$20,750 Mortgage for 30 Years

What is the monthly payment of a 20,750 dollar loan?
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Loan Tables for a $20,750 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 $20,750 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
20,750 at 2.01%$76.80
20,750 at 2.02%$76.90
20,750 at 2.03%$77.01
20,750 at 2.04%$77.11
20,750 at 2.05%$77.22
20,750 at 2.06%$77.32
20,750 at 2.07%$77.42
20,750 at 2.08%$77.53
20,750 at 2.09%$77.63
20,750 at 2.1%$77.74
20,750 at 2.11%$77.84
20,750 at 2.12%$77.95
20,750 at 2.13%$78.05
20,750 at 2.14%$78.16
20,750 at 2.15%$78.26
20,750 at 2.16%$78.37
20,750 at 2.17%$78.47
20,750 at 2.18%$78.58
20,750 at 2.19%$78.68
20,750 at 2.2%$78.79
20,750 at 2.21%$78.89
20,750 at 2.22%$79.00
20,750 at 2.23%$79.10
20,750 at 2.24%$79.21
20,750 at 2.25%$79.32
20,750 at 2.26%$79.42
20,750 at 2.27%$79.53
20,750 at 2.28%$79.63
20,750 at 2.29%$79.74
20,750 at 2.3%$79.85
20,750 at 2.31%$79.95
20,750 at 2.32%$80.06
20,750 at 2.33%$80.17
20,750 at 2.34%$80.27
20,750 at 2.35%$80.38
20,750 at 2.36%$80.49
20,750 at 2.37%$80.59
20,750 at 2.38%$80.70
20,750 at 2.39%$80.81
20,750 at 2.4%$80.91
20,750 at 2.41%$81.02
20,750 at 2.42%$81.13
20,750 at 2.43%$81.23
20,750 at 2.44%$81.34
20,750 at 2.45%$81.45
20,750 at 2.46%$81.56
20,750 at 2.47%$81.66
20,750 at 2.48%$81.77
20,750 at 2.49%$81.88
20,750 at 2.5%$81.99
20,750 at 2.51%$82.10
20,750 at 2.52%$82.20
20,750 at 2.53%$82.31
20,750 at 2.54%$82.42
20,750 at 2.55%$82.53
20,750 at 2.56%$82.64
20,750 at 2.57%$82.74
20,750 at 2.58%$82.85
20,750 at 2.59%$82.96
20,750 at 2.6%$83.07
20,750 at 2.61%$83.18
20,750 at 2.62%$83.29
20,750 at 2.63%$83.40
20,750 at 2.64%$83.51
20,750 at 2.65%$83.61
20,750 at 2.66%$83.72
20,750 at 2.67%$83.83
20,750 at 2.68%$83.94
20,750 at 2.69%$84.05
20,750 at 2.7%$84.16
20,750 at 2.71%$84.27
20,750 at 2.72%$84.38
20,750 at 2.73%$84.49
20,750 at 2.74%$84.60
20,750 at 2.75%$84.71
20,750 at 2.76%$84.82
20,750 at 2.77%$84.93
20,750 at 2.78%$85.04
20,750 at 2.79%$85.15
20,750 at 2.8%$85.26
20,750 at 2.81%$85.37
20,750 at 2.82%$85.48
20,750 at 2.83%$85.59
20,750 at 2.84%$85.70
20,750 at 2.85%$85.81
20,750 at 2.86%$85.92
20,750 at 2.87%$86.03
20,750 at 2.88%$86.15
20,750 at 2.89%$86.26
20,750 at 2.9%$86.37
20,750 at 2.91%$86.48
20,750 at 2.92%$86.59
20,750 at 2.93%$86.70
20,750 at 2.94%$86.81
20,750 at 2.95%$86.92
20,750 at 2.96%$87.04
20,750 at 2.97%$87.15
20,750 at 2.98%$87.26
20,750 at 2.99%$87.37
20,750 at 3%$87.48
20,750 at 3.01%$87.59
20,750 at 3.02%$87.71
