 at 4.79%$106.12
20,250 at 4.8%$106.24
20,250 at 4.81%$106.37
20,250 at 4.82%$106.49
20,250 at 4.83%$106.61
20,250 at 4.84%$106.73
20,250 at 4.85%$106.86
20,250 at 4.86%$106.98
20,250 at 4.87%$107.10
20,250 at 4.88%$107.23
20,250 at 4.89%$107.35
20,250 at 4.9%$107.47
20,250 at 4.91%$107.60
20,250 at 4.92%$107.72
20,250 at 4.93%$107.84
20,250 at 4.94%$107.97
20,250 at 4.95%$108.09
20,250 at 4.96%$108.21
20,250 at 4.97%$108.34
20,250 at 4.98%$108.46
20,250 at 4.99%$108.58
20,250 at 5%$108.71
Interest Rate 30 Year
20,250 at 5.01%$108.83
20,250 at 5.02%$108.95
20,250 at 5.03%$109.08
20,250 at 5.04%$109.20
20,250 at 5.05%$109.33
20,250 at 5.06%$109.45
20,250 at 5.07%$109.57
20,250 at 5.08%$109.70
20,250 at 5.09%$109.82
20,250 at 5.1%$109.95
20,250 at 5.11%$110.07
20,250 at 5.12%$110.20
20,250 at 5.13%$110.32
20,250 at 5.14%$110.45
20,250 at 5.15%$110.57
20,250 at 5.16%$110.70
20,250 at 5.17%$110.82
20,250 at 5.18%$110.94
20,250 at 5.19%$111.07
20,250 at 5.2%$111.19
20,250 at 5.21%$111.32
20,250 at 5.22%$111.45
20,250 at 5.23%$111.57
20,250 at 5.24%$111.70
20,250 at 5.25%$111.82
20,250 at 5.26%$111.95
20,250 at 5.27%$112.07
20,250 at 5.28%$112.20
20,250 at 5.29%$112.32
20,250 at 5.3%$112.45
20,250 at 5.31%$112.57
20,250 at 5.32%$112.70
20,250 at 5.33%$112.83
20,250 at 5.34%$112.95
20,250 at 5.35%$113.08
20,250 at 5.36%$113.20
20,250 at 5.37%$113.33
20,250 at 5.38%$113.46
20,250 at 5.39%$113.58
20,250 at 5.4%$113.71
20,250 at 5.41%$113.84
20,250 at 5.42%$113.96
20,250 at 5.43%$114.09
20,250 at 5.44%$114.22
20,250 at 5.45%$114.34
20,250 at 5.46%$114.47
20,250 at 5.47%$114.60
20,250 at 5.48%$114.72
20,250 at 5.49%$114.85
20,250 at 5.5%$114.98
20,250 at 5.51%$115.10
20,250 at 5.52%$115.23
20,250 at 5.53%$115.36
20,250 at 5.54%$115.49
20,250 at 5.55%$115.61
20,250 at 5.56%$115.74
20,250 at 5.57%$115.87
20,250 at 5.58%$116.00
20,250 at 5.59%$116.12
20,250 at 5.6%$116.25
20,250 at 5.61%$116.38
20,250 at 5.62%$116.51
20,250 at 5.63%$116.63
20,250 at 5.64%$116.76
20,250 at 5.65%$116.89
20,250 at 5.66%$117.02
20,250 at 5.67%$117.15
20,250 at 5.68%$117.27
20,250 at 5.69%$117.40
20,250 at 5.7%$117.53
20,250 at 5.71%$117.66
20,250 at 5.72%$117.79
20,250 at 5.73%$117.92
20,250 at 5.74%$118.04
20,250 at 5.75%$118.17
20,250 at 5.76%$118.30
20,250 at 5.77%$118.43
20,250 at 5.78%$118.56
20,250 at 5.79%$118.69
20,250 at 5.8%$118.82
20,250 at 5.81%$118.95
20,250 at 5.82%$119.08
20,250 at 5.83%$119.20
20,250 at 5.84%$119.33
20,250 at 5.85%$119.46
20,250 at 5.86%$119.59
20,250 at 5.87%$119.72
20,250 at 5.88%$119.85
20,250 at 5.89%$119.98
20,250 at 5.9%$120.11
20,250 at 5.91%$120.24
20,250 at 5.92%$120.37
20,250 at 5.93%$120.50
20,250 at 5.94%$120.63
20,250 at 5.95%$120.76
20,250 at 5.96%$120.89
20,250 at 5.97%$121.02
20,250 at 5.98%$121.15
20,250 at 5.99%$121.28
20,250 at 6%$121.41
20,250 at 6.01%$121.54
20,250 at 6.02%$121.67
20,250 at 6.03%$121.80
