$20,800 Mortgage for 30 Years

What is the monthly payment of a 20,800 dollar loan?
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Loan Tables for a $20,800 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 $20,800 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
20,800 at 2.01%$76.98
20,800 at 2.02%$77.09
20,800 at 2.03%$77.19
20,800 at 2.04%$77.30
20,800 at 2.05%$77.40
20,800 at 2.06%$77.51
20,800 at 2.07%$77.61
20,800 at 2.08%$77.72
20,800 at 2.09%$77.82
20,800 at 2.1%$77.93
20,800 at 2.11%$78.03
20,800 at 2.12%$78.14
20,800 at 2.13%$78.24
20,800 at 2.14%$78.35
20,800 at 2.15%$78.45
20,800 at 2.16%$78.56
20,800 at 2.17%$78.66
20,800 at 2.18%$78.77
20,800 at 2.19%$78.87
20,800 at 2.2%$78.98
20,800 at 2.21%$79.08
20,800 at 2.22%$79.19
20,800 at 2.23%$79.30
20,800 at 2.24%$79.40
20,800 at 2.25%$79.51
20,800 at 2.26%$79.61
20,800 at 2.27%$79.72
20,800 at 2.28%$79.83
20,800 at 2.29%$79.93
20,800 at 2.3%$80.04
20,800 at 2.31%$80.15
20,800 at 2.32%$80.25
20,800 at 2.33%$80.36
20,800 at 2.34%$80.47
20,800 at 2.35%$80.57
20,800 at 2.36%$80.68
20,800 at 2.37%$80.79
20,800 at 2.38%$80.89
20,800 at 2.39%$81.00
20,800 at 2.4%$81.11
20,800 at 2.41%$81.22
20,800 at 2.42%$81.32
20,800 at 2.43%$81.43
20,800 at 2.44%$81.54
20,800 at 2.45%$81.65
20,800 at 2.46%$81.75
20,800 at 2.47%$81.86
20,800 at 2.48%$81.97
20,800 at 2.49%$82.08
20,800 at 2.5%$82.19
20,800 at 2.51%$82.29
20,800 at 2.52%$82.40
20,800 at 2.53%$82.51
20,800 at 2.54%$82.62
20,800 at 2.55%$82.73
20,800 at 2.56%$82.84
20,800 at 2.57%$82.94
20,800 at 2.58%$83.05
20,800 at 2.59%$83.16
20,800 at 2.6%$83.27
20,800 at 2.61%$83.38
20,800 at 2.62%$83.49
20,800 at 2.63%$83.60
20,800 at 2.64%$83.71
20,800 at 2.65%$83.82
20,800 at 2.66%$83.93
20,800 at 2.67%$84.04
20,800 at 2.68%$84.14
20,800 at 2.69%$84.25
20,800 at 2.7%$84.36
20,800 at 2.71%$84.47
20,800 at 2.72%$84.58
20,800 at 2.73%$84.69
20,800 at 2.74%$84.80
20,800 at 2.75%$84.91
20,800 at 2.76%$85.02
20,800 at 2.77%$85.13
20,800 at 2.78%$85.25
20,800 at 2.79%$85.36
20,800 at 2.8%$85.47
20,800 at 2.81%$85.58
20,800 at 2.82%$85.69
20,800 at 2.83%$85.80
20,800 at 2.84%$85.91
20,800 at 2.85%$86.02
20,800 at 2.86%$86.13
20,800 at 2.87%$86.24
20,800 at 2.88%$86.35
20,800 at 2.89%$86.46
20,800 at 2.9%$86.58
20,800 at 2.91%$86.69
20,800 at 2.92%$86.80
20,800 at 2.93%$86.91
20,800 at 2.94%$87.02
20,800 at 2.95%$87.13
20,800 at 2.96%$87.25
20,800 at 2.97%$87.36
20,800 at 2.98%$87.47
20,800 at 2.99%$87.58
20,800 at 3%$87.69
20,800 at 3.01%$87.81
20,800 at 3.02%$87.92