20,750 at 3.03%$87.82
20,750 at 3.04%$87.93
20,750 at 3.05%$88.04
20,750 at 3.06%$88.16
20,750 at 3.07%$88.27
20,750 at 3.08%$88.38
20,750 at 3.09%$88.49
20,750 at 3.1%$88.61
20,750 at 3.11%$88.72
20,750 at 3.12%$88.83
20,750 at 3.13%$88.94
20,750 at 3.14%$89.06
20,750 at 3.15%$89.17
20,750 at 3.16%$89.28
20,750 at 3.17%$89.40
20,750 at 3.18%$89.51
20,750 at 3.19%$89.62
20,750 at 3.2%$89.74
20,750 at 3.21%$89.85
20,750 at 3.22%$89.96
20,750 at 3.23%$90.08
20,750 at 3.24%$90.19
20,750 at 3.25%$90.31
20,750 at 3.26%$90.42
20,750 at 3.27%$90.53
20,750 at 3.28%$90.65
20,750 at 3.29%$90.76
20,750 at 3.3%$90.88
20,750 at 3.31%$90.99
20,750 at 3.32%$91.10
20,750 at 3.33%$91.22
20,750 at 3.34%$91.33
20,750 at 3.35%$91.45
20,750 at 3.36%$91.56
20,750 at 3.37%$91.68
20,750 at 3.38%$91.79
20,750 at 3.39%$91.91
20,750 at 3.4%$92.02
20,750 at 3.41%$92.14
20,750 at 3.42%$92.25
20,750 at 3.43%$92.37
20,750 at 3.44%$92.48
20,750 at 3.45%$92.60
20,750 at 3.46%$92.71
20,750 at 3.47%$92.83
20,750 at 3.48%$92.95
20,750 at 3.49%$93.06
20,750 at 3.5%$93.18
Interest Rate 30 Year
20,750 at 3.51%$93.29
20,750 at 3.52%$93.41
20,750 at 3.53%$93.52
20,750 at 3.54%$93.64
20,750 at 3.55%$93.76
20,750 at 3.56%$93.87
20,750 at 3.57%$93.99
20,750 at 3.58%$94.11
20,750 at 3.59%$94.22
20,750 at 3.6%$94.34
20,750 at 3.61%$94.46
20,750 at 3.62%$94.57
20,750 at 3.63%$94.69
20,750 at 3.64%$94.81
20,750 at 3.65%$94.92
20,750 at 3.66%$95.04
20,750 at 3.67%$95.16
20,750 at 3.68%$95.27
20,750 at 3.69%$95.39
20,750 at 3.7%$95.51
20,750 at 3.71%$95.63
20,750 at 3.72%$95.74
20,750 at 3.73%$95.86
20,750 at 3.74%$95.98
20,750 at 3.75%$96.10
20,750 at 3.76%$96.21
20,750 at 3.77%$96.33
20,750 at 3.78%$96.45
20,750 at 3.79%$96.57
20,750 at 3.8%$96.69
20,750 at 3.81%$96.80
20,750 at 3.82%$96.92
20,750 at 3.83%$97.04
20,750 at 3.84%$97.16
20,750 at 3.85%$97.28
20,750 at 3.86%$97.40
20,750 at 3.87%$97.51
20,750 at 3.88%$97.63
20,750 at 3.89%$97.75
20,750 at 3.9%$97.87
20,750 at 3.91%$97.99
20,750 at 3.92%$98.11
20,750 at 3.93%$98.23
20,750 at 3.94%$98.35
20,750 at 3.95%$98.47
20,750 at 3.96%$98.59
20,750 at 3.97%$98.71
20,750 at 3.98%$98.82
20,750 at 3.99%$98.94
20,750 at 4%$99.06
20,750 at 4.01%$99.18
20,750 at 4.02%$99.30
20,750 at 4.03%$99.42
20,750 at 4.04%$99.54
20,750 at 4.05%$99.66
20,750 at 4.06%$99.78
20,750 at 4.07%$99.90
20,750 at 4.08%$100.02
20,750 at 4.09%$100.14
20,750 at 4.1%$100.26
20,750 at 4.11%$100.38
20,750 at 4.12%$100.50
20,750 at 4.13%$100.63
20,750 at 4.14%$100.75
20,750 at 4.15%$100.87
20,750 at 4.16%$100.99
