$20,650 Mortgage for 30 Years

What is the monthly payment of a 20,650 dollar loan?
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Loan Tables for a $20,650 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 21k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $20,650 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
20,650 at 2.01%$76.43
20,650 at 2.02%$76.53
20,650 at 2.03%$76.64
20,650 at 2.04%$76.74
20,650 at 2.05%$76.84
20,650 at 2.06%$76.95
20,650 at 2.07%$77.05
20,650 at 2.08%$77.16
20,650 at 2.09%$77.26
20,650 at 2.1%$77.36
20,650 at 2.11%$77.47
20,650 at 2.12%$77.57
20,650 at 2.13%$77.68
20,650 at 2.14%$77.78
20,650 at 2.15%$77.88
20,650 at 2.16%$77.99
20,650 at 2.17%$78.09
20,650 at 2.18%$78.20
20,650 at 2.19%$78.30
20,650 at 2.2%$78.41
20,650 at 2.21%$78.51
20,650 at 2.22%$78.62
20,650 at 2.23%$78.72
20,650 at 2.24%$78.83
20,650 at 2.25%$78.93
20,650 at 2.26%$79.04
20,650 at 2.27%$79.14
20,650 at 2.28%$79.25
20,650 at 2.29%$79.36
20,650 at 2.3%$79.46
20,650 at 2.31%$79.57
20,650 at 2.32%$79.67
20,650 at 2.33%$79.78
20,650 at 2.34%$79.89
20,650 at 2.35%$79.99
20,650 at 2.36%$80.10
20,650 at 2.37%$80.20
20,650 at 2.38%$80.31
20,650 at 2.39%$80.42
20,650 at 2.4%$80.52
20,650 at 2.41%$80.63
20,650 at 2.42%$80.74
20,650 at 2.43%$80.84
20,650 at 2.44%$80.95
20,650 at 2.45%$81.06
20,650 at 2.46%$81.16
20,650 at 2.47%$81.27
20,650 at 2.48%$81.38
20,650 at 2.49%$81.49
20,650 at 2.5%$81.59
20,650 at 2.51%$81.70
20,650 at 2.52%$81.81
20,650 at 2.53%$81.91
20,650 at 2.54%$82.02
20,650 at 2.55%$82.13
20,650 at 2.56%$82.24
20,650 at 2.57%$82.35
20,650 at 2.58%$82.45
20,650 at 2.59%$82.56
20,650 at 2.6%$82.67
20,650 at 2.61%$82.78
20,650 at 2.62%$82.89
20,650 at 2.63%$83.00
20,650 at 2.64%$83.10
20,650 at 2.65%$83.21
20,650 at 2.66%$83.32
20,650 at 2.67%$83.43
20,650 at 2.68%$83.54
20,650 at 2.69%$83.65
20,650 at 2.7%$83.76
20,650 at 2.71%$83.86
20,650 at 2.72%$83.97
20,650 at 2.73%$84.08
20,650 at 2.74%$84.19
20,650 at 2.75%$84.30
20,650 at 2.76%$84.41
20,650 at 2.77%$84.52
20,650 at 2.78%$84.63
20,650 at 2.79%$84.74
20,650 at 2.8%$84.85
20,650 at 2.81%$84.96
20,650 at 2.82%$85.07
20,650 at 2.83%$85.18
20,650 at 2.84%$85.29
20,650 at 2.85%$85.40
20,650 at 2.86%$85.51
20,650 at 2.87%$85.62
20,650 at 2.88%$85.73
20,650 at 2.89%$85.84
20,650 at 2.9%$85.95
20,650 at 2.91%$86.06
20,650 at 2.92%$86.17
20,650 at 2.93%$86.28
20,650 at 2.94%$86.39
20,650 at 2.95%$86.51
20,650 at 2.96%$86.62
20,650 at 2.97%$86.73
20,650 at 2.98%$86.84
20,650 at 2.99%$86.95
20,650 at 3%$87.06
