$21,900 Mortgage for 30 Years

What is the monthly payment of a 21,900 dollar loan?
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Loan Tables for a $21,900 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 22k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $21,900 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
21,900 at 2.01%$81.06
21,900 at 2.02%$81.17
21,900 at 2.03%$81.28
21,900 at 2.04%$81.39
21,900 at 2.05%$81.50
21,900 at 2.06%$81.61
21,900 at 2.07%$81.72
21,900 at 2.08%$81.83
21,900 at 2.09%$81.94
21,900 at 2.1%$82.05
21,900 at 2.11%$82.16
21,900 at 2.12%$82.27
21,900 at 2.13%$82.38
21,900 at 2.14%$82.49
21,900 at 2.15%$82.60
21,900 at 2.16%$82.71
21,900 at 2.17%$82.82
21,900 at 2.18%$82.93
21,900 at 2.19%$83.04
21,900 at 2.2%$83.15
21,900 at 2.21%$83.27
21,900 at 2.22%$83.38
21,900 at 2.23%$83.49
21,900 at 2.24%$83.60
21,900 at 2.25%$83.71
21,900 at 2.26%$83.82
21,900 at 2.27%$83.94
21,900 at 2.28%$84.05
21,900 at 2.29%$84.16
21,900 at 2.3%$84.27
21,900 at 2.31%$84.38
21,900 at 2.32%$84.50
21,900 at 2.33%$84.61
21,900 at 2.34%$84.72
21,900 at 2.35%$84.83
21,900 at 2.36%$84.95
21,900 at 2.37%$85.06
21,900 at 2.38%$85.17
21,900 at 2.39%$85.28
21,900 at 2.4%$85.40
21,900 at 2.41%$85.51
21,900 at 2.42%$85.62
21,900 at 2.43%$85.74
21,900 at 2.44%$85.85
21,900 at 2.45%$85.96
21,900 at 2.46%$86.08
21,900 at 2.47%$86.19
21,900 at 2.48%$86.30
21,900 at 2.49%$86.42
21,900 at 2.5%$86.53
21,900 at 2.51%$86.65
21,900 at 2.52%$86.76
21,900 at 2.53%$86.87
21,900 at 2.54%$86.99
21,900 at 2.55%$87.10
21,900 at 2.56%$87.22
21,900 at 2.57%$87.33
21,900 at 2.58%$87.45
21,900 at 2.59%$87.56
21,900 at 2.6%$87.67
21,900 at 2.61%$87.79
21,900 at 2.62%$87.90
21,900 at 2.63%$88.02
21,900 at 2.64%$88.13
21,900 at 2.65%$88.25
21,900 at 2.66%$88.36
21,900 at 2.67%$88.48
21,900 at 2.68%$88.59
21,900 at 2.69%$88.71
21,900 at 2.7%$88.83
21,900 at 2.71%$88.94
21,900 at 2.72%$89.06
21,900 at 2.73%$89.17
21,900 at 2.74%$89.29
21,900 at 2.75%$89.40
21,900 at 2.76%$89.52
21,900 at 2.77%$89.64
21,900 at 2.78%$89.75
21,900 at 2.79%$89.87
21,900 at 2.8%$89.99
21,900 at 2.81%$90.10
21,900 at 2.82%$90.22
21,900 at 2.83%$90.34
21,900 at 2.84%$90.45
21,900 at 2.85%$90.57
21,900 at 2.86%$90.69
21,900 at 2.87%$90.80
21,900 at 2.88%$90.92
21,900 at 2.89%$91.04
21,900 at 2.9%$91.15
21,900 at 2.91%$91.27
21,900 at 2.92%$91.39
21,900 at 2.93%$91.51
21,900 at 2.94%$91.62
21,900 at 2.95%$91.74
21,900 at 2.96%$91.86
21,900 at 2.97%$91.98
21,900 at 2.98%$92.10
21,900 at 2.99%$92.21
21,900 at 3%$92.33