20,800 at 3.03%$88.03
20,800 at 3.04%$88.14
20,800 at 3.05%$88.26
20,800 at 3.06%$88.37
20,800 at 3.07%$88.48
20,800 at 3.08%$88.59
20,800 at 3.09%$88.71
20,800 at 3.1%$88.82
20,800 at 3.11%$88.93
20,800 at 3.12%$89.05
20,800 at 3.13%$89.16
20,800 at 3.14%$89.27
20,800 at 3.15%$89.39
20,800 at 3.16%$89.50
20,800 at 3.17%$89.61
20,800 at 3.18%$89.73
20,800 at 3.19%$89.84
20,800 at 3.2%$89.95
20,800 at 3.21%$90.07
20,800 at 3.22%$90.18
20,800 at 3.23%$90.29
20,800 at 3.24%$90.41
20,800 at 3.25%$90.52
20,800 at 3.26%$90.64
20,800 at 3.27%$90.75
20,800 at 3.28%$90.87
20,800 at 3.29%$90.98
20,800 at 3.3%$91.09
20,800 at 3.31%$91.21
20,800 at 3.32%$91.32
20,800 at 3.33%$91.44
20,800 at 3.34%$91.55
20,800 at 3.35%$91.67
20,800 at 3.36%$91.78
20,800 at 3.37%$91.90
20,800 at 3.38%$92.01
20,800 at 3.39%$92.13
20,800 at 3.4%$92.24
20,800 at 3.41%$92.36
20,800 at 3.42%$92.47
20,800 at 3.43%$92.59
20,800 at 3.44%$92.71
20,800 at 3.45%$92.82
20,800 at 3.46%$92.94
20,800 at 3.47%$93.05
20,800 at 3.48%$93.17
20,800 at 3.49%$93.29
20,800 at 3.5%$93.40
Interest Rate 30 Year
20,800 at 3.51%$93.52
20,800 at 3.52%$93.63
20,800 at 3.53%$93.75
20,800 at 3.54%$93.87
20,800 at 3.55%$93.98
20,800 at 3.56%$94.10
20,800 at 3.57%$94.22
20,800 at 3.58%$94.33
20,800 at 3.59%$94.45
20,800 at 3.6%$94.57
20,800 at 3.61%$94.68
20,800 at 3.62%$94.80
20,800 at 3.63%$94.92
20,800 at 3.64%$95.03
20,800 at 3.65%$95.15
20,800 at 3.66%$95.27
20,800 at 3.67%$95.39
20,800 at 3.68%$95.50
20,800 at 3.69%$95.62
20,800 at 3.7%$95.74
20,800 at 3.71%$95.86
20,800 at 3.72%$95.97
20,800 at 3.73%$96.09
20,800 at 3.74%$96.21
20,800 at 3.75%$96.33
20,800 at 3.76%$96.45
20,800 at 3.77%$96.56
20,800 at 3.78%$96.68
20,800 at 3.79%$96.80
20,800 at 3.8%$96.92
20,800 at 3.81%$97.04
20,800 at 3.82%$97.16
20,800 at 3.83%$97.27
20,800 at 3.84%$97.39
20,800 at 3.85%$97.51
20,800 at 3.86%$97.63
20,800 at 3.87%$97.75
20,800 at 3.88%$97.87
20,800 at 3.89%$97.99
20,800 at 3.9%$98.11
20,800 at 3.91%$98.23
20,800 at 3.92%$98.35
20,800 at 3.93%$98.46
20,800 at 3.94%$98.58
20,800 at 3.95%$98.70
20,800 at 3.96%$98.82
20,800 at 3.97%$98.94
20,800 at 3.98%$99.06
20,800 at 3.99%$99.18
20,800 at 4%$99.30
20,800 at 4.01%$99.42
20,800 at 4.02%$99.54
20,800 at 4.03%$99.66
20,800 at 4.04%$99.78
20,800 at 4.05%$99.90
20,800 at 4.06%$100.02
20,800 at 4.07%$100.14
20,800 at 4.08%$100.26
20,800 at 4.09%$100.38
20,800 at 4.1%$100.51
20,800 at 4.11%$100.63
20,800 at 4.12%$100.75
20,800 at 4.13%$100.87
20,800 at 4.14%$100.99
20,800 at 4.15%$101.11