20,650 at 3.01%$87.17
20,650 at 3.02%$87.28
20,650 at 3.03%$87.40
20,650 at 3.04%$87.51
20,650 at 3.05%$87.62
20,650 at 3.06%$87.73
20,650 at 3.07%$87.84
20,650 at 3.08%$87.95
20,650 at 3.09%$88.07
20,650 at 3.1%$88.18
20,650 at 3.11%$88.29
20,650 at 3.12%$88.40
20,650 at 3.13%$88.52
20,650 at 3.14%$88.63
20,650 at 3.15%$88.74
20,650 at 3.16%$88.85
20,650 at 3.17%$88.97
20,650 at 3.18%$89.08
20,650 at 3.19%$89.19
20,650 at 3.2%$89.30
20,650 at 3.21%$89.42
20,650 at 3.22%$89.53
20,650 at 3.23%$89.64
20,650 at 3.24%$89.76
20,650 at 3.25%$89.87
20,650 at 3.26%$89.98
20,650 at 3.27%$90.10
20,650 at 3.28%$90.21
20,650 at 3.29%$90.32
20,650 at 3.3%$90.44
20,650 at 3.31%$90.55
20,650 at 3.32%$90.67
20,650 at 3.33%$90.78
20,650 at 3.34%$90.89
20,650 at 3.35%$91.01
20,650 at 3.36%$91.12
20,650 at 3.37%$91.24
20,650 at 3.38%$91.35
20,650 at 3.39%$91.46
20,650 at 3.4%$91.58
20,650 at 3.41%$91.69
20,650 at 3.42%$91.81
20,650 at 3.43%$91.92
20,650 at 3.44%$92.04
20,650 at 3.45%$92.15
20,650 at 3.46%$92.27
20,650 at 3.47%$92.38
20,650 at 3.48%$92.50
20,650 at 3.49%$92.61
20,650 at 3.5%$92.73
Interest Rate 30 Year
20,650 at 3.51%$92.84
20,650 at 3.52%$92.96
20,650 at 3.53%$93.07
20,650 at 3.54%$93.19
20,650 at 3.55%$93.31
20,650 at 3.56%$93.42
20,650 at 3.57%$93.54
20,650 at 3.58%$93.65
20,650 at 3.59%$93.77
20,650 at 3.6%$93.88
20,650 at 3.61%$94.00
20,650 at 3.62%$94.12
20,650 at 3.63%$94.23
20,650 at 3.64%$94.35
20,650 at 3.65%$94.47
20,650 at 3.66%$94.58
20,650 at 3.67%$94.70
20,650 at 3.68%$94.81
20,650 at 3.69%$94.93
20,650 at 3.7%$95.05
20,650 at 3.71%$95.17
20,650 at 3.72%$95.28
20,650 at 3.73%$95.40
20,650 at 3.74%$95.52
20,650 at 3.75%$95.63
20,650 at 3.76%$95.75
20,650 at 3.77%$95.87
20,650 at 3.78%$95.99
20,650 at 3.79%$96.10
20,650 at 3.8%$96.22
20,650 at 3.81%$96.34
20,650 at 3.82%$96.46
20,650 at 3.83%$96.57
20,650 at 3.84%$96.69
20,650 at 3.85%$96.81
20,650 at 3.86%$96.93
20,650 at 3.87%$97.04
20,650 at 3.88%$97.16
20,650 at 3.89%$97.28
20,650 at 3.9%$97.40
20,650 at 3.91%$97.52
20,650 at 3.92%$97.64
20,650 at 3.93%$97.75
20,650 at 3.94%$97.87
20,650 at 3.95%$97.99
20,650 at 3.96%$98.11
20,650 at 3.97%$98.23
20,650 at 3.98%$98.35
20,650 at 3.99%$98.47
20,650 at 4%$98.59
20,650 at 4.01%$98.71
20,650 at 4.02%$98.82
20,650 at 4.03%$98.94
20,650 at 4.04%$99.06
20,650 at 4.05%$99.18
20,650 at 4.06%$99.30
20,650 at 4.07%$99.42
20,650 at 4.08%$99.54
20,650 at 4.09%$99.66
20,650 at 4.1%$99.78
20,650 at 4.11%$99.90
20,650 at 4.12%$100.02
20,650 at 4.13%$100.14
20,650 at 4.14%$100.26
