$20,400 Mortgage for 30 Years

What is the monthly payment of a 20,400 dollar loan?
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Loan Tables for a $20,400 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 $20,400 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
20,400 at 2.01%$75.50
20,400 at 2.02%$75.61
20,400 at 2.03%$75.71
20,400 at 2.04%$75.81
20,400 at 2.05%$75.91
20,400 at 2.06%$76.02
20,400 at 2.07%$76.12
20,400 at 2.08%$76.22
20,400 at 2.09%$76.32
20,400 at 2.1%$76.43
20,400 at 2.11%$76.53
20,400 at 2.12%$76.63
20,400 at 2.13%$76.74
20,400 at 2.14%$76.84
20,400 at 2.15%$76.94
20,400 at 2.16%$77.05
20,400 at 2.17%$77.15
20,400 at 2.18%$77.25
20,400 at 2.19%$77.36
20,400 at 2.2%$77.46
20,400 at 2.21%$77.56
20,400 at 2.22%$77.67
20,400 at 2.23%$77.77
20,400 at 2.24%$77.87
20,400 at 2.25%$77.98
20,400 at 2.26%$78.08
20,400 at 2.27%$78.19
20,400 at 2.28%$78.29
20,400 at 2.29%$78.40
20,400 at 2.3%$78.50
20,400 at 2.31%$78.60
20,400 at 2.32%$78.71
20,400 at 2.33%$78.81
20,400 at 2.34%$78.92
20,400 at 2.35%$79.02
20,400 at 2.36%$79.13
20,400 at 2.37%$79.23
20,400 at 2.38%$79.34
20,400 at 2.39%$79.44
20,400 at 2.4%$79.55
20,400 at 2.41%$79.65
20,400 at 2.42%$79.76
20,400 at 2.43%$79.86
20,400 at 2.44%$79.97
20,400 at 2.45%$80.08
20,400 at 2.46%$80.18
20,400 at 2.47%$80.29
20,400 at 2.48%$80.39
20,400 at 2.49%$80.50
20,400 at 2.5%$80.60
20,400 at 2.51%$80.71
20,400 at 2.52%$80.82
20,400 at 2.53%$80.92
20,400 at 2.54%$81.03
20,400 at 2.55%$81.14
20,400 at 2.56%$81.24
20,400 at 2.57%$81.35
20,400 at 2.58%$81.46
20,400 at 2.59%$81.56
20,400 at 2.6%$81.67
20,400 at 2.61%$81.78
20,400 at 2.62%$81.88
20,400 at 2.63%$81.99
20,400 at 2.64%$82.10
20,400 at 2.65%$82.20
20,400 at 2.66%$82.31
20,400 at 2.67%$82.42
20,400 at 2.68%$82.53
20,400 at 2.69%$82.63
20,400 at 2.7%$82.74
20,400 at 2.71%$82.85
20,400 at 2.72%$82.96
20,400 at 2.73%$83.07
20,400 at 2.74%$83.17
20,400 at 2.75%$83.28
20,400 at 2.76%$83.39
20,400 at 2.77%$83.50
20,400 at 2.78%$83.61
20,400 at 2.79%$83.71
20,400 at 2.8%$83.82
20,400 at 2.81%$83.93
20,400 at 2.82%$84.04
20,400 at 2.83%$84.15
20,400 at 2.84%$84.26
20,400 at 2.85%$84.37
20,400 at 2.86%$84.47
20,400 at 2.87%$84.58
20,400 at 2.88%$84.69
20,400 at 2.89%$84.80
20,400 at 2.9%$84.91
20,400 at 2.91%$85.02
20,400 at 2.92%$85.13
20,400 at 2.93%$85.24
20,400 at 2.94%$85.35
20,400 at 2.95%$85.46
20,400 at 2.96%$85.57
20,400 at 2.97%$85.68
20,400 at 2.98%$85.79
20,400 at 2.99%$85.90
20,400 at 3%$86.01
20,400 at 3.01%$86.12
20,400 at 3.02%$86.23
