$21,100 Mortgage for 30 Years

What is the monthly payment of a 21,100 dollar loan?
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Loan Tables for a $21,100 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 $21,100 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
21,100 at 2.01%$78.10
21,100 at 2.02%$78.20
21,100 at 2.03%$78.31
21,100 at 2.04%$78.41
21,100 at 2.05%$78.52
21,100 at 2.06%$78.62
21,100 at 2.07%$78.73
21,100 at 2.08%$78.84
21,100 at 2.09%$78.94
21,100 at 2.1%$79.05
21,100 at 2.11%$79.16
21,100 at 2.12%$79.26
21,100 at 2.13%$79.37
21,100 at 2.14%$79.48
21,100 at 2.15%$79.58
21,100 at 2.16%$79.69
21,100 at 2.17%$79.80
21,100 at 2.18%$79.90
21,100 at 2.19%$80.01
21,100 at 2.2%$80.12
21,100 at 2.21%$80.22
21,100 at 2.22%$80.33
21,100 at 2.23%$80.44
21,100 at 2.24%$80.55
21,100 at 2.25%$80.65
21,100 at 2.26%$80.76
21,100 at 2.27%$80.87
21,100 at 2.28%$80.98
21,100 at 2.29%$81.09
21,100 at 2.3%$81.19
21,100 at 2.31%$81.30
21,100 at 2.32%$81.41
21,100 at 2.33%$81.52
21,100 at 2.34%$81.63
21,100 at 2.35%$81.73
21,100 at 2.36%$81.84
21,100 at 2.37%$81.95
21,100 at 2.38%$82.06
21,100 at 2.39%$82.17
21,100 at 2.4%$82.28
21,100 at 2.41%$82.39
21,100 at 2.42%$82.50
21,100 at 2.43%$82.60
21,100 at 2.44%$82.71
21,100 at 2.45%$82.82
21,100 at 2.46%$82.93
21,100 at 2.47%$83.04
21,100 at 2.48%$83.15
21,100 at 2.49%$83.26
21,100 at 2.5%$83.37
21,100 at 2.51%$83.48
21,100 at 2.52%$83.59
21,100 at 2.53%$83.70
21,100 at 2.54%$83.81
21,100 at 2.55%$83.92
21,100 at 2.56%$84.03
21,100 at 2.57%$84.14
21,100 at 2.58%$84.25
21,100 at 2.59%$84.36
21,100 at 2.6%$84.47
21,100 at 2.61%$84.58
21,100 at 2.62%$84.69
21,100 at 2.63%$84.80
21,100 at 2.64%$84.91
21,100 at 2.65%$85.03
21,100 at 2.66%$85.14
21,100 at 2.67%$85.25
21,100 at 2.68%$85.36
21,100 at 2.69%$85.47
21,100 at 2.7%$85.58
21,100 at 2.71%$85.69
21,100 at 2.72%$85.80
21,100 at 2.73%$85.92
21,100 at 2.74%$86.03
21,100 at 2.75%$86.14
21,100 at 2.76%$86.25
21,100 at 2.77%$86.36
21,100 at 2.78%$86.47
21,100 at 2.79%$86.59
21,100 at 2.8%$86.70
21,100 at 2.81%$86.81
21,100 at 2.82%$86.92
21,100 at 2.83%$87.04
21,100 at 2.84%$87.15
21,100 at 2.85%$87.26
21,100 at 2.86%$87.37
21,100 at 2.87%$87.49
21,100 at 2.88%$87.60
21,100 at 2.89%$87.71
21,100 at 2.9%$87.82
21,100 at 2.91%$87.94
21,100 at 2.92%$88.05
21,100 at 2.93%$88.16
21,100 at 2.94%$88.28
21,100 at 2.95%$88.39
21,100 at 2.96%$88.50
21,100 at 2.97%$88.62
21,100 at 2.98%$88.73
21,100 at 2.99%$88.84
21,100 at 3%$88.96
21,100 at 3.01%$89.07
21,100 at 3.02%$89.19