20,650 at 4.15%$100.38
20,650 at 4.16%$100.50
20,650 at 4.17%$100.62
20,650 at 4.18%$100.74
20,650 at 4.19%$100.86
20,650 at 4.2%$100.98
20,650 at 4.21%$101.10
20,650 at 4.22%$101.22
20,650 at 4.23%$101.34
20,650 at 4.24%$101.46
20,650 at 4.25%$101.59
20,650 at 4.26%$101.71
20,650 at 4.27%$101.83
20,650 at 4.28%$101.95
20,650 at 4.29%$102.07
20,650 at 4.3%$102.19
20,650 at 4.31%$102.31
20,650 at 4.32%$102.43
20,650 at 4.33%$102.56
20,650 at 4.34%$102.68
20,650 at 4.35%$102.80
20,650 at 4.36%$102.92
20,650 at 4.37%$103.04
20,650 at 4.38%$103.16
20,650 at 4.39%$103.29
20,650 at 4.4%$103.41
20,650 at 4.41%$103.53
20,650 at 4.42%$103.65
20,650 at 4.43%$103.77
20,650 at 4.44%$103.90
20,650 at 4.45%$104.02
20,650 at 4.46%$104.14
20,650 at 4.47%$104.26
20,650 at 4.48%$104.39
20,650 at 4.49%$104.51
20,650 at 4.5%$104.63
20,650 at 4.51%$104.75
20,650 at 4.52%$104.88
20,650 at 4.53%$105.00
20,650 at 4.54%$105.12
20,650 at 4.55%$105.24
20,650 at 4.56%$105.37
20,650 at 4.57%$105.49
20,650 at 4.58%$105.61
20,650 at 4.59%$105.74
20,650 at 4.6%$105.86
20,650 at 4.61%$105.98
20,650 at 4.62%$106.11
20,650 at 4.63%$106.23
20,650 at 4.64%$106.36
20,650 at 4.65%$106.48
20,650 at 4.66%$106.60
20,650 at 4.67%$106.73
20,650 at 4.68%$106.85
20,650 at 4.69%$106.97
20,650 at 4.7%$107.10
20,650 at 4.71%$107.22
20,650 at 4.72%$107.35
20,650 at 4.73%$107.47
20,650 at 4.74%$107.60
20,650 at 4.75%$107.72
20,650 at 4.76%$107.84
20,650 at 4.77%$107.97
20,650 at 4.78%$108.09
20,650 at 4.79%$108.22
20,650 at 4.8%$108.34
20,650 at 4.81%$108.47
20,650 at 4.82%$108.59
20,650 at 4.83%$108.72
20,650 at 4.84%$108.84
20,650 at 4.85%$108.97
20,650 at 4.86%$109.09
20,650 at 4.87%$109.22
20,650 at 4.88%$109.34
20,650 at 4.89%$109.47
20,650 at 4.9%$109.60
20,650 at 4.91%$109.72
20,650 at 4.92%$109.85
20,650 at 4.93%$109.97
20,650 at 4.94%$110.10
20,650 at 4.95%$110.22
20,650 at 4.96%$110.35
20,650 at 4.97%$110.48
20,650 at 4.98%$110.60
20,650 at 4.99%$110.73
20,650 at 5%$110.85
Interest Rate 30 Year
20,650 at 5.01%$110.98
20,650 at 5.02%$111.11
20,650 at 5.03%$111.23
20,650 at 5.04%$111.36
20,650 at 5.05%$111.49
20,650 at 5.06%$111.61
20,650 at 5.07%$111.74
20,650 at 5.08%$111.87
20,650 at 5.09%$111.99
20,650 at 5.1%$112.12
20,650 at 5.11%$112.25
20,650 at 5.12%$112.37
20,650 at 5.13%$112.50
20,650 at 5.14%$112.63
20,650 at 5.15%$112.75
20,650 at 5.16%$112.88
20,650 at 5.17%$113.01
20,650 at 5.18%$113.14
20,650 at 5.19%$113.26
20,650 at 5.2%$113.39
20,650 at 5.21%$113.52
20,650 at 5.22%$113.65
20,650 at 5.23%$113.77