20,400 at 3.03%$86.34
20,400 at 3.04%$86.45
20,400 at 3.05%$86.56
20,400 at 3.06%$86.67
20,400 at 3.07%$86.78
20,400 at 3.08%$86.89
20,400 at 3.09%$87.00
20,400 at 3.1%$87.11
20,400 at 3.11%$87.22
20,400 at 3.12%$87.33
20,400 at 3.13%$87.44
20,400 at 3.14%$87.56
20,400 at 3.15%$87.67
20,400 at 3.16%$87.78
20,400 at 3.17%$87.89
20,400 at 3.18%$88.00
20,400 at 3.19%$88.11
20,400 at 3.2%$88.22
20,400 at 3.21%$88.33
20,400 at 3.22%$88.45
20,400 at 3.23%$88.56
20,400 at 3.24%$88.67
20,400 at 3.25%$88.78
20,400 at 3.26%$88.89
20,400 at 3.27%$89.01
20,400 at 3.28%$89.12
20,400 at 3.29%$89.23
20,400 at 3.3%$89.34
20,400 at 3.31%$89.46
20,400 at 3.32%$89.57
20,400 at 3.33%$89.68
20,400 at 3.34%$89.79
20,400 at 3.35%$89.91
20,400 at 3.36%$90.02
20,400 at 3.37%$90.13
20,400 at 3.38%$90.24
20,400 at 3.39%$90.36
20,400 at 3.4%$90.47
20,400 at 3.41%$90.58
20,400 at 3.42%$90.70
20,400 at 3.43%$90.81
20,400 at 3.44%$90.92
20,400 at 3.45%$91.04
20,400 at 3.46%$91.15
20,400 at 3.47%$91.26
20,400 at 3.48%$91.38
20,400 at 3.49%$91.49
20,400 at 3.5%$91.61
Interest Rate 30 Year
20,400 at 3.51%$91.72
20,400 at 3.52%$91.83
20,400 at 3.53%$91.95
20,400 at 3.54%$92.06
20,400 at 3.55%$92.18
20,400 at 3.56%$92.29
20,400 at 3.57%$92.40
20,400 at 3.58%$92.52
20,400 at 3.59%$92.63
20,400 at 3.6%$92.75
20,400 at 3.61%$92.86
20,400 at 3.62%$92.98
20,400 at 3.63%$93.09
20,400 at 3.64%$93.21
20,400 at 3.65%$93.32
20,400 at 3.66%$93.44
20,400 at 3.67%$93.55
20,400 at 3.68%$93.67
20,400 at 3.69%$93.78
20,400 at 3.7%$93.90
20,400 at 3.71%$94.01
20,400 at 3.72%$94.13
20,400 at 3.73%$94.24
20,400 at 3.74%$94.36
20,400 at 3.75%$94.48
20,400 at 3.76%$94.59
20,400 at 3.77%$94.71
20,400 at 3.78%$94.82
20,400 at 3.79%$94.94
20,400 at 3.8%$95.06
20,400 at 3.81%$95.17
20,400 at 3.82%$95.29
20,400 at 3.83%$95.40
20,400 at 3.84%$95.52
20,400 at 3.85%$95.64
20,400 at 3.86%$95.75
20,400 at 3.87%$95.87
20,400 at 3.88%$95.99
20,400 at 3.89%$96.10
20,400 at 3.9%$96.22
20,400 at 3.91%$96.34
20,400 at 3.92%$96.45
20,400 at 3.93%$96.57
20,400 at 3.94%$96.69
20,400 at 3.95%$96.81
20,400 at 3.96%$96.92
20,400 at 3.97%$97.04
20,400 at 3.98%$97.16
20,400 at 3.99%$97.28
20,400 at 4%$97.39
20,400 at 4.01%$97.51
20,400 at 4.02%$97.63
20,400 at 4.03%$97.75
20,400 at 4.04%$97.86
20,400 at 4.05%$97.98
20,400 at 4.06%$98.10
20,400 at 4.07%$98.22
20,400 at 4.08%$98.34
20,400 at 4.09%$98.45
20,400 at 4.1%$98.57
20,400 at 4.11%$98.69
20,400 at 4.12%$98.81
20,400 at 4.13%$98.93
20,400 at 4.14%$99.05
20,400 at 4.15%$99.17
20,400 at 4.16%$99.28