20,750 at 4.17%$101.11
20,750 at 4.18%$101.23
20,750 at 4.19%$101.35
20,750 at 4.2%$101.47
20,750 at 4.21%$101.59
20,750 at 4.22%$101.71
20,750 at 4.23%$101.83
20,750 at 4.24%$101.96
20,750 at 4.25%$102.08
20,750 at 4.26%$102.20
20,750 at 4.27%$102.32
20,750 at 4.28%$102.44
20,750 at 4.29%$102.56
20,750 at 4.3%$102.69
20,750 at 4.31%$102.81
20,750 at 4.32%$102.93
20,750 at 4.33%$103.05
20,750 at 4.34%$103.17
20,750 at 4.35%$103.30
20,750 at 4.36%$103.42
20,750 at 4.37%$103.54
20,750 at 4.38%$103.66
20,750 at 4.39%$103.79
20,750 at 4.4%$103.91
20,750 at 4.41%$104.03
20,750 at 4.42%$104.15
20,750 at 4.43%$104.28
20,750 at 4.44%$104.40
20,750 at 4.45%$104.52
20,750 at 4.46%$104.64
20,750 at 4.47%$104.77
20,750 at 4.48%$104.89
20,750 at 4.49%$105.01
20,750 at 4.5%$105.14
20,750 at 4.51%$105.26
20,750 at 4.52%$105.38
20,750 at 4.53%$105.51
20,750 at 4.54%$105.63
20,750 at 4.55%$105.75
20,750 at 4.56%$105.88
20,750 at 4.57%$106.00
20,750 at 4.58%$106.13
20,750 at 4.59%$106.25
20,750 at 4.6%$106.37
20,750 at 4.61%$106.50
20,750 at 4.62%$106.62
20,750 at 4.63%$106.75
20,750 at 4.64%$106.87
20,750 at 4.65%$106.99
20,750 at 4.66%$107.12
20,750 at 4.67%$107.24
20,750 at 4.68%$107.37
20,750 at 4.69%$107.49
20,750 at 4.7%$107.62
20,750 at 4.71%$107.74
20,750 at 4.72%$107.87
20,750 at 4.73%$107.99
20,750 at 4.74%$108.12
20,750 at 4.75%$108.24
20,750 at 4.76%$108.37
20,750 at 4.77%$108.49
20,750 at 4.78%$108.62
20,750 at 4.79%$108.74
20,750 at 4.8%$108.87
20,750 at 4.81%$108.99
20,750 at 4.82%$109.12
20,750 at 4.83%$109.24
20,750 at 4.84%$109.37
20,750 at 4.85%$109.50
20,750 at 4.86%$109.62
20,750 at 4.87%$109.75
20,750 at 4.88%$109.87
20,750 at 4.89%$110.00
20,750 at 4.9%$110.13
20,750 at 4.91%$110.25
20,750 at 4.92%$110.38
20,750 at 4.93%$110.50
20,750 at 4.94%$110.63
20,750 at 4.95%$110.76
20,750 at 4.96%$110.88
20,750 at 4.97%$111.01
20,750 at 4.98%$111.14
20,750 at 4.99%$111.26
20,750 at 5%$111.39
Interest Rate 30 Year
20,750 at 5.01%$111.52
20,750 at 5.02%$111.64
20,750 at 5.03%$111.77
20,750 at 5.04%$111.90
20,750 at 5.05%$112.03
20,750 at 5.06%$112.15
20,750 at 5.07%$112.28
20,750 at 5.08%$112.41
20,750 at 5.09%$112.53
20,750 at 5.1%$112.66
20,750 at 5.11%$112.79
20,750 at 5.12%$112.92
20,750 at 5.13%$113.04
20,750 at 5.14%$113.17
20,750 at 5.15%$113.30
20,750 at 5.16%$113.43
20,750 at 5.17%$113.56
20,750 at 5.18%$113.68
20,750 at 5.19%$113.81
20,750 at 5.2%$113.94
20,750 at 5.21%$114.07
20,750 at 5.22%$114.20
20,750 at 5.23%$114.33
20,750 at 5.24%$114.45