20,650 at 5.24%$113.90
20,650 at 5.25%$114.03
20,650 at 5.26%$114.16
20,650 at 5.27%$114.29
20,650 at 5.28%$114.41
20,650 at 5.29%$114.54
20,650 at 5.3%$114.67
20,650 at 5.31%$114.80
20,650 at 5.32%$114.93
20,650 at 5.33%$115.06
20,650 at 5.34%$115.18
20,650 at 5.35%$115.31
20,650 at 5.36%$115.44
20,650 at 5.37%$115.57
20,650 at 5.38%$115.70
20,650 at 5.39%$115.83
20,650 at 5.4%$115.96
20,650 at 5.41%$116.09
20,650 at 5.42%$116.21
20,650 at 5.43%$116.34
20,650 at 5.44%$116.47
20,650 at 5.45%$116.60
20,650 at 5.46%$116.73
20,650 at 5.47%$116.86
20,650 at 5.48%$116.99
20,650 at 5.49%$117.12
20,650 at 5.5%$117.25
20,650 at 5.51%$117.38
20,650 at 5.52%$117.51
20,650 at 5.53%$117.64
20,650 at 5.54%$117.77
20,650 at 5.55%$117.90
20,650 at 5.56%$118.03
20,650 at 5.57%$118.16
20,650 at 5.58%$118.29
20,650 at 5.59%$118.42
20,650 at 5.6%$118.55
20,650 at 5.61%$118.68
20,650 at 5.62%$118.81
20,650 at 5.63%$118.94
20,650 at 5.64%$119.07
20,650 at 5.65%$119.20
20,650 at 5.66%$119.33
20,650 at 5.67%$119.46
20,650 at 5.68%$119.59
20,650 at 5.69%$119.72
20,650 at 5.7%$119.85
20,650 at 5.71%$119.98
20,650 at 5.72%$120.11
20,650 at 5.73%$120.25
20,650 at 5.74%$120.38
20,650 at 5.75%$120.51
20,650 at 5.76%$120.64
20,650 at 5.77%$120.77
20,650 at 5.78%$120.90
20,650 at 5.79%$121.03
20,650 at 5.8%$121.16
20,650 at 5.81%$121.30
20,650 at 5.82%$121.43
20,650 at 5.83%$121.56
20,650 at 5.84%$121.69
20,650 at 5.85%$121.82
20,650 at 5.86%$121.95
20,650 at 5.87%$122.09
20,650 at 5.88%$122.22
20,650 at 5.89%$122.35
20,650 at 5.9%$122.48
20,650 at 5.91%$122.61
20,650 at 5.92%$122.75
20,650 at 5.93%$122.88
20,650 at 5.94%$123.01
20,650 at 5.95%$123.14
20,650 at 5.96%$123.28
20,650 at 5.97%$123.41
20,650 at 5.98%$123.54
20,650 at 5.99%$123.67
20,650 at 6%$123.81
20,650 at 6.01%$123.94
20,650 at 6.02%$124.07
20,650 at 6.03%$124.21
20,650 at 6.04%$124.34
20,650 at 6.05%$124.47
20,650 at 6.06%$124.60
20,650 at 6.07%$124.74
20,650 at 6.08%$124.87
20,650 at 6.09%$125.00
20,650 at 6.1%$125.14
20,650 at 6.11%$125.27
20,650 at 6.12%$125.40
20,650 at 6.13%$125.54
20,650 at 6.14%$125.67
20,650 at 6.15%$125.81
20,650 at 6.16%$125.94
20,650 at 6.17%$126.07
20,650 at 6.18%$126.21
20,650 at 6.19%$126.34
20,650 at 6.2%$126.47
20,650 at 6.21%$126.61
20,650 at 6.22%$126.74
20,650 at 6.23%$126.88
20,650 at 6.24%$127.01
20,650 at 6.25%$127.15
20,650 at 6.26%$127.28
20,650 at 6.27%$127.41
20,650 at 6.28%$127.55
20,650 at 6.29%$127.68
20,650 at 6.3%$127.82
20,650 at 6.31%$127.95
20,650 at 6.32%$128.09
20,650 at 6.33%$128.22