20,400 at 4.17%$99.40
20,400 at 4.18%$99.52
20,400 at 4.19%$99.64
20,400 at 4.2%$99.76
20,400 at 4.21%$99.88
20,400 at 4.22%$100.00
20,400 at 4.23%$100.12
20,400 at 4.24%$100.24
20,400 at 4.25%$100.36
20,400 at 4.26%$100.48
20,400 at 4.27%$100.59
20,400 at 4.28%$100.71
20,400 at 4.29%$100.83
20,400 at 4.3%$100.95
20,400 at 4.31%$101.07
20,400 at 4.32%$101.19
20,400 at 4.33%$101.31
20,400 at 4.34%$101.43
20,400 at 4.35%$101.55
20,400 at 4.36%$101.67
20,400 at 4.37%$101.79
20,400 at 4.38%$101.91
20,400 at 4.39%$102.03
20,400 at 4.4%$102.16
20,400 at 4.41%$102.28
20,400 at 4.42%$102.40
20,400 at 4.43%$102.52
20,400 at 4.44%$102.64
20,400 at 4.45%$102.76
20,400 at 4.46%$102.88
20,400 at 4.47%$103.00
20,400 at 4.48%$103.12
20,400 at 4.49%$103.24
20,400 at 4.5%$103.36
20,400 at 4.51%$103.49
20,400 at 4.52%$103.61
20,400 at 4.53%$103.73
20,400 at 4.54%$103.85
20,400 at 4.55%$103.97
20,400 at 4.56%$104.09
20,400 at 4.57%$104.21
20,400 at 4.58%$104.34
20,400 at 4.59%$104.46
20,400 at 4.6%$104.58
20,400 at 4.61%$104.70
20,400 at 4.62%$104.82
20,400 at 4.63%$104.95
20,400 at 4.64%$105.07
20,400 at 4.65%$105.19
20,400 at 4.66%$105.31
20,400 at 4.67%$105.43
20,400 at 4.68%$105.56
20,400 at 4.69%$105.68
20,400 at 4.7%$105.80
20,400 at 4.71%$105.92
20,400 at 4.72%$106.05
20,400 at 4.73%$106.17
20,400 at 4.74%$106.29
20,400 at 4.75%$106.42
20,400 at 4.76%$106.54
20,400 at 4.77%$106.66
20,400 at 4.78%$106.79
20,400 at 4.79%$106.91
20,400 at 4.8%$107.03
20,400 at 4.81%$107.16
20,400 at 4.82%$107.28
20,400 at 4.83%$107.40
20,400 at 4.84%$107.53
20,400 at 4.85%$107.65
20,400 at 4.86%$107.77
20,400 at 4.87%$107.90
20,400 at 4.88%$108.02
20,400 at 4.89%$108.14
20,400 at 4.9%$108.27
20,400 at 4.91%$108.39
20,400 at 4.92%$108.52
20,400 at 4.93%$108.64
20,400 at 4.94%$108.76
20,400 at 4.95%$108.89
20,400 at 4.96%$109.01
20,400 at 4.97%$109.14
20,400 at 4.98%$109.26
20,400 at 4.99%$109.39
20,400 at 5%$109.51
Interest Rate 30 Year
20,400 at 5.01%$109.64
20,400 at 5.02%$109.76
20,400 at 5.03%$109.89
20,400 at 5.04%$110.01
20,400 at 5.05%$110.14
20,400 at 5.06%$110.26
20,400 at 5.07%$110.39
20,400 at 5.08%$110.51
20,400 at 5.09%$110.64
20,400 at 5.1%$110.76
20,400 at 5.11%$110.89
20,400 at 5.12%$111.01
20,400 at 5.13%$111.14
20,400 at 5.14%$111.26
20,400 at 5.15%$111.39
20,400 at 5.16%$111.52
20,400 at 5.17%$111.64
20,400 at 5.18%$111.77
20,400 at 5.19%$111.89
20,400 at 5.2%$112.02
20,400 at 5.21%$112.14
20,400 at 5.22%$112.27
20,400 at 5.23%$112.40
20,400 at 5.24%$112.52
20,400 at 5.25%$112.65