21,100 at 3.03%$89.30
21,100 at 3.04%$89.41
21,100 at 3.05%$89.53
21,100 at 3.06%$89.64
21,100 at 3.07%$89.76
21,100 at 3.08%$89.87
21,100 at 3.09%$89.99
21,100 at 3.1%$90.10
21,100 at 3.11%$90.22
21,100 at 3.12%$90.33
21,100 at 3.13%$90.44
21,100 at 3.14%$90.56
21,100 at 3.15%$90.67
21,100 at 3.16%$90.79
21,100 at 3.17%$90.90
21,100 at 3.18%$91.02
21,100 at 3.19%$91.14
21,100 at 3.2%$91.25
21,100 at 3.21%$91.37
21,100 at 3.22%$91.48
21,100 at 3.23%$91.60
21,100 at 3.24%$91.71
21,100 at 3.25%$91.83
21,100 at 3.26%$91.94
21,100 at 3.27%$92.06
21,100 at 3.28%$92.18
21,100 at 3.29%$92.29
21,100 at 3.3%$92.41
21,100 at 3.31%$92.52
21,100 at 3.32%$92.64
21,100 at 3.33%$92.76
21,100 at 3.34%$92.87
21,100 at 3.35%$92.99
21,100 at 3.36%$93.11
21,100 at 3.37%$93.22
21,100 at 3.38%$93.34
21,100 at 3.39%$93.46
21,100 at 3.4%$93.57
21,100 at 3.41%$93.69
21,100 at 3.42%$93.81
21,100 at 3.43%$93.93
21,100 at 3.44%$94.04
21,100 at 3.45%$94.16
21,100 at 3.46%$94.28
21,100 at 3.47%$94.40
21,100 at 3.48%$94.51
21,100 at 3.49%$94.63
21,100 at 3.5%$94.75
Interest Rate 30 Year
21,100 at 3.51%$94.87
21,100 at 3.52%$94.98
21,100 at 3.53%$95.10
21,100 at 3.54%$95.22
21,100 at 3.55%$95.34
21,100 at 3.56%$95.46
21,100 at 3.57%$95.57
21,100 at 3.58%$95.69
21,100 at 3.59%$95.81
21,100 at 3.6%$95.93
21,100 at 3.61%$96.05
21,100 at 3.62%$96.17
21,100 at 3.63%$96.29
21,100 at 3.64%$96.41
21,100 at 3.65%$96.52
21,100 at 3.66%$96.64
21,100 at 3.67%$96.76
21,100 at 3.68%$96.88
21,100 at 3.69%$97.00
21,100 at 3.7%$97.12
21,100 at 3.71%$97.24
21,100 at 3.72%$97.36
21,100 at 3.73%$97.48
21,100 at 3.74%$97.60
21,100 at 3.75%$97.72
21,100 at 3.76%$97.84
21,100 at 3.77%$97.96
21,100 at 3.78%$98.08
21,100 at 3.79%$98.20
21,100 at 3.8%$98.32
21,100 at 3.81%$98.44
21,100 at 3.82%$98.56
21,100 at 3.83%$98.68
21,100 at 3.84%$98.80
21,100 at 3.85%$98.92
21,100 at 3.86%$99.04
21,100 at 3.87%$99.16
21,100 at 3.88%$99.28
21,100 at 3.89%$99.40
21,100 at 3.9%$99.52
21,100 at 3.91%$99.64
21,100 at 3.92%$99.76
21,100 at 3.93%$99.88
21,100 at 3.94%$100.01
21,100 at 3.95%$100.13
21,100 at 3.96%$100.25
21,100 at 3.97%$100.37
21,100 at 3.98%$100.49
21,100 at 3.99%$100.61
21,100 at 4%$100.73
21,100 at 4.01%$100.86
21,100 at 4.02%$100.98
21,100 at 4.03%$101.10
21,100 at 4.04%$101.22
21,100 at 4.05%$101.34
21,100 at 4.06%$101.47
21,100 at 4.07%$101.59
21,100 at 4.08%$101.71
21,100 at 4.09%$101.83
21,100 at 4.1%$101.95
21,100 at 4.11%$102.08
21,100 at 4.12%$102.20
21,100 at 4.13%$102.32
21,100 at 4.14%$102.45
21,100 at 4.15%$102.57