20,800 at 4.16%$101.23
20,800 at 4.17%$101.35
20,800 at 4.18%$101.47
20,800 at 4.19%$101.59
20,800 at 4.2%$101.72
20,800 at 4.21%$101.84
20,800 at 4.22%$101.96
20,800 at 4.23%$102.08
20,800 at 4.24%$102.20
20,800 at 4.25%$102.32
20,800 at 4.26%$102.45
20,800 at 4.27%$102.57
20,800 at 4.28%$102.69
20,800 at 4.29%$102.81
20,800 at 4.3%$102.93
20,800 at 4.31%$103.06
20,800 at 4.32%$103.18
20,800 at 4.33%$103.30
20,800 at 4.34%$103.42
20,800 at 4.35%$103.54
20,800 at 4.36%$103.67
20,800 at 4.37%$103.79
20,800 at 4.38%$103.91
20,800 at 4.39%$104.04
20,800 at 4.4%$104.16
20,800 at 4.41%$104.28
20,800 at 4.42%$104.40
20,800 at 4.43%$104.53
20,800 at 4.44%$104.65
20,800 at 4.45%$104.77
20,800 at 4.46%$104.90
20,800 at 4.47%$105.02
20,800 at 4.48%$105.14
20,800 at 4.49%$105.27
20,800 at 4.5%$105.39
20,800 at 4.51%$105.51
20,800 at 4.52%$105.64
20,800 at 4.53%$105.76
20,800 at 4.54%$105.89
20,800 at 4.55%$106.01
20,800 at 4.56%$106.13
20,800 at 4.57%$106.26
20,800 at 4.58%$106.38
20,800 at 4.59%$106.51
20,800 at 4.6%$106.63
20,800 at 4.61%$106.75
20,800 at 4.62%$106.88
20,800 at 4.63%$107.00
20,800 at 4.64%$107.13
20,800 at 4.65%$107.25
20,800 at 4.66%$107.38
20,800 at 4.67%$107.50
20,800 at 4.68%$107.63
20,800 at 4.69%$107.75
20,800 at 4.7%$107.88
20,800 at 4.71%$108.00
20,800 at 4.72%$108.13
20,800 at 4.73%$108.25
20,800 at 4.74%$108.38
20,800 at 4.75%$108.50
20,800 at 4.76%$108.63
20,800 at 4.77%$108.75
20,800 at 4.78%$108.88
20,800 at 4.79%$109.00
20,800 at 4.8%$109.13
20,800 at 4.81%$109.26
20,800 at 4.82%$109.38
20,800 at 4.83%$109.51
20,800 at 4.84%$109.63
20,800 at 4.85%$109.76
20,800 at 4.86%$109.89
20,800 at 4.87%$110.01
20,800 at 4.88%$110.14
20,800 at 4.89%$110.26
20,800 at 4.9%$110.39
20,800 at 4.91%$110.52
20,800 at 4.92%$110.64
20,800 at 4.93%$110.77
20,800 at 4.94%$110.90
20,800 at 4.95%$111.02
20,800 at 4.96%$111.15
20,800 at 4.97%$111.28
20,800 at 4.98%$111.40
20,800 at 4.99%$111.53
20,800 at 5%$111.66
Interest Rate 30 Year
20,800 at 5.01%$111.79
20,800 at 5.02%$111.91
20,800 at 5.03%$112.04
20,800 at 5.04%$112.17
20,800 at 5.05%$112.30
20,800 at 5.06%$112.42
20,800 at 5.07%$112.55
20,800 at 5.08%$112.68
20,800 at 5.09%$112.81
20,800 at 5.1%$112.93
20,800 at 5.11%$113.06
20,800 at 5.12%$113.19
20,800 at 5.13%$113.32
20,800 at 5.14%$113.45
20,800 at 5.15%$113.57
20,800 at 5.16%$113.70
20,800 at 5.17%$113.83
20,800 at 5.18%$113.96
20,800 at 5.19%$114.09
20,800 at 5.2%$114.22
20,800 at 5.21%$114.34
20,800 at 5.22%$114.47
20,800 at 5.23%$114.60
20,800 at 5.24%$114.73