21,900 at 3.01%$92.45
21,900 at 3.02%$92.57
21,900 at 3.03%$92.69
21,900 at 3.04%$92.80
21,900 at 3.05%$92.92
21,900 at 3.06%$93.04
21,900 at 3.07%$93.16
21,900 at 3.08%$93.28
21,900 at 3.09%$93.40
21,900 at 3.1%$93.52
21,900 at 3.11%$93.64
21,900 at 3.12%$93.75
21,900 at 3.13%$93.87
21,900 at 3.14%$93.99
21,900 at 3.15%$94.11
21,900 at 3.16%$94.23
21,900 at 3.17%$94.35
21,900 at 3.18%$94.47
21,900 at 3.19%$94.59
21,900 at 3.2%$94.71
21,900 at 3.21%$94.83
21,900 at 3.22%$94.95
21,900 at 3.23%$95.07
21,900 at 3.24%$95.19
21,900 at 3.25%$95.31
21,900 at 3.26%$95.43
21,900 at 3.27%$95.55
21,900 at 3.28%$95.67
21,900 at 3.29%$95.79
21,900 at 3.3%$95.91
21,900 at 3.31%$96.03
21,900 at 3.32%$96.15
21,900 at 3.33%$96.27
21,900 at 3.34%$96.40
21,900 at 3.35%$96.52
21,900 at 3.36%$96.64
21,900 at 3.37%$96.76
21,900 at 3.38%$96.88
21,900 at 3.39%$97.00
21,900 at 3.4%$97.12
21,900 at 3.41%$97.24
21,900 at 3.42%$97.37
21,900 at 3.43%$97.49
21,900 at 3.44%$97.61
21,900 at 3.45%$97.73
21,900 at 3.46%$97.85
21,900 at 3.47%$97.97
21,900 at 3.48%$98.10
21,900 at 3.49%$98.22
21,900 at 3.5%$98.34
Interest Rate 30 Year
21,900 at 3.51%$98.46
21,900 at 3.52%$98.59
21,900 at 3.53%$98.71
21,900 at 3.54%$98.83
21,900 at 3.55%$98.95
21,900 at 3.56%$99.08
21,900 at 3.57%$99.20
21,900 at 3.58%$99.32
21,900 at 3.59%$99.44
21,900 at 3.6%$99.57
21,900 at 3.61%$99.69
21,900 at 3.62%$99.81
21,900 at 3.63%$99.94
21,900 at 3.64%$100.06
21,900 at 3.65%$100.18
21,900 at 3.66%$100.31
21,900 at 3.67%$100.43
21,900 at 3.68%$100.55
21,900 at 3.69%$100.68
21,900 at 3.7%$100.80
21,900 at 3.71%$100.93
21,900 at 3.72%$101.05
21,900 at 3.73%$101.17
21,900 at 3.74%$101.30
21,900 at 3.75%$101.42
21,900 at 3.76%$101.55
21,900 at 3.77%$101.67
21,900 at 3.78%$101.80
21,900 at 3.79%$101.92
21,900 at 3.8%$102.04
21,900 at 3.81%$102.17
21,900 at 3.82%$102.29
21,900 at 3.83%$102.42
21,900 at 3.84%$102.54
21,900 at 3.85%$102.67
21,900 at 3.86%$102.79
21,900 at 3.87%$102.92
21,900 at 3.88%$103.04
21,900 at 3.89%$103.17
21,900 at 3.9%$103.30
21,900 at 3.91%$103.42
21,900 at 3.92%$103.55
21,900 at 3.93%$103.67
21,900 at 3.94%$103.80
21,900 at 3.95%$103.92
21,900 at 3.96%$104.05
21,900 at 3.97%$104.18
21,900 at 3.98%$104.30
21,900 at 3.99%$104.43
21,900 at 4%$104.55
21,900 at 4.01%$104.68
21,900 at 4.02%$104.81
21,900 at 4.03%$104.93
21,900 at 4.04%$105.06
21,900 at 4.05%$105.19
21,900 at 4.06%$105.31
21,900 at 4.07%$105.44
21,900 at 4.08%$105.57
21,900 at 4.09%$105.69
21,900 at 4.1%$105.82
21,900 at 4.11%$105.95
21,900 at 4.12%$106.07
21,900 at 4.13%$106.20