21,100 at 4.16%$102.69
21,100 at 4.17%$102.81
21,100 at 4.18%$102.94
21,100 at 4.19%$103.06
21,100 at 4.2%$103.18
21,100 at 4.21%$103.31
21,100 at 4.22%$103.43
21,100 at 4.23%$103.55
21,100 at 4.24%$103.68
21,100 at 4.25%$103.80
21,100 at 4.26%$103.92
21,100 at 4.27%$104.05
21,100 at 4.28%$104.17
21,100 at 4.29%$104.29
21,100 at 4.3%$104.42
21,100 at 4.31%$104.54
21,100 at 4.32%$104.67
21,100 at 4.33%$104.79
21,100 at 4.34%$104.91
21,100 at 4.35%$105.04
21,100 at 4.36%$105.16
21,100 at 4.37%$105.29
21,100 at 4.38%$105.41
21,100 at 4.39%$105.54
21,100 at 4.4%$105.66
21,100 at 4.41%$105.79
21,100 at 4.42%$105.91
21,100 at 4.43%$106.03
21,100 at 4.44%$106.16
21,100 at 4.45%$106.28
21,100 at 4.46%$106.41
21,100 at 4.47%$106.53
21,100 at 4.48%$106.66
21,100 at 4.49%$106.79
21,100 at 4.5%$106.91
21,100 at 4.51%$107.04
21,100 at 4.52%$107.16
21,100 at 4.53%$107.29
21,100 at 4.54%$107.41
21,100 at 4.55%$107.54
21,100 at 4.56%$107.66
21,100 at 4.57%$107.79
21,100 at 4.58%$107.92
21,100 at 4.59%$108.04
21,100 at 4.6%$108.17
21,100 at 4.61%$108.29
21,100 at 4.62%$108.42
21,100 at 4.63%$108.55
21,100 at 4.64%$108.67
21,100 at 4.65%$108.80
21,100 at 4.66%$108.93
21,100 at 4.67%$109.05
21,100 at 4.68%$109.18
21,100 at 4.69%$109.31
21,100 at 4.7%$109.43
21,100 at 4.71%$109.56
21,100 at 4.72%$109.69
21,100 at 4.73%$109.81
21,100 at 4.74%$109.94
21,100 at 4.75%$110.07
21,100 at 4.76%$110.19
21,100 at 4.77%$110.32
21,100 at 4.78%$110.45
21,100 at 4.79%$110.58
21,100 at 4.8%$110.70
21,100 at 4.81%$110.83
21,100 at 4.82%$110.96
21,100 at 4.83%$111.09
21,100 at 4.84%$111.22
21,100 at 4.85%$111.34
21,100 at 4.86%$111.47
21,100 at 4.87%$111.60
21,100 at 4.88%$111.73
21,100 at 4.89%$111.86
21,100 at 4.9%$111.98
21,100 at 4.91%$112.11
21,100 at 4.92%$112.24
21,100 at 4.93%$112.37
21,100 at 4.94%$112.50
21,100 at 4.95%$112.63
21,100 at 4.96%$112.75
21,100 at 4.97%$112.88
21,100 at 4.98%$113.01
21,100 at 4.99%$113.14
21,100 at 5%$113.27
Interest Rate 30 Year
21,100 at 5.01%$113.40
21,100 at 5.02%$113.53
21,100 at 5.03%$113.66
21,100 at 5.04%$113.79
21,100 at 5.05%$113.92
21,100 at 5.06%$114.04
21,100 at 5.07%$114.17
21,100 at 5.08%$114.30
21,100 at 5.09%$114.43
21,100 at 5.1%$114.56
21,100 at 5.11%$114.69
21,100 at 5.12%$114.82
21,100 at 5.13%$114.95
21,100 at 5.14%$115.08
21,100 at 5.15%$115.21
21,100 at 5.16%$115.34
21,100 at 5.17%$115.47
21,100 at 5.18%$115.60
21,100 at 5.19%$115.73
21,100 at 5.2%$115.86
21,100 at 5.21%$115.99
21,100 at 5.22%$116.12
21,100 at 5.23%$116.25
21,100 at 5.24%$116.38