20,800 at 5.25%$114.86
20,800 at 5.26%$114.99
20,800 at 5.27%$115.12
20,800 at 5.28%$115.25
20,800 at 5.29%$115.37
20,800 at 5.3%$115.50
20,800 at 5.31%$115.63
20,800 at 5.32%$115.76
20,800 at 5.33%$115.89
20,800 at 5.34%$116.02
20,800 at 5.35%$116.15
20,800 at 5.36%$116.28
20,800 at 5.37%$116.41
20,800 at 5.38%$116.54
20,800 at 5.39%$116.67
20,800 at 5.4%$116.80
20,800 at 5.41%$116.93
20,800 at 5.42%$117.06
20,800 at 5.43%$117.19
20,800 at 5.44%$117.32
20,800 at 5.45%$117.45
20,800 at 5.46%$117.58
20,800 at 5.47%$117.71
20,800 at 5.48%$117.84
20,800 at 5.49%$117.97
20,800 at 5.5%$118.10
20,800 at 5.51%$118.23
20,800 at 5.52%$118.36
20,800 at 5.53%$118.49
20,800 at 5.54%$118.62
20,800 at 5.55%$118.75
20,800 at 5.56%$118.88
20,800 at 5.57%$119.02
20,800 at 5.58%$119.15
20,800 at 5.59%$119.28
20,800 at 5.6%$119.41
20,800 at 5.61%$119.54
20,800 at 5.62%$119.67
20,800 at 5.63%$119.80
20,800 at 5.64%$119.93
20,800 at 5.65%$120.07
20,800 at 5.66%$120.20
20,800 at 5.67%$120.33
20,800 at 5.68%$120.46
20,800 at 5.69%$120.59
20,800 at 5.7%$120.72
20,800 at 5.71%$120.86
20,800 at 5.72%$120.99
20,800 at 5.73%$121.12
20,800 at 5.74%$121.25
20,800 at 5.75%$121.38
20,800 at 5.76%$121.52
20,800 at 5.77%$121.65
20,800 at 5.78%$121.78
20,800 at 5.79%$121.91
20,800 at 5.8%$122.04
20,800 at 5.81%$122.18
20,800 at 5.82%$122.31
20,800 at 5.83%$122.44
20,800 at 5.84%$122.57
20,800 at 5.85%$122.71
20,800 at 5.86%$122.84
20,800 at 5.87%$122.97
20,800 at 5.88%$123.11
20,800 at 5.89%$123.24
20,800 at 5.9%$123.37
20,800 at 5.91%$123.51
20,800 at 5.92%$123.64
20,800 at 5.93%$123.77
20,800 at 5.94%$123.91
20,800 at 5.95%$124.04
20,800 at 5.96%$124.17
20,800 at 5.97%$124.31
20,800 at 5.98%$124.44
20,800 at 5.99%$124.57
20,800 at 6%$124.71
20,800 at 6.01%$124.84
20,800 at 6.02%$124.97
20,800 at 6.03%$125.11
20,800 at 6.04%$125.24
20,800 at 6.05%$125.38
20,800 at 6.06%$125.51
20,800 at 6.07%$125.64
20,800 at 6.08%$125.78
20,800 at 6.09%$125.91
20,800 at 6.1%$126.05
20,800 at 6.11%$126.18
20,800 at 6.12%$126.32
20,800 at 6.13%$126.45
20,800 at 6.14%$126.58
20,800 at 6.15%$126.72
20,800 at 6.16%$126.85
20,800 at 6.17%$126.99
20,800 at 6.18%$127.12
20,800 at 6.19%$127.26
20,800 at 6.2%$127.39
20,800 at 6.21%$127.53
20,800 at 6.22%$127.66
20,800 at 6.23%$127.80
20,800 at 6.24%$127.93
20,800 at 6.25%$128.07
20,800 at 6.26%$128.20
20,800 at 6.27%$128.34
20,800 at 6.28%$128.48
20,800 at 6.29%$128.61
20,800 at 6.3%$128.75
20,800 at 6.31%$128.88
20,800 at 6.32%$129.02
20,800 at 6.33%$129.15
20,800 at 6.34%$129.29