21,900 at 4.14%$106.33
21,900 at 4.15%$106.46
21,900 at 4.16%$106.58
21,900 at 4.17%$106.71
21,900 at 4.18%$106.84
21,900 at 4.19%$106.97
21,900 at 4.2%$107.09
21,900 at 4.21%$107.22
21,900 at 4.22%$107.35
21,900 at 4.23%$107.48
21,900 at 4.24%$107.61
21,900 at 4.25%$107.73
21,900 at 4.26%$107.86
21,900 at 4.27%$107.99
21,900 at 4.28%$108.12
21,900 at 4.29%$108.25
21,900 at 4.3%$108.38
21,900 at 4.31%$108.51
21,900 at 4.32%$108.63
21,900 at 4.33%$108.76
21,900 at 4.34%$108.89
21,900 at 4.35%$109.02
21,900 at 4.36%$109.15
21,900 at 4.37%$109.28
21,900 at 4.38%$109.41
21,900 at 4.39%$109.54
21,900 at 4.4%$109.67
21,900 at 4.41%$109.80
21,900 at 4.42%$109.93
21,900 at 4.43%$110.06
21,900 at 4.44%$110.18
21,900 at 4.45%$110.31
21,900 at 4.46%$110.44
21,900 at 4.47%$110.57
21,900 at 4.48%$110.70
21,900 at 4.49%$110.83
21,900 at 4.5%$110.96
21,900 at 4.51%$111.09
21,900 at 4.52%$111.22
21,900 at 4.53%$111.35
21,900 at 4.54%$111.49
21,900 at 4.55%$111.62
21,900 at 4.56%$111.75
21,900 at 4.57%$111.88
21,900 at 4.58%$112.01
21,900 at 4.59%$112.14
21,900 at 4.6%$112.27
21,900 at 4.61%$112.40
21,900 at 4.62%$112.53
21,900 at 4.63%$112.66
21,900 at 4.64%$112.79
21,900 at 4.65%$112.92
21,900 at 4.66%$113.06
21,900 at 4.67%$113.19
21,900 at 4.68%$113.32
21,900 at 4.69%$113.45
21,900 at 4.7%$113.58
21,900 at 4.71%$113.71
21,900 at 4.72%$113.85
21,900 at 4.73%$113.98
21,900 at 4.74%$114.11
21,900 at 4.75%$114.24
21,900 at 4.76%$114.37
21,900 at 4.77%$114.50
21,900 at 4.78%$114.64
21,900 at 4.79%$114.77
21,900 at 4.8%$114.90
21,900 at 4.81%$115.03
21,900 at 4.82%$115.17
21,900 at 4.83%$115.30
21,900 at 4.84%$115.43
21,900 at 4.85%$115.56
21,900 at 4.86%$115.70
21,900 at 4.87%$115.83
21,900 at 4.88%$115.96
21,900 at 4.89%$116.10
21,900 at 4.9%$116.23
21,900 at 4.91%$116.36
21,900 at 4.92%$116.50
21,900 at 4.93%$116.63
21,900 at 4.94%$116.76
21,900 at 4.95%$116.90
21,900 at 4.96%$117.03
21,900 at 4.97%$117.16
21,900 at 4.98%$117.30
21,900 at 4.99%$117.43
21,900 at 5%$117.56
Interest Rate 30 Year
21,900 at 5.01%$117.70
21,900 at 5.02%$117.83
21,900 at 5.03%$117.97
21,900 at 5.04%$118.10
21,900 at 5.05%$118.23
21,900 at 5.06%$118.37
21,900 at 5.07%$118.50
21,900 at 5.08%$118.64
21,900 at 5.09%$118.77
21,900 at 5.1%$118.91
21,900 at 5.11%$119.04
21,900 at 5.12%$119.18
21,900 at 5.13%$119.31
21,900 at 5.14%$119.44
21,900 at 5.15%$119.58
21,900 at 5.16%$119.71
21,900 at 5.17%$119.85
21,900 at 5.18%$119.98
21,900 at 5.19%$120.12
21,900 at 5.2%$120.26
21,900 at 5.21%$120.39
21,900 at 5.22%$120.53