20,750 at 5.25%$114.58
20,750 at 5.26%$114.71
20,750 at 5.27%$114.84
20,750 at 5.28%$114.97
20,750 at 5.29%$115.10
20,750 at 5.3%$115.23
20,750 at 5.31%$115.35
20,750 at 5.32%$115.48
20,750 at 5.33%$115.61
20,750 at 5.34%$115.74
20,750 at 5.35%$115.87
20,750 at 5.36%$116.00
20,750 at 5.37%$116.13
20,750 at 5.38%$116.26
20,750 at 5.39%$116.39
20,750 at 5.4%$116.52
20,750 at 5.41%$116.65
20,750 at 5.42%$116.78
20,750 at 5.43%$116.91
20,750 at 5.44%$117.04
20,750 at 5.45%$117.17
20,750 at 5.46%$117.30
20,750 at 5.47%$117.43
20,750 at 5.48%$117.56
20,750 at 5.49%$117.69
20,750 at 5.5%$117.82
20,750 at 5.51%$117.95
20,750 at 5.52%$118.08
20,750 at 5.53%$118.21
20,750 at 5.54%$118.34
20,750 at 5.55%$118.47
20,750 at 5.56%$118.60
20,750 at 5.57%$118.73
20,750 at 5.58%$118.86
20,750 at 5.59%$118.99
20,750 at 5.6%$119.12
20,750 at 5.61%$119.25
20,750 at 5.62%$119.38
20,750 at 5.63%$119.51
20,750 at 5.64%$119.65
20,750 at 5.65%$119.78
20,750 at 5.66%$119.91
20,750 at 5.67%$120.04
20,750 at 5.68%$120.17
20,750 at 5.69%$120.30
20,750 at 5.7%$120.43
20,750 at 5.71%$120.56
20,750 at 5.72%$120.70
20,750 at 5.73%$120.83
20,750 at 5.74%$120.96
20,750 at 5.75%$121.09
20,750 at 5.76%$121.22
20,750 at 5.77%$121.36
20,750 at 5.78%$121.49
20,750 at 5.79%$121.62
20,750 at 5.8%$121.75
20,750 at 5.81%$121.88
20,750 at 5.82%$122.02
20,750 at 5.83%$122.15
20,750 at 5.84%$122.28
20,750 at 5.85%$122.41
20,750 at 5.86%$122.55
20,750 at 5.87%$122.68
20,750 at 5.88%$122.81
20,750 at 5.89%$122.94
20,750 at 5.9%$123.08
20,750 at 5.91%$123.21
20,750 at 5.92%$123.34
20,750 at 5.93%$123.47
20,750 at 5.94%$123.61
20,750 at 5.95%$123.74
20,750 at 5.96%$123.87
20,750 at 5.97%$124.01
20,750 at 5.98%$124.14
20,750 at 5.99%$124.27
20,750 at 6%$124.41
20,750 at 6.01%$124.54
20,750 at 6.02%$124.67
20,750 at 6.03%$124.81
20,750 at 6.04%$124.94
20,750 at 6.05%$125.07
20,750 at 6.06%$125.21
20,750 at 6.07%$125.34
20,750 at 6.08%$125.48
20,750 at 6.09%$125.61
20,750 at 6.1%$125.74
20,750 at 6.11%$125.88
20,750 at 6.12%$126.01
20,750 at 6.13%$126.15
20,750 at 6.14%$126.28
20,750 at 6.15%$126.41
20,750 at 6.16%$126.55
20,750 at 6.17%$126.68
20,750 at 6.18%$126.82
20,750 at 6.19%$126.95
20,750 at 6.2%$127.09
20,750 at 6.21%$127.22
20,750 at 6.22%$127.36
20,750 at 6.23%$127.49
20,750 at 6.24%$127.63
20,750 at 6.25%$127.76
20,750 at 6.26%$127.90
20,750 at 6.27%$128.03
20,750 at 6.28%$128.17
20,750 at 6.29%$128.30
20,750 at 6.3%$128.44
20,750 at 6.31%$128.57
20,750 at 6.32%$128.71
20,750 at 6.33%$128.84
20,750 at 6.34%$128.98