20,250 at 6.04%$121.93
20,250 at 6.05%$122.06
20,250 at 6.06%$122.19
20,250 at 6.07%$122.32
20,250 at 6.08%$122.45
20,250 at 6.09%$122.58
20,250 at 6.1%$122.71
20,250 at 6.11%$122.84
20,250 at 6.12%$122.98
20,250 at 6.13%$123.11
20,250 at 6.14%$123.24
20,250 at 6.15%$123.37
20,250 at 6.16%$123.50
20,250 at 6.17%$123.63
20,250 at 6.18%$123.76
20,250 at 6.19%$123.89
20,250 at 6.2%$124.02
20,250 at 6.21%$124.16
20,250 at 6.22%$124.29
20,250 at 6.23%$124.42
20,250 at 6.24%$124.55
20,250 at 6.25%$124.68
20,250 at 6.26%$124.81
20,250 at 6.27%$124.95
20,250 at 6.28%$125.08
20,250 at 6.29%$125.21
20,250 at 6.3%$125.34
20,250 at 6.31%$125.47
20,250 at 6.32%$125.61
20,250 at 6.33%$125.74
20,250 at 6.34%$125.87
20,250 at 6.35%$126.00
20,250 at 6.36%$126.14
20,250 at 6.37%$126.27
20,250 at 6.38%$126.40
20,250 at 6.39%$126.53
20,250 at 6.4%$126.66
20,250 at 6.41%$126.80
20,250 at 6.42%$126.93
20,250 at 6.43%$127.06
20,250 at 6.44%$127.20
20,250 at 6.45%$127.33
20,250 at 6.46%$127.46
20,250 at 6.47%$127.59
20,250 at 6.48%$127.73
20,250 at 6.49%$127.86
20,250 at 6.5%$127.99
Interest Rate 30 Year
20,250 at 6.51%$128.13
20,250 at 6.52%$128.26
20,250 at 6.53%$128.39
20,250 at 6.54%$128.53
20,250 at 6.55%$128.66
20,250 at 6.56%$128.79
20,250 at 6.57%$128.93
20,250 at 6.58%$129.06
20,250 at 6.59%$129.19
20,250 at 6.6%$129.33
20,250 at 6.61%$129.46
20,250 at 6.62%$129.60
20,250 at 6.63%$129.73
20,250 at 6.64%$129.86
20,250 at 6.65%$130.00
20,250 at 6.66%$130.13
20,250 at 6.67%$130.27
20,250 at 6.68%$130.40
20,250 at 6.69%$130.53
20,250 at 6.7%$130.67
20,250 at 6.71%$130.80
20,250 at 6.72%$130.94
20,250 at 6.73%$131.07
20,250 at 6.74%$131.21
20,250 at 6.75%$131.34
20,250 at 6.76%$131.48
20,250 at 6.77%$131.61
20,250 at 6.78%$131.75
20,250 at 6.79%$131.88
20,250 at 6.8%$132.01
20,250 at 6.81%$132.15
20,250 at 6.82%$132.28
20,250 at 6.83%$132.42
20,250 at 6.84%$132.55
20,250 at 6.85%$132.69
20,250 at 6.86%$132.83
20,250 at 6.87%$132.96
20,250 at 6.88%$133.10
20,250 at 6.89%$133.23
20,250 at 6.9%$133.37
20,250 at 6.91%$133.50
20,250 at 6.92%$133.64
20,250 at 6.93%$133.77
20,250 at 6.94%$133.91
20,250 at 6.95%$134.04
20,250 at 6.96%$134.18
20,250 at 6.97%$134.32
20,250 at 6.98%$134.45
20,250 at 6.99%$134.59
20,250 at 7%$134.72
20,250 at 7.01%$134.86
20,250 at 7.02%$135.00
20,250 at 7.03%$135.13
20,250 at 7.04%$135.27
20,250 at 7.05%$135.40
20,250 at 7.06%$135.54
20,250 at 7.07%$135.68
20,250 at 7.08%$135.81
20,250 at 7.09%$135.95
20,250 at 7.1%$136.09
20,250 at 7.11%$136.22
20,250 at 7.12%$136.36
20,250 at 7.13%$136.50
20,250 at 7.14%$136.63
20,250 at 7.15%$136.77
20,250 at 7.16%$136.91
20,250 at 7.17%$137.04
20,250 at 7.18%$137.18
20,250 at 7.19%$137.32
20,250 at 7.2%$137.45
20,250 at 7.21%$137.59
20,250 at 7.22%$137.73
20,250 at 7.23%$137.87
20,250 at 7.24%$138.00
20,250 at 7.25%$138.14
20,250 at 7.26%$138.28
20,250 at 7.27%$138.42