20,650 at 6.34%$128.36
20,650 at 6.35%$128.49
20,650 at 6.36%$128.63
20,650 at 6.37%$128.76
20,650 at 6.38%$128.90
20,650 at 6.39%$129.03
20,650 at 6.4%$129.17
20,650 at 6.41%$129.30
20,650 at 6.42%$129.44
20,650 at 6.43%$129.57
20,650 at 6.44%$129.71
20,650 at 6.45%$129.84
20,650 at 6.46%$129.98
20,650 at 6.47%$130.11
20,650 at 6.48%$130.25
20,650 at 6.49%$130.39
20,650 at 6.5%$130.52
Interest Rate 30 Year
20,650 at 6.51%$130.66
20,650 at 6.52%$130.79
20,650 at 6.53%$130.93
20,650 at 6.54%$131.07
20,650 at 6.55%$131.20
20,650 at 6.56%$131.34
20,650 at 6.57%$131.47
20,650 at 6.58%$131.61
20,650 at 6.59%$131.75
20,650 at 6.6%$131.88
20,650 at 6.61%$132.02
20,650 at 6.62%$132.16
20,650 at 6.63%$132.29
20,650 at 6.64%$132.43
20,650 at 6.65%$132.57
20,650 at 6.66%$132.70
20,650 at 6.67%$132.84
20,650 at 6.68%$132.98
20,650 at 6.69%$133.11
20,650 at 6.7%$133.25
20,650 at 6.71%$133.39
20,650 at 6.72%$133.52
20,650 at 6.73%$133.66
20,650 at 6.74%$133.80
20,650 at 6.75%$133.94
20,650 at 6.76%$134.07
20,650 at 6.77%$134.21
20,650 at 6.78%$134.35
20,650 at 6.79%$134.49
20,650 at 6.8%$134.62
20,650 at 6.81%$134.76
20,650 at 6.82%$134.90
20,650 at 6.83%$135.04
20,650 at 6.84%$135.17
20,650 at 6.85%$135.31
20,650 at 6.86%$135.45
20,650 at 6.87%$135.59
20,650 at 6.88%$135.72
20,650 at 6.89%$135.86
20,650 at 6.9%$136.00
20,650 at 6.91%$136.14
20,650 at 6.92%$136.28
20,650 at 6.93%$136.42
20,650 at 6.94%$136.55
20,650 at 6.95%$136.69
20,650 at 6.96%$136.83
20,650 at 6.97%$136.97
20,650 at 6.98%$137.11
20,650 at 6.99%$137.25
20,650 at 7%$137.38
20,650 at 7.01%$137.52
20,650 at 7.02%$137.66
20,650 at 7.03%$137.80
20,650 at 7.04%$137.94
20,650 at 7.05%$138.08
20,650 at 7.06%$138.22
20,650 at 7.07%$138.36
20,650 at 7.08%$138.50
20,650 at 7.09%$138.64
20,650 at 7.1%$138.77
20,650 at 7.11%$138.91
20,650 at 7.12%$139.05
20,650 at 7.13%$139.19
20,650 at 7.14%$139.33
20,650 at 7.15%$139.47
20,650 at 7.16%$139.61
20,650 at 7.17%$139.75
20,650 at 7.18%$139.89
20,650 at 7.19%$140.03
20,650 at 7.2%$140.17
20,650 at 7.21%$140.31
20,650 at 7.22%$140.45
20,650 at 7.23%$140.59
20,650 at 7.24%$140.73
20,650 at 7.25%$140.87
20,650 at 7.26%$141.01
20,650 at 7.27%$141.15
20,650 at 7.28%$141.29
20,650 at 7.29%$141.43
20,650 at 7.3%$141.57
20,650 at 7.31%$141.71
20,650 at 7.32%$141.85
20,650 at 7.33%$141.99
20,650 at 7.34%$142.13
20,650 at 7.35%$142.27
20,650 at 7.36%$142.41
20,650 at 7.37%$142.55
20,650 at 7.38%$142.69
20,650 at 7.39%$142.84
20,650 at 7.4%$142.98
20,650 at 7.41%$143.12
20,650 at 7.42%$143.26
20,650 at 7.43%$143.40