20,750 at 6.35%$129.11
20,750 at 6.36%$129.25
20,750 at 6.37%$129.39
20,750 at 6.38%$129.52
20,750 at 6.39%$129.66
20,750 at 6.4%$129.79
20,750 at 6.41%$129.93
20,750 at 6.42%$130.06
20,750 at 6.43%$130.20
20,750 at 6.44%$130.34
20,750 at 6.45%$130.47
20,750 at 6.46%$130.61
20,750 at 6.47%$130.74
20,750 at 6.48%$130.88
20,750 at 6.49%$131.02
20,750 at 6.5%$131.15
Interest Rate 30 Year
20,750 at 6.51%$131.29
20,750 at 6.52%$131.43
20,750 at 6.53%$131.56
20,750 at 6.54%$131.70
20,750 at 6.55%$131.84
20,750 at 6.56%$131.97
20,750 at 6.57%$132.11
20,750 at 6.58%$132.25
20,750 at 6.59%$132.38
20,750 at 6.6%$132.52
20,750 at 6.61%$132.66
20,750 at 6.62%$132.80
20,750 at 6.63%$132.93
20,750 at 6.64%$133.07
20,750 at 6.65%$133.21
20,750 at 6.66%$133.35
20,750 at 6.67%$133.48
20,750 at 6.68%$133.62
20,750 at 6.69%$133.76
20,750 at 6.7%$133.90
20,750 at 6.71%$134.03
20,750 at 6.72%$134.17
20,750 at 6.73%$134.31
20,750 at 6.74%$134.45
20,750 at 6.75%$134.58
20,750 at 6.76%$134.72
20,750 at 6.77%$134.86
20,750 at 6.78%$135.00
20,750 at 6.79%$135.14
20,750 at 6.8%$135.27
20,750 at 6.81%$135.41
20,750 at 6.82%$135.55
20,750 at 6.83%$135.69
20,750 at 6.84%$135.83
20,750 at 6.85%$135.97
20,750 at 6.86%$136.10
20,750 at 6.87%$136.24
20,750 at 6.88%$136.38
20,750 at 6.89%$136.52
20,750 at 6.9%$136.66
20,750 at 6.91%$136.80
20,750 at 6.92%$136.94
20,750 at 6.93%$137.08
20,750 at 6.94%$137.22
20,750 at 6.95%$137.35
20,750 at 6.96%$137.49
20,750 at 6.97%$137.63
20,750 at 6.98%$137.77
20,750 at 6.99%$137.91
20,750 at 7%$138.05
20,750 at 7.01%$138.19
20,750 at 7.02%$138.33
20,750 at 7.03%$138.47
20,750 at 7.04%$138.61
20,750 at 7.05%$138.75
20,750 at 7.06%$138.89
20,750 at 7.07%$139.03
20,750 at 7.08%$139.17
20,750 at 7.09%$139.31
20,750 at 7.1%$139.45
20,750 at 7.11%$139.59
20,750 at 7.12%$139.73
20,750 at 7.13%$139.87
20,750 at 7.14%$140.01
20,750 at 7.15%$140.15
20,750 at 7.16%$140.29
20,750 at 7.17%$140.43
20,750 at 7.18%$140.57
20,750 at 7.19%$140.71
20,750 at 7.2%$140.85
20,750 at 7.21%$140.99
20,750 at 7.22%$141.13
20,750 at 7.23%$141.27
20,750 at 7.24%$141.41
20,750 at 7.25%$141.55
20,750 at 7.26%$141.69
20,750 at 7.27%$141.83
20,750 at 7.28%$141.97
20,750 at 7.29%$142.11
20,750 at 7.3%$142.26
20,750 at 7.31%$142.40
20,750 at 7.32%$142.54
20,750 at 7.33%$142.68
20,750 at 7.34%$142.82
20,750 at 7.35%$142.96
20,750 at 7.36%$143.10
20,750 at 7.37%$143.24
20,750 at 7.38%$143.39
20,750 at 7.39%$143.53
20,750 at 7.4%$143.67
20,750 at 7.41%$143.81
20,750 at 7.42%$143.95
20,750 at 7.43%$144.09