20,800 at 6.35%$129.43
20,800 at 6.36%$129.56
20,800 at 6.37%$129.70
20,800 at 6.38%$129.83
20,800 at 6.39%$129.97
20,800 at 6.4%$130.11
20,800 at 6.41%$130.24
20,800 at 6.42%$130.38
20,800 at 6.43%$130.51
20,800 at 6.44%$130.65
20,800 at 6.45%$130.79
20,800 at 6.46%$130.92
20,800 at 6.47%$131.06
20,800 at 6.48%$131.20
20,800 at 6.49%$131.33
20,800 at 6.5%$131.47
Interest Rate 30 Year
20,800 at 6.51%$131.61
20,800 at 6.52%$131.74
20,800 at 6.53%$131.88
20,800 at 6.54%$132.02
20,800 at 6.55%$132.15
20,800 at 6.56%$132.29
20,800 at 6.57%$132.43
20,800 at 6.58%$132.57
20,800 at 6.59%$132.70
20,800 at 6.6%$132.84
20,800 at 6.61%$132.98
20,800 at 6.62%$133.12
20,800 at 6.63%$133.25
20,800 at 6.64%$133.39
20,800 at 6.65%$133.53
20,800 at 6.66%$133.67
20,800 at 6.67%$133.80
20,800 at 6.68%$133.94
20,800 at 6.69%$134.08
20,800 at 6.7%$134.22
20,800 at 6.71%$134.36
20,800 at 6.72%$134.49
20,800 at 6.73%$134.63
20,800 at 6.74%$134.77
20,800 at 6.75%$134.91
20,800 at 6.76%$135.05
20,800 at 6.77%$135.19
20,800 at 6.78%$135.32
20,800 at 6.79%$135.46
20,800 at 6.8%$135.60
20,800 at 6.81%$135.74
20,800 at 6.82%$135.88
20,800 at 6.83%$136.02
20,800 at 6.84%$136.16
20,800 at 6.85%$136.29
20,800 at 6.86%$136.43
20,800 at 6.87%$136.57
20,800 at 6.88%$136.71
20,800 at 6.89%$136.85
20,800 at 6.9%$136.99
20,800 at 6.91%$137.13
20,800 at 6.92%$137.27
20,800 at 6.93%$137.41
20,800 at 6.94%$137.55
20,800 at 6.95%$137.69
20,800 at 6.96%$137.82
20,800 at 6.97%$137.96
20,800 at 6.98%$138.10
20,800 at 6.99%$138.24
20,800 at 7%$138.38
20,800 at 7.01%$138.52
20,800 at 7.02%$138.66
20,800 at 7.03%$138.80
20,800 at 7.04%$138.94
20,800 at 7.05%$139.08
20,800 at 7.06%$139.22
20,800 at 7.07%$139.36
20,800 at 7.08%$139.50
20,800 at 7.09%$139.64
20,800 at 7.1%$139.78
20,800 at 7.11%$139.92
20,800 at 7.12%$140.06
20,800 at 7.13%$140.20
20,800 at 7.14%$140.34
20,800 at 7.15%$140.48
20,800 at 7.16%$140.63
20,800 at 7.17%$140.77
20,800 at 7.18%$140.91
20,800 at 7.19%$141.05
20,800 at 7.2%$141.19
20,800 at 7.21%$141.33
20,800 at 7.22%$141.47
20,800 at 7.23%$141.61
20,800 at 7.24%$141.75
20,800 at 7.25%$141.89
20,800 at 7.26%$142.03
20,800 at 7.27%$142.17
20,800 at 7.28%$142.32
20,800 at 7.29%$142.46
20,800 at 7.3%$142.60
20,800 at 7.31%$142.74
20,800 at 7.32%$142.88
20,800 at 7.33%$143.02
20,800 at 7.34%$143.16
20,800 at 7.35%$143.31
20,800 at 7.36%$143.45
20,800 at 7.37%$143.59
20,800 at 7.38%$143.73
20,800 at 7.39%$143.87
20,800 at 7.4%$144.01
20,800 at 7.41%$144.16
20,800 at 7.42%$144.30
20,800 at 7.43%$144.44