20,650 at 7.44%$143.54
20,650 at 7.45%$143.68
20,650 at 7.46%$143.82
20,650 at 7.47%$143.96
20,650 at 7.48%$144.11
20,650 at 7.49%$144.25
20,650 at 7.5%$144.39
20,650 at 7.51%$144.53
20,650 at 7.52%$144.67
20,650 at 7.53%$144.81
20,650 at 7.54%$144.95
20,650 at 7.55%$145.10
20,650 at 7.56%$145.24
20,650 at 7.57%$145.38
20,650 at 7.58%$145.52
20,650 at 7.59%$145.66
20,650 at 7.6%$145.80
20,650 at 7.61%$145.95
20,650 at 7.62%$146.09
20,650 at 7.63%$146.23
20,650 at 7.64%$146.37
20,650 at 7.65%$146.51
20,650 at 7.66%$146.66
20,650 at 7.67%$146.80
20,650 at 7.68%$146.94
20,650 at 7.69%$147.08
20,650 at 7.7%$147.23
20,650 at 7.71%$147.37
20,650 at 7.72%$147.51
20,650 at 7.73%$147.65
20,650 at 7.74%$147.80
20,650 at 7.75%$147.94
20,650 at 7.76%$148.08
20,650 at 7.77%$148.22
20,650 at 7.78%$148.37
20,650 at 7.79%$148.51
20,650 at 7.8%$148.65
20,650 at 7.81%$148.80
20,650 at 7.82%$148.94
20,650 at 7.83%$149.08
20,650 at 7.84%$149.23
20,650 at 7.85%$149.37
20,650 at 7.86%$149.51
20,650 at 7.87%$149.66
20,650 at 7.88%$149.80
20,650 at 7.89%$149.94
20,650 at 7.9%$150.09
20,650 at 7.91%$150.23
20,650 at 7.92%$150.37
20,650 at 7.93%$150.52
20,650 at 7.94%$150.66
20,650 at 7.95%$150.80
20,650 at 7.96%$150.95
20,650 at 7.97%$151.09
20,650 at 7.98%$151.23
20,650 at 7.99%$151.38
20,650 at 8%$151.52
More Amounts
What is the down payment for a $20,650 house? How much do you need to put down?
Percent Down Down Payment
1%207
2%413
3%620
4%826
5%1,033
6%1,239
7%1,446
8%1,652
9%1,859
10%2,065
11%2,272
12%2,478
13%2,685
14%2,891
15%3,098
16%3,304
17%3,511
18%3,717
19%3,924
20%4,130
Percent Down Down Payment
21%4,337
22%4,543
23%4,750
24%4,956
25%5,163
26%5,369
27%5,576
28%5,782
29%5,989
30%6,195
31%6,402
32%6,608
33%6,815
34%7,021
35%7,228
36%7,434
37%7,641
38%7,847
39%8,054
40%8,260
Percent Down Down Payment
41%8,467
42%8,673
43%8,880
44%9,086
45%9,293
46%9,499
47%9,706
48%9,912
49%10,119
50%10,325
51%10,532
52%10,738
53%10,945
54%11,151
55%11,358
56%11,564
57%11,771
58%11,977
59%12,184
60%12,390
Percent Down Down Payment
61%12,597
62%12,803
63%13,010
64%13,216
65%13,423
66%13,629
67%13,836
68%14,042
69%14,249
70%14,455
71%14,662
72%14,868
73%15,075
74%15,281
75%15,488
76%15,694
77%15,901
78%16,107
79%16,314
80%16,520
Percent Down Down Payment
81%16,727
82%16,933
83%17,140
84%17,346
85%17,553
86%17,759
87%17,966
88%18,172
89%18,379
90%18,585
91%18,792
92%18,998
93%19,205
94%19,411
95%19,618
96%19,824
97%20,031
98%20,237
99%20,444
100%20,650
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.