20,400 at 5.26%$112.78
20,400 at 5.27%$112.90
20,400 at 5.28%$113.03
20,400 at 5.29%$113.16
20,400 at 5.3%$113.28
20,400 at 5.31%$113.41
20,400 at 5.32%$113.54
20,400 at 5.33%$113.66
20,400 at 5.34%$113.79
20,400 at 5.35%$113.92
20,400 at 5.36%$114.04
20,400 at 5.37%$114.17
20,400 at 5.38%$114.30
20,400 at 5.39%$114.42
20,400 at 5.4%$114.55
20,400 at 5.41%$114.68
20,400 at 5.42%$114.81
20,400 at 5.43%$114.93
20,400 at 5.44%$115.06
20,400 at 5.45%$115.19
20,400 at 5.46%$115.32
20,400 at 5.47%$115.45
20,400 at 5.48%$115.57
20,400 at 5.49%$115.70
20,400 at 5.5%$115.83
20,400 at 5.51%$115.96
20,400 at 5.52%$116.09
20,400 at 5.53%$116.21
20,400 at 5.54%$116.34
20,400 at 5.55%$116.47
20,400 at 5.56%$116.60
20,400 at 5.57%$116.73
20,400 at 5.58%$116.85
20,400 at 5.59%$116.98
20,400 at 5.6%$117.11
20,400 at 5.61%$117.24
20,400 at 5.62%$117.37
20,400 at 5.63%$117.50
20,400 at 5.64%$117.63
20,400 at 5.65%$117.76
20,400 at 5.66%$117.89
20,400 at 5.67%$118.01
20,400 at 5.68%$118.14
20,400 at 5.69%$118.27
20,400 at 5.7%$118.40
20,400 at 5.71%$118.53
20,400 at 5.72%$118.66
20,400 at 5.73%$118.79
20,400 at 5.74%$118.92
20,400 at 5.75%$119.05
20,400 at 5.76%$119.18
20,400 at 5.77%$119.31
20,400 at 5.78%$119.44
20,400 at 5.79%$119.57
20,400 at 5.8%$119.70
20,400 at 5.81%$119.83
20,400 at 5.82%$119.96
20,400 at 5.83%$120.09
20,400 at 5.84%$120.22
20,400 at 5.85%$120.35
20,400 at 5.86%$120.48
20,400 at 5.87%$120.61
20,400 at 5.88%$120.74
20,400 at 5.89%$120.87
20,400 at 5.9%$121.00
20,400 at 5.91%$121.13
20,400 at 5.92%$121.26
20,400 at 5.93%$121.39
20,400 at 5.94%$121.52
20,400 at 5.95%$121.65
20,400 at 5.96%$121.78
20,400 at 5.97%$121.92
20,400 at 5.98%$122.05
20,400 at 5.99%$122.18
20,400 at 6%$122.31
20,400 at 6.01%$122.44
20,400 at 6.02%$122.57
20,400 at 6.03%$122.70
20,400 at 6.04%$122.83
20,400 at 6.05%$122.96
20,400 at 6.06%$123.10
20,400 at 6.07%$123.23
20,400 at 6.08%$123.36
20,400 at 6.09%$123.49
20,400 at 6.1%$123.62
20,400 at 6.11%$123.75
20,400 at 6.12%$123.89
20,400 at 6.13%$124.02
20,400 at 6.14%$124.15
20,400 at 6.15%$124.28
20,400 at 6.16%$124.41
20,400 at 6.17%$124.55
20,400 at 6.18%$124.68
20,400 at 6.19%$124.81
20,400 at 6.2%$124.94
20,400 at 6.21%$125.08
20,400 at 6.22%$125.21
20,400 at 6.23%$125.34
20,400 at 6.24%$125.47
20,400 at 6.25%$125.61
20,400 at 6.26%$125.74
20,400 at 6.27%$125.87
20,400 at 6.28%$126.00
20,400 at 6.29%$126.14
20,400 at 6.3%$126.27
20,400 at 6.31%$126.40
20,400 at 6.32%$126.54
20,400 at 6.33%$126.67
20,400 at 6.34%$126.80