21,900 at 5.23%$120.66
21,900 at 5.24%$120.80
21,900 at 5.25%$120.93
21,900 at 5.26%$121.07
21,900 at 5.27%$121.20
21,900 at 5.28%$121.34
21,900 at 5.29%$121.48
21,900 at 5.3%$121.61
21,900 at 5.31%$121.75
21,900 at 5.32%$121.88
21,900 at 5.33%$122.02
21,900 at 5.34%$122.16
21,900 at 5.35%$122.29
21,900 at 5.36%$122.43
21,900 at 5.37%$122.57
21,900 at 5.38%$122.70
21,900 at 5.39%$122.84
21,900 at 5.4%$122.98
21,900 at 5.41%$123.11
21,900 at 5.42%$123.25
21,900 at 5.43%$123.39
21,900 at 5.44%$123.52
21,900 at 5.45%$123.66
21,900 at 5.46%$123.80
21,900 at 5.47%$123.93
21,900 at 5.48%$124.07
21,900 at 5.49%$124.21
21,900 at 5.5%$124.35
21,900 at 5.51%$124.48
21,900 at 5.52%$124.62
21,900 at 5.53%$124.76
21,900 at 5.54%$124.90
21,900 at 5.55%$125.03
21,900 at 5.56%$125.17
21,900 at 5.57%$125.31
21,900 at 5.58%$125.45
21,900 at 5.59%$125.59
21,900 at 5.6%$125.72
21,900 at 5.61%$125.86
21,900 at 5.62%$126.00
21,900 at 5.63%$126.14
21,900 at 5.64%$126.28
21,900 at 5.65%$126.41
21,900 at 5.66%$126.55
21,900 at 5.67%$126.69
21,900 at 5.68%$126.83
21,900 at 5.69%$126.97
21,900 at 5.7%$127.11
21,900 at 5.71%$127.25
21,900 at 5.72%$127.39
21,900 at 5.73%$127.52
21,900 at 5.74%$127.66
21,900 at 5.75%$127.80
21,900 at 5.76%$127.94
21,900 at 5.77%$128.08
21,900 at 5.78%$128.22
21,900 at 5.79%$128.36
21,900 at 5.8%$128.50
21,900 at 5.81%$128.64
21,900 at 5.82%$128.78
21,900 at 5.83%$128.92
21,900 at 5.84%$129.06
21,900 at 5.85%$129.20
21,900 at 5.86%$129.34
21,900 at 5.87%$129.48
21,900 at 5.88%$129.62
21,900 at 5.89%$129.76
21,900 at 5.9%$129.90
21,900 at 5.91%$130.04
21,900 at 5.92%$130.18
21,900 at 5.93%$130.32
21,900 at 5.94%$130.46
21,900 at 5.95%$130.60
21,900 at 5.96%$130.74
21,900 at 5.97%$130.88
21,900 at 5.98%$131.02
21,900 at 5.99%$131.16
21,900 at 6%$131.30
21,900 at 6.01%$131.44
21,900 at 6.02%$131.58
21,900 at 6.03%$131.72
21,900 at 6.04%$131.87
21,900 at 6.05%$132.01
21,900 at 6.06%$132.15
21,900 at 6.07%$132.29
21,900 at 6.08%$132.43
21,900 at 6.09%$132.57
21,900 at 6.1%$132.71
21,900 at 6.11%$132.85
21,900 at 6.12%$133.00
21,900 at 6.13%$133.14
21,900 at 6.14%$133.28
21,900 at 6.15%$133.42
21,900 at 6.16%$133.56
21,900 at 6.17%$133.70
21,900 at 6.18%$133.85
21,900 at 6.19%$133.99
21,900 at 6.2%$134.13
21,900 at 6.21%$134.27
21,900 at 6.22%$134.42
21,900 at 6.23%$134.56
21,900 at 6.24%$134.70
21,900 at 6.25%$134.84
21,900 at 6.26%$134.98
21,900 at 6.27%$135.13
21,900 at 6.28%$135.27
21,900 at 6.29%$135.41
21,900 at 6.3%$135.56
21,900 at 6.31%$135.70
21,900 at 6.32%$135.84
21,900 at 6.33%$135.98