20,250 at 7.28%$138.55
20,250 at 7.29%$138.69
20,250 at 7.3%$138.83
20,250 at 7.31%$138.97
20,250 at 7.32%$139.10
20,250 at 7.33%$139.24
20,250 at 7.34%$139.38
20,250 at 7.35%$139.52
20,250 at 7.36%$139.65
20,250 at 7.37%$139.79
20,250 at 7.38%$139.93
20,250 at 7.39%$140.07
20,250 at 7.4%$140.21
20,250 at 7.41%$140.35
20,250 at 7.42%$140.48
20,250 at 7.43%$140.62
20,250 at 7.44%$140.76
20,250 at 7.45%$140.90
20,250 at 7.46%$141.04
20,250 at 7.47%$141.18
20,250 at 7.48%$141.31
20,250 at 7.49%$141.45
20,250 at 7.5%$141.59
20,250 at 7.51%$141.73
20,250 at 7.52%$141.87
20,250 at 7.53%$142.01
20,250 at 7.54%$142.15
20,250 at 7.55%$142.28
20,250 at 7.56%$142.42
20,250 at 7.57%$142.56
20,250 at 7.58%$142.70
20,250 at 7.59%$142.84
20,250 at 7.6%$142.98
20,250 at 7.61%$143.12
20,250 at 7.62%$143.26
20,250 at 7.63%$143.40
20,250 at 7.64%$143.54
20,250 at 7.65%$143.68
20,250 at 7.66%$143.82
20,250 at 7.67%$143.96
20,250 at 7.68%$144.10
20,250 at 7.69%$144.23
20,250 at 7.7%$144.37
20,250 at 7.71%$144.51
20,250 at 7.72%$144.65
20,250 at 7.73%$144.79
20,250 at 7.74%$144.93
20,250 at 7.75%$145.07
20,250 at 7.76%$145.21
20,250 at 7.77%$145.35
20,250 at 7.78%$145.49
20,250 at 7.79%$145.63
20,250 at 7.8%$145.77
20,250 at 7.81%$145.91
20,250 at 7.82%$146.05
20,250 at 7.83%$146.19
20,250 at 7.84%$146.33
20,250 at 7.85%$146.48
20,250 at 7.86%$146.62
20,250 at 7.87%$146.76
20,250 at 7.88%$146.90
20,250 at 7.89%$147.04
20,250 at 7.9%$147.18
20,250 at 7.91%$147.32
20,250 at 7.92%$147.46
20,250 at 7.93%$147.60
20,250 at 7.94%$147.74
20,250 at 7.95%$147.88
20,250 at 7.96%$148.02
20,250 at 7.97%$148.16
20,250 at 7.98%$148.31
20,250 at 7.99%$148.45
20,250 at 8%$148.59
More Amounts
What is the down payment for a $20,250 house? How much do you need to put down?
Percent Down Down Payment
1%203
2%405
3%608
4%810
5%1,013
6%1,215
7%1,418
8%1,620
9%1,823
10%2,025
11%2,228
12%2,430
13%2,633
14%2,835
15%3,038
16%3,240
17%3,443
18%3,645
19%3,848
20%4,050
Percent Down Down Payment
21%4,253
22%4,455
23%4,658
24%4,860
25%5,063
26%5,265
27%5,468
28%5,670
29%5,873
30%6,075
31%6,278
32%6,480
33%6,683
34%6,885
35%7,088
36%7,290
37%7,493
38%7,695
39%7,898
40%8,100
Percent Down Down Payment
41%8,303
42%8,505
43%8,708
44%8,910
45%9,113
46%9,315
47%9,518
48%9,720
49%9,923
50%10,125
51%10,328
52%10,530
53%10,733
54%10,935
55%11,138
56%11,340
57%11,543
58%11,745
59%11,948
60%12,150
Percent Down Down Payment
61%12,353
62%12,555
63%12,758
64%12,960
65%13,163
66%13,365
67%13,568
68%13,770
69%13,973
70%14,175
71%14,378
72%14,580
73%14,783
74%14,985
75%15,188
76%15,390
77%15,593
78%15,795
79%15,998
80%16,200
Percent Down Down Payment
81%16,403
82%16,605
83%16,808
84%17,010
85%17,213
86%17,415
87%17,618
88%17,820
89%18,023
90%18,225
91%18,428
92%18,630
93%18,833
94%19,035
95%19,238
96%19,440
97%19,643
98%19,845
99%20,048
100%20,250
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.