20,400 at 6.35%$126.94
20,400 at 6.36%$127.07
20,400 at 6.37%$127.20
20,400 at 6.38%$127.34
20,400 at 6.39%$127.47
20,400 at 6.4%$127.60
20,400 at 6.41%$127.74
20,400 at 6.42%$127.87
20,400 at 6.43%$128.00
20,400 at 6.44%$128.14
20,400 at 6.45%$128.27
20,400 at 6.46%$128.41
20,400 at 6.47%$128.54
20,400 at 6.48%$128.67
20,400 at 6.49%$128.81
20,400 at 6.5%$128.94
Interest Rate 30 Year
20,400 at 6.51%$129.08
20,400 at 6.52%$129.21
20,400 at 6.53%$129.34
20,400 at 6.54%$129.48
20,400 at 6.55%$129.61
20,400 at 6.56%$129.75
20,400 at 6.57%$129.88
20,400 at 6.58%$130.02
20,400 at 6.59%$130.15
20,400 at 6.6%$130.29
20,400 at 6.61%$130.42
20,400 at 6.62%$130.56
20,400 at 6.63%$130.69
20,400 at 6.64%$130.83
20,400 at 6.65%$130.96
20,400 at 6.66%$131.10
20,400 at 6.67%$131.23
20,400 at 6.68%$131.37
20,400 at 6.69%$131.50
20,400 at 6.7%$131.64
20,400 at 6.71%$131.77
20,400 at 6.72%$131.91
20,400 at 6.73%$132.04
20,400 at 6.74%$132.18
20,400 at 6.75%$132.31
20,400 at 6.76%$132.45
20,400 at 6.77%$132.59
20,400 at 6.78%$132.72
20,400 at 6.79%$132.86
20,400 at 6.8%$132.99
20,400 at 6.81%$133.13
20,400 at 6.82%$133.26
20,400 at 6.83%$133.40
20,400 at 6.84%$133.54
20,400 at 6.85%$133.67
20,400 at 6.86%$133.81
20,400 at 6.87%$133.95
20,400 at 6.88%$134.08
20,400 at 6.89%$134.22
20,400 at 6.9%$134.35
20,400 at 6.91%$134.49
20,400 at 6.92%$134.63
20,400 at 6.93%$134.76
20,400 at 6.94%$134.90
20,400 at 6.95%$135.04
20,400 at 6.96%$135.17
20,400 at 6.97%$135.31
20,400 at 6.98%$135.45
20,400 at 6.99%$135.58
20,400 at 7%$135.72
20,400 at 7.01%$135.86
20,400 at 7.02%$136.00
20,400 at 7.03%$136.13
20,400 at 7.04%$136.27
20,400 at 7.05%$136.41
20,400 at 7.06%$136.54
20,400 at 7.07%$136.68
20,400 at 7.08%$136.82
20,400 at 7.09%$136.96
20,400 at 7.1%$137.09
20,400 at 7.11%$137.23
20,400 at 7.12%$137.37
20,400 at 7.13%$137.51
20,400 at 7.14%$137.65
20,400 at 7.15%$137.78
20,400 at 7.16%$137.92
20,400 at 7.17%$138.06
20,400 at 7.18%$138.20
20,400 at 7.19%$138.33
20,400 at 7.2%$138.47
20,400 at 7.21%$138.61
20,400 at 7.22%$138.75
20,400 at 7.23%$138.89
20,400 at 7.24%$139.03
20,400 at 7.25%$139.16
20,400 at 7.26%$139.30
20,400 at 7.27%$139.44
20,400 at 7.28%$139.58
20,400 at 7.29%$139.72
20,400 at 7.3%$139.86
20,400 at 7.31%$140.00
20,400 at 7.32%$140.13
20,400 at 7.33%$140.27
20,400 at 7.34%$140.41
20,400 at 7.35%$140.55
20,400 at 7.36%$140.69
20,400 at 7.37%$140.83
20,400 at 7.38%$140.97
20,400 at 7.39%$141.11
20,400 at 7.4%$141.25
20,400 at 7.41%$141.38
20,400 at 7.42%$141.52
20,400 at 7.43%$141.66