21,900 at 6.34%$136.13
21,900 at 6.35%$136.27
21,900 at 6.36%$136.41
21,900 at 6.37%$136.56
21,900 at 6.38%$136.70
21,900 at 6.39%$136.84
21,900 at 6.4%$136.99
21,900 at 6.41%$137.13
21,900 at 6.42%$137.27
21,900 at 6.43%$137.42
21,900 at 6.44%$137.56
21,900 at 6.45%$137.70
21,900 at 6.46%$137.85
21,900 at 6.47%$137.99
21,900 at 6.48%$138.13
21,900 at 6.49%$138.28
21,900 at 6.5%$138.42
Interest Rate 30 Year
21,900 at 6.51%$138.57
21,900 at 6.52%$138.71
21,900 at 6.53%$138.86
21,900 at 6.54%$139.00
21,900 at 6.55%$139.14
21,900 at 6.56%$139.29
21,900 at 6.57%$139.43
21,900 at 6.58%$139.58
21,900 at 6.59%$139.72
21,900 at 6.6%$139.87
21,900 at 6.61%$140.01
21,900 at 6.62%$140.16
21,900 at 6.63%$140.30
21,900 at 6.64%$140.45
21,900 at 6.65%$140.59
21,900 at 6.66%$140.74
21,900 at 6.67%$140.88
21,900 at 6.68%$141.03
21,900 at 6.69%$141.17
21,900 at 6.7%$141.32
21,900 at 6.71%$141.46
21,900 at 6.72%$141.61
21,900 at 6.73%$141.75
21,900 at 6.74%$141.90
21,900 at 6.75%$142.04
21,900 at 6.76%$142.19
21,900 at 6.77%$142.33
21,900 at 6.78%$142.48
21,900 at 6.79%$142.63
21,900 at 6.8%$142.77
21,900 at 6.81%$142.92
21,900 at 6.82%$143.06
21,900 at 6.83%$143.21
21,900 at 6.84%$143.36
21,900 at 6.85%$143.50
21,900 at 6.86%$143.65
21,900 at 6.87%$143.79
21,900 at 6.88%$143.94
21,900 at 6.89%$144.09
21,900 at 6.9%$144.23
21,900 at 6.91%$144.38
21,900 at 6.92%$144.53
21,900 at 6.93%$144.67
21,900 at 6.94%$144.82
21,900 at 6.95%$144.97
21,900 at 6.96%$145.11
21,900 at 6.97%$145.26
21,900 at 6.98%$145.41
21,900 at 6.99%$145.55
21,900 at 7%$145.70
21,900 at 7.01%$145.85
21,900 at 7.02%$146.00
21,900 at 7.03%$146.14
21,900 at 7.04%$146.29
21,900 at 7.05%$146.44
21,900 at 7.06%$146.58
21,900 at 7.07%$146.73
21,900 at 7.08%$146.88
21,900 at 7.09%$147.03
21,900 at 7.1%$147.17
21,900 at 7.11%$147.32
21,900 at 7.12%$147.47
21,900 at 7.13%$147.62
21,900 at 7.14%$147.77
21,900 at 7.15%$147.91
21,900 at 7.16%$148.06
21,900 at 7.17%$148.21
21,900 at 7.18%$148.36
21,900 at 7.19%$148.51
21,900 at 7.2%$148.65
21,900 at 7.21%$148.80
21,900 at 7.22%$148.95
21,900 at 7.23%$149.10
21,900 at 7.24%$149.25
21,900 at 7.25%$149.40
21,900 at 7.26%$149.55
21,900 at 7.27%$149.69
21,900 at 7.28%$149.84
21,900 at 7.29%$149.99
21,900 at 7.3%$150.14
21,900 at 7.31%$150.29
21,900 at 7.32%$150.44
21,900 at 7.33%$150.59
21,900 at 7.34%$150.74
21,900 at 7.35%$150.88
21,900 at 7.36%$151.03
21,900 at 7.37%$151.18
21,900 at 7.38%$151.33
21,900 at 7.39%$151.48
21,900 at 7.4%$151.63
21,900 at 7.41%$151.78
21,900 at 7.42%$151.93
21,900 at 7.43%$152.08