20,800 at 7.44%$144.58
20,800 at 7.45%$144.73
20,800 at 7.46%$144.87
20,800 at 7.47%$145.01
20,800 at 7.48%$145.15
20,800 at 7.49%$145.29
20,800 at 7.5%$145.44
20,800 at 7.51%$145.58
20,800 at 7.52%$145.72
20,800 at 7.53%$145.86
20,800 at 7.54%$146.01
20,800 at 7.55%$146.15
20,800 at 7.56%$146.29
20,800 at 7.57%$146.43
20,800 at 7.58%$146.58
20,800 at 7.59%$146.72
20,800 at 7.6%$146.86
20,800 at 7.61%$147.01
20,800 at 7.62%$147.15
20,800 at 7.63%$147.29
20,800 at 7.64%$147.44
20,800 at 7.65%$147.58
20,800 at 7.66%$147.72
20,800 at 7.67%$147.87
20,800 at 7.68%$148.01
20,800 at 7.69%$148.15
20,800 at 7.7%$148.30
20,800 at 7.71%$148.44
20,800 at 7.72%$148.58
20,800 at 7.73%$148.73
20,800 at 7.74%$148.87
20,800 at 7.75%$149.01
20,800 at 7.76%$149.16
20,800 at 7.77%$149.30
20,800 at 7.78%$149.45
20,800 at 7.79%$149.59
20,800 at 7.8%$149.73
20,800 at 7.81%$149.88
20,800 at 7.82%$150.02
20,800 at 7.83%$150.17
20,800 at 7.84%$150.31
20,800 at 7.85%$150.45
20,800 at 7.86%$150.60
20,800 at 7.87%$150.74
20,800 at 7.88%$150.89
20,800 at 7.89%$151.03
20,800 at 7.9%$151.18
20,800 at 7.91%$151.32
20,800 at 7.92%$151.46
20,800 at 7.93%$151.61
20,800 at 7.94%$151.75
20,800 at 7.95%$151.90
20,800 at 7.96%$152.04
20,800 at 7.97%$152.19
20,800 at 7.98%$152.33
20,800 at 7.99%$152.48
20,800 at 8%$152.62
More Amounts
What is the down payment for a $20,800 house? How much do you need to put down?
Percent Down Down Payment
1%208
2%416
3%624
4%832
5%1,040
6%1,248
7%1,456
8%1,664
9%1,872
10%2,080
11%2,288
12%2,496
13%2,704
14%2,912
15%3,120
16%3,328
17%3,536
18%3,744
19%3,952
20%4,160
Percent Down Down Payment
21%4,368
22%4,576
23%4,784
24%4,992
25%5,200
26%5,408
27%5,616
28%5,824
29%6,032
30%6,240
31%6,448
32%6,656
33%6,864
34%7,072
35%7,280
36%7,488
37%7,696
38%7,904
39%8,112
40%8,320
Percent Down Down Payment
41%8,528
42%8,736
43%8,944
44%9,152
45%9,360
46%9,568
47%9,776
48%9,984
49%10,192
50%10,400
51%10,608
52%10,816
53%11,024
54%11,232
55%11,440
56%11,648
57%11,856
58%12,064
59%12,272
60%12,480
Percent Down Down Payment
61%12,688
62%12,896
63%13,104
64%13,312
65%13,520
66%13,728
67%13,936
68%14,144
69%14,352
70%14,560
71%14,768
72%14,976
73%15,184
74%15,392
75%15,600
76%15,808
77%16,016
78%16,224
79%16,432
80%16,640
Percent Down Down Payment
81%16,848
82%17,056
83%17,264
84%17,472
85%17,680
86%17,888
87%18,096
88%18,304
89%18,512
90%18,720
91%18,928
92%19,136
93%19,344
94%19,552
95%19,760
96%19,968
97%20,176
98%20,384
99%20,592
100%20,800
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.