20,400 at 7.44%$141.80
20,400 at 7.45%$141.94
20,400 at 7.46%$142.08
20,400 at 7.47%$142.22
20,400 at 7.48%$142.36
20,400 at 7.49%$142.50
20,400 at 7.5%$142.64
20,400 at 7.51%$142.78
20,400 at 7.52%$142.92
20,400 at 7.53%$143.06
20,400 at 7.54%$143.20
20,400 at 7.55%$143.34
20,400 at 7.56%$143.48
20,400 at 7.57%$143.62
20,400 at 7.58%$143.76
20,400 at 7.59%$143.90
20,400 at 7.6%$144.04
20,400 at 7.61%$144.18
20,400 at 7.62%$144.32
20,400 at 7.63%$144.46
20,400 at 7.64%$144.60
20,400 at 7.65%$144.74
20,400 at 7.66%$144.88
20,400 at 7.67%$145.02
20,400 at 7.68%$145.16
20,400 at 7.69%$145.30
20,400 at 7.7%$145.44
20,400 at 7.71%$145.58
20,400 at 7.72%$145.73
20,400 at 7.73%$145.87
20,400 at 7.74%$146.01
20,400 at 7.75%$146.15
20,400 at 7.76%$146.29
20,400 at 7.77%$146.43
20,400 at 7.78%$146.57
20,400 at 7.79%$146.71
20,400 at 7.8%$146.85
20,400 at 7.81%$146.99
20,400 at 7.82%$147.14
20,400 at 7.83%$147.28
20,400 at 7.84%$147.42
20,400 at 7.85%$147.56
20,400 at 7.86%$147.70
20,400 at 7.87%$147.84
20,400 at 7.88%$147.98
20,400 at 7.89%$148.13
20,400 at 7.9%$148.27
20,400 at 7.91%$148.41
20,400 at 7.92%$148.55
20,400 at 7.93%$148.69
20,400 at 7.94%$148.84
20,400 at 7.95%$148.98
20,400 at 7.96%$149.12
20,400 at 7.97%$149.26
20,400 at 7.98%$149.40
20,400 at 7.99%$149.55
20,400 at 8%$149.69
More Amounts
What is the down payment for a $20,400 house? How much do you need to put down?
Percent Down Down Payment
1%204
2%408
3%612
4%816
5%1,020
6%1,224
7%1,428
8%1,632
9%1,836
10%2,040
11%2,244
12%2,448
13%2,652
14%2,856
15%3,060
16%3,264
17%3,468
18%3,672
19%3,876
20%4,080
Percent Down Down Payment
21%4,284
22%4,488
23%4,692
24%4,896
25%5,100
26%5,304
27%5,508
28%5,712
29%5,916
30%6,120
31%6,324
32%6,528
33%6,732
34%6,936
35%7,140
36%7,344
37%7,548
38%7,752
39%7,956
40%8,160
Percent Down Down Payment
41%8,364
42%8,568
43%8,772
44%8,976
45%9,180
46%9,384
47%9,588
48%9,792
49%9,996
50%10,200
51%10,404
52%10,608
53%10,812
54%11,016
55%11,220
56%11,424
57%11,628
58%11,832
59%12,036
60%12,240
Percent Down Down Payment
61%12,444
62%12,648
63%12,852
64%13,056
65%13,260
66%13,464
67%13,668
68%13,872
69%14,076
70%14,280
71%14,484
72%14,688
73%14,892
74%15,096
75%15,300
76%15,504
77%15,708
78%15,912
79%16,116
80%16,320
Percent Down Down Payment
81%16,524
82%16,728
83%16,932
84%17,136
85%17,340
86%17,544
87%17,748
88%17,952
89%18,156
90%18,360
91%18,564
92%18,768
93%18,972
94%19,176
95%19,380
96%19,584
97%19,788
98%19,992
99%20,196
100%20,400
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.