21,900 at 7.44%$152.23
21,900 at 7.45%$152.38
21,900 at 7.46%$152.53
21,900 at 7.47%$152.68
21,900 at 7.48%$152.83
21,900 at 7.49%$152.98
21,900 at 7.5%$153.13
21,900 at 7.51%$153.28
21,900 at 7.52%$153.43
21,900 at 7.53%$153.58
21,900 at 7.54%$153.73
21,900 at 7.55%$153.88
21,900 at 7.56%$154.03
21,900 at 7.57%$154.18
21,900 at 7.58%$154.33
21,900 at 7.59%$154.48
21,900 at 7.6%$154.63
21,900 at 7.61%$154.78
21,900 at 7.62%$154.93
21,900 at 7.63%$155.08
21,900 at 7.64%$155.23
21,900 at 7.65%$155.38
21,900 at 7.66%$155.53
21,900 at 7.67%$155.69
21,900 at 7.68%$155.84
21,900 at 7.69%$155.99
21,900 at 7.7%$156.14
21,900 at 7.71%$156.29
21,900 at 7.72%$156.44
21,900 at 7.73%$156.59
21,900 at 7.74%$156.74
21,900 at 7.75%$156.89
21,900 at 7.76%$157.05
21,900 at 7.77%$157.20
21,900 at 7.78%$157.35
21,900 at 7.79%$157.50
21,900 at 7.8%$157.65
21,900 at 7.81%$157.80
21,900 at 7.82%$157.95
21,900 at 7.83%$158.11
21,900 at 7.84%$158.26
21,900 at 7.85%$158.41
21,900 at 7.86%$158.56
21,900 at 7.87%$158.71
21,900 at 7.88%$158.87
21,900 at 7.89%$159.02
21,900 at 7.9%$159.17
21,900 at 7.91%$159.32
21,900 at 7.92%$159.47
21,900 at 7.93%$159.63
21,900 at 7.94%$159.78
21,900 at 7.95%$159.93
21,900 at 7.96%$160.08
21,900 at 7.97%$160.24
21,900 at 7.98%$160.39
21,900 at 7.99%$160.54
21,900 at 8%$160.69
More Amounts
What is the down payment for a $21,900 house? How much do you need to put down?
Percent Down Down Payment
1%219
2%438
3%657
4%876
5%1,095
6%1,314
7%1,533
8%1,752
9%1,971
10%2,190
11%2,409
12%2,628
13%2,847
14%3,066
15%3,285
16%3,504
17%3,723
18%3,942
19%4,161
20%4,380
Percent Down Down Payment
21%4,599
22%4,818
23%5,037
24%5,256
25%5,475
26%5,694
27%5,913
28%6,132
29%6,351
30%6,570
31%6,789
32%7,008
33%7,227
34%7,446
35%7,665
36%7,884
37%8,103
38%8,322
39%8,541
40%8,760
Percent Down Down Payment
41%8,979
42%9,198
43%9,417
44%9,636
45%9,855
46%10,074
47%10,293
48%10,512
49%10,731
50%10,950
51%11,169
52%11,388
53%11,607
54%11,826
55%12,045
56%12,264
57%12,483
58%12,702
59%12,921
60%13,140
Percent Down Down Payment
61%13,359
62%13,578
63%13,797
64%14,016
65%14,235
66%14,454
67%14,673
68%14,892
69%15,111
70%15,330
71%15,549
72%15,768
73%15,987
74%16,206
75%16,425
76%16,644
77%16,863
78%17,082
79%17,301
80%17,520
Percent Down Down Payment
81%17,739
82%17,958
83%18,177
84%18,396
85%18,615
86%18,834
87%19,053
88%19,272
89%19,491
90%19,710
91%19,929
92%20,148
93%20,367
94%20,586
95%20,805
96%21,024
97%21,243
98%21,462
99%21,681
100%21,900
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.