20,750 at 7.44%$144.24
20,750 at 7.45%$144.38
20,750 at 7.46%$144.52
20,750 at 7.47%$144.66
20,750 at 7.48%$144.80
20,750 at 7.49%$144.94
20,750 at 7.5%$145.09
20,750 at 7.51%$145.23
20,750 at 7.52%$145.37
20,750 at 7.53%$145.51
20,750 at 7.54%$145.66
20,750 at 7.55%$145.80
20,750 at 7.56%$145.94
20,750 at 7.57%$146.08
20,750 at 7.58%$146.23
20,750 at 7.59%$146.37
20,750 at 7.6%$146.51
20,750 at 7.61%$146.65
20,750 at 7.62%$146.80
20,750 at 7.63%$146.94
20,750 at 7.64%$147.08
20,750 at 7.65%$147.22
20,750 at 7.66%$147.37
20,750 at 7.67%$147.51
20,750 at 7.68%$147.65
20,750 at 7.69%$147.80
20,750 at 7.7%$147.94
20,750 at 7.71%$148.08
20,750 at 7.72%$148.23
20,750 at 7.73%$148.37
20,750 at 7.74%$148.51
20,750 at 7.75%$148.66
20,750 at 7.76%$148.80
20,750 at 7.77%$148.94
20,750 at 7.78%$149.09
20,750 at 7.79%$149.23
20,750 at 7.8%$149.37
20,750 at 7.81%$149.52
20,750 at 7.82%$149.66
20,750 at 7.83%$149.80
20,750 at 7.84%$149.95
20,750 at 7.85%$150.09
20,750 at 7.86%$150.24
20,750 at 7.87%$150.38
20,750 at 7.88%$150.52
20,750 at 7.89%$150.67
20,750 at 7.9%$150.81
20,750 at 7.91%$150.96
20,750 at 7.92%$151.10
20,750 at 7.93%$151.24
20,750 at 7.94%$151.39
20,750 at 7.95%$151.53
20,750 at 7.96%$151.68
20,750 at 7.97%$151.82
20,750 at 7.98%$151.97
20,750 at 7.99%$152.11
20,750 at 8%$152.26
More Amounts
What is the down payment for a $20,750 house? How much do you need to put down?
Percent Down Down Payment
1%208
2%415
3%623
4%830
5%1,038
6%1,245
7%1,453
8%1,660
9%1,868
10%2,075
11%2,283
12%2,490
13%2,698
14%2,905
15%3,113
16%3,320
17%3,528
18%3,735
19%3,943
20%4,150
Percent Down Down Payment
21%4,358
22%4,565
23%4,773
24%4,980
25%5,188
26%5,395
27%5,603
28%5,810
29%6,018
30%6,225
31%6,433
32%6,640
33%6,848
34%7,055
35%7,263
36%7,470
37%7,678
38%7,885
39%8,093
40%8,300
Percent Down Down Payment
41%8,508
42%8,715
43%8,923
44%9,130
45%9,338
46%9,545
47%9,753
48%9,960
49%10,168
50%10,375
51%10,583
52%10,790
53%10,998
54%11,205
55%11,413
56%11,620
57%11,828
58%12,035
59%12,243
60%12,450
Percent Down Down Payment
61%12,658
62%12,865
63%13,073
64%13,280
65%13,488
66%13,695
67%13,903
68%14,110
69%14,318
70%14,525
71%14,733
72%14,940
73%15,148
74%15,355
75%15,563
76%15,770
77%15,978
78%16,185
79%16,393
80%16,600
Percent Down Down Payment
81%16,808
82%17,015
83%17,223
84%17,430
85%17,638
86%17,845
87%18,053
88%18,260
89%18,468
90%18,675
91%18,883
92%19,090
93%19,298
94%19,505
95%19,713
96%19,920
97%20,128
98%20,335
99%20,543
100%20,750
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.