21,100 at 5.25%$116.51
21,100 at 5.26%$116.65
21,100 at 5.27%$116.78
21,100 at 5.28%$116.91
21,100 at 5.29%$117.04
21,100 at 5.3%$117.17
21,100 at 5.31%$117.30
21,100 at 5.32%$117.43
21,100 at 5.33%$117.56
21,100 at 5.34%$117.69
21,100 at 5.35%$117.83
21,100 at 5.36%$117.96
21,100 at 5.37%$118.09
21,100 at 5.38%$118.22
21,100 at 5.39%$118.35
21,100 at 5.4%$118.48
21,100 at 5.41%$118.61
21,100 at 5.42%$118.75
21,100 at 5.43%$118.88
21,100 at 5.44%$119.01
21,100 at 5.45%$119.14
21,100 at 5.46%$119.27
21,100 at 5.47%$119.41
21,100 at 5.48%$119.54
21,100 at 5.49%$119.67
21,100 at 5.5%$119.80
21,100 at 5.51%$119.94
21,100 at 5.52%$120.07
21,100 at 5.53%$120.20
21,100 at 5.54%$120.33
21,100 at 5.55%$120.47
21,100 at 5.56%$120.60
21,100 at 5.57%$120.73
21,100 at 5.58%$120.86
21,100 at 5.59%$121.00
21,100 at 5.6%$121.13
21,100 at 5.61%$121.26
21,100 at 5.62%$121.40
21,100 at 5.63%$121.53
21,100 at 5.64%$121.66
21,100 at 5.65%$121.80
21,100 at 5.66%$121.93
21,100 at 5.67%$122.06
21,100 at 5.68%$122.20
21,100 at 5.69%$122.33
21,100 at 5.7%$122.46
21,100 at 5.71%$122.60
21,100 at 5.72%$122.73
21,100 at 5.73%$122.87
21,100 at 5.74%$123.00
21,100 at 5.75%$123.13
21,100 at 5.76%$123.27
21,100 at 5.77%$123.40
21,100 at 5.78%$123.54
21,100 at 5.79%$123.67
21,100 at 5.8%$123.80
21,100 at 5.81%$123.94
21,100 at 5.82%$124.07
21,100 at 5.83%$124.21
21,100 at 5.84%$124.34
21,100 at 5.85%$124.48
21,100 at 5.86%$124.61
21,100 at 5.87%$124.75
21,100 at 5.88%$124.88
21,100 at 5.89%$125.02
21,100 at 5.9%$125.15
21,100 at 5.91%$125.29
21,100 at 5.92%$125.42
21,100 at 5.93%$125.56
21,100 at 5.94%$125.69
21,100 at 5.95%$125.83
21,100 at 5.96%$125.96
21,100 at 5.97%$126.10
21,100 at 5.98%$126.23
21,100 at 5.99%$126.37
21,100 at 6%$126.51
21,100 at 6.01%$126.64
21,100 at 6.02%$126.78
21,100 at 6.03%$126.91
21,100 at 6.04%$127.05
21,100 at 6.05%$127.18
21,100 at 6.06%$127.32
21,100 at 6.07%$127.46
21,100 at 6.08%$127.59
21,100 at 6.09%$127.73
21,100 at 6.1%$127.86
21,100 at 6.11%$128.00
21,100 at 6.12%$128.14
21,100 at 6.13%$128.27
21,100 at 6.14%$128.41
21,100 at 6.15%$128.55
21,100 at 6.16%$128.68
21,100 at 6.17%$128.82
21,100 at 6.18%$128.96
21,100 at 6.19%$129.09
21,100 at 6.2%$129.23
21,100 at 6.21%$129.37
21,100 at 6.22%$129.50
21,100 at 6.23%$129.64
21,100 at 6.24%$129.78
21,100 at 6.25%$129.92
21,100 at 6.26%$130.05
21,100 at 6.27%$130.19
21,100 at 6.28%$130.33
21,100 at 6.29%$130.47
21,100 at 6.3%$130.60
21,100 at 6.31%$130.74
21,100 at 6.32%$130.88
21,100 at 6.33%$131.02
21,100 at 6.34%$131.15
21,100 at 6.35%$131.29
21,100 at 6.36%$131.43
21,100 at 6.37%$131.57
21,100 at 6.38%$131.71
21,100 at 6.39%$131.84
21,100 at 6.4%$131.98
21,100 at 6.41%$132.12
21,100 at 6.42%$132.26
21,100 at 6.43%$132.40
21,100 at 6.44%$132.53
21,100 at 6.45%$132.67
21,100 at 6.46%$132.81
21,100 at 6.47%$132.95
21,100 at 6.48%$133.09
21,100 at 6.49%$133.23
21,100 at 6.5%$133.37
Interest Rate 30 Year
21,100 at 6.51%$133.51
21,100 at 6.52%$133.64
21,100 at 6.53%$133.78
21,100 at 6.54%$133.92
21,100 at 6.55%$134.06
21,100 at 6.56%$134.20
21,100 at 6.57%$134.34
21,100 at 6.58%$134.48
21,100 at 6.59%$134.62
21,100 at 6.6%$134.76
21,100 at 6.61%$134.90
21,100 at 6.62%$135.04
21,100 at 6.63%$135.18
21,100 at 6.64%$135.31
21,100 at 6.65%$135.45
21,100 at 6.66%$135.59
21,100 at 6.67%$135.73
21,100 at 6.68%$135.87
21,100 at 6.69%$136.01
21,100 at 6.7%$136.15
21,100 at 6.71%$136.29
21,100 at 6.72%$136.43
21,100 at 6.73%$136.57
21,100 at 6.74%$136.71
21,100 at 6.75%$136.85
21,100 at 6.76%$136.99
21,100 at 6.77%$137.13
21,100 at 6.78%$137.28
21,100 at 6.79%$137.42
21,100 at 6.8%$137.56
21,100 at 6.81%$137.70
21,100 at 6.82%$137.84
21,100 at 6.83%$137.98
21,100 at 6.84%$138.12
21,100 at 6.85%$138.26
21,100 at 6.86%$138.40
21,100 at 6.87%$138.54
21,100 at 6.88%$138.68
21,100 at 6.89%$138.82
21,100 at 6.9%$138.96
21,100 at 6.91%$139.11
21,100 at 6.92%$139.25
21,100 at 6.93%$139.39
21,100 at 6.94%$139.53
21,100 at 6.95%$139.67
21,100 at 6.96%$139.81
21,100 at 6.97%$139.95
21,100 at 6.98%$140.10
21,100 at 6.99%$140.24
21,100 at 7%$140.38
21,100 at 7.01%$140.52
21,100 at 7.02%$140.66
21,100 at 7.03%$140.80
21,100 at 7.04%$140.95
21,100 at 7.05%$141.09
21,100 at 7.06%$141.23
21,100 at 7.07%$141.37
21,100 at 7.08%$141.51
21,100 at 7.09%$141.66
21,100 at 7.1%$141.80
21,100 at 7.11%$141.94
21,100 at 7.12%$142.08
21,100 at 7.13%$142.23
21,100 at 7.14%$142.37
21,100 at 7.15%$142.51
21,100 at 7.16%$142.65
21,100 at 7.17%$142.80
21,100 at 7.18%$142.94
21,100 at 7.19%$143.08
21,100 at 7.2%$143.22
21,100 at 7.21%$143.37
21,100 at 7.22%$143.51
21,100 at 7.23%$143.65
21,100 at 7.24%$143.80
21,100 at 7.25%$143.94
21,100 at 7.26%$144.08
21,100 at 7.27%$144.23
21,100 at 7.28%$144.37
21,100 at 7.29%$144.51
21,100 at 7.3%$144.66
21,100 at 7.31%$144.80
21,100 at 7.32%$144.94
21,100 at 7.33%$145.09
21,100 at 7.34%$145.23
21,100 at 7.35%$145.37
21,100 at 7.36%$145.52
21,100 at 7.37%$145.66
21,100 at 7.38%$145.80
21,100 at 7.39%$145.95
21,100 at 7.4%$146.09
21,100 at 7.41%$146.24
21,100 at 7.42%$146.38
21,100 at 7.43%$146.52
21,100 at 7.44%$146.67
21,100 at 7.45%$146.81
21,100 at 7.46%$146.96
21,100 at 7.47%$147.10
21,100 at 7.48%$147.25
21,100 at 7.49%$147.39
21,100 at 7.5%$147.53
21,100 at 7.51%$147.68
21,100 at 7.52%$147.82
21,100 at 7.53%$147.97
21,100 at 7.54%$148.11
21,100 at 7.55%$148.26
21,100 at 7.56%$148.40
21,100 at 7.57%$148.55
21,100 at 7.58%$148.69
21,100 at 7.59%$148.84
21,100 at 7.6%$148.98
21,100 at 7.61%$149.13
21,100 at 7.62%$149.27
21,100 at 7.63%$149.42
21,100 at 7.64%$149.56
21,100 at 7.65%$149.71
21,100 at 7.66%$149.85
21,100 at 7.67%$150.00
21,100 at 7.68%$150.14
21,100 at 7.69%$150.29
21,100 at 7.7%$150.43
21,100 at 7.71%$150.58
21,100 at 7.72%$150.73
21,100 at 7.73%$150.87
21,100 at 7.74%$151.02
21,100 at 7.75%$151.16
21,100 at 7.76%$151.31
21,100 at 7.77%$151.45
21,100 at 7.78%$151.60
21,100 at 7.79%$151.75
21,100 at 7.8%$151.89
21,100 at 7.81%$152.04
21,100 at 7.82%$152.18
21,100 at 7.83%$152.33
21,100 at 7.84%$152.48
21,100 at 7.85%$152.62
21,100 at 7.86%$152.77
21,100 at 7.87%$152.92
21,100 at 7.88%$153.06
21,100 at 7.89%$153.21
21,100 at 7.9%$153.36
21,100 at 7.91%$153.50
21,100 at 7.92%$153.65
21,100 at 7.93%$153.80
21,100 at 7.94%$153.94
21,100 at 7.95%$154.09
21,100 at 7.96%$154.24
21,100 at 7.97%$154.38
21,100 at 7.98%$154.53
21,100 at 7.99%$154.68
21,100 at 8%$154.82
More Amounts
What is the down payment for a $21,100 house? How much do you need to put down?
Percent Down Down Payment
1%211
2%422
3%633
4%844
5%1,055
6%1,266
7%1,477
8%1,688
9%1,899
10%2,110
11%2,321
12%2,532
13%2,743
14%2,954
15%3,165
16%3,376
17%3,587
18%3,798
19%4,009
20%4,220
Percent Down Down Payment
21%4,431
22%4,642
23%4,853
24%5,064
25%5,275
26%5,486
27%5,697
28%5,908
29%6,119
30%6,330
31%6,541
32%6,752
33%6,963
34%7,174
35%7,385
36%7,596
37%7,807
38%8,018
39%8,229
40%8,440
Percent Down Down Payment
41%8,651
42%8,862
43%9,073
44%9,284
45%9,495
46%9,706
47%9,917
48%10,128
49%10,339
50%10,550
51%10,761
52%10,972
53%11,183
54%11,394
55%11,605
56%11,816
57%12,027
58%12,238
59%12,449
60%12,660
Percent Down Down Payment
61%12,871
62%13,082
63%13,293
64%13,504
65%13,715
66%13,926
67%14,137
68%14,348
69%14,559
70%14,770
71%14,981
72%15,192
73%15,403
74%15,614
75%15,825
76%16,036
77%16,247
78%16,458
79%16,669
80%16,880
Percent Down Down Payment
81%17,091
82%17,302
83%17,513
84%17,724
85%17,935
86%18,146
87%18,357
88%18,568
89%18,779
90%18,990
91%19,201
92%19,412
93%19,623
94%19,834
95%20,045
96%20,256
97%20,467
98%20,678
99%20,889
100%21,100
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.