$22,300 Mortgage for 30 Years

What is the monthly payment of a 22,300 dollar loan?
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Loan Tables for a $22,300 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 $22,300 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
22,300 at 2.01%$82.54
22,300 at 2.02%$82.65
22,300 at 2.03%$82.76
22,300 at 2.04%$82.87
22,300 at 2.05%$82.98
22,300 at 2.06%$83.10
22,300 at 2.07%$83.21
22,300 at 2.08%$83.32
22,300 at 2.09%$83.43
22,300 at 2.1%$83.54
22,300 at 2.11%$83.66
22,300 at 2.12%$83.77
22,300 at 2.13%$83.88
22,300 at 2.14%$84.00
22,300 at 2.15%$84.11
22,300 at 2.16%$84.22
22,300 at 2.17%$84.33
22,300 at 2.18%$84.45
22,300 at 2.19%$84.56
22,300 at 2.2%$84.67
22,300 at 2.21%$84.79
22,300 at 2.22%$84.90
22,300 at 2.23%$85.01
22,300 at 2.24%$85.13
22,300 at 2.25%$85.24
22,300 at 2.26%$85.35
22,300 at 2.27%$85.47
22,300 at 2.28%$85.58
22,300 at 2.29%$85.70
22,300 at 2.3%$85.81
22,300 at 2.31%$85.92
22,300 at 2.32%$86.04
22,300 at 2.33%$86.15
22,300 at 2.34%$86.27
22,300 at 2.35%$86.38
22,300 at 2.36%$86.50
22,300 at 2.37%$86.61
22,300 at 2.38%$86.73
22,300 at 2.39%$86.84
22,300 at 2.4%$86.96
22,300 at 2.41%$87.07
22,300 at 2.42%$87.19
22,300 at 2.43%$87.30
22,300 at 2.44%$87.42
22,300 at 2.45%$87.53
22,300 at 2.46%$87.65
22,300 at 2.47%$87.76
22,300 at 2.48%$87.88
22,300 at 2.49%$88.00
22,300 at 2.5%$88.11
22,300 at 2.51%$88.23
22,300 at 2.52%$88.34
22,300 at 2.53%$88.46
22,300 at 2.54%$88.58
22,300 at 2.55%$88.69
22,300 at 2.56%$88.81
22,300 at 2.57%$88.93
22,300 at 2.58%$89.04
22,300 at 2.59%$89.16
22,300 at 2.6%$89.28
22,300 at 2.61%$89.39
22,300 at 2.62%$89.51
22,300 at 2.63%$89.63
22,300 at 2.64%$89.74
22,300 at 2.65%$89.86
22,300 at 2.66%$89.98
22,300 at 2.67%$90.10
22,300 at 2.68%$90.21
22,300 at 2.69%$90.33
22,300 at 2.7%$90.45
22,300 at 2.71%$90.57
22,300 at 2.72%$90.68
22,300 at 2.73%$90.80
22,300 at 2.74%$90.92
22,300 at 2.75%$91.04
22,300 at 2.76%$91.16
22,300 at 2.77%$91.27
22,300 at 2.78%$91.39
22,300 at 2.79%$91.51
22,300 at 2.8%$91.63
22,300 at 2.81%$91.75
22,300 at 2.82%$91.87
22,300 at 2.83%$91.99
22,300 at 2.84%$92.10
22,300 at 2.85%$92.22
22,300 at 2.86%$92.34
22,300 at 2.87%$92.46
22,300 at 2.88%$92.58
22,300 at 2.89%$92.70
22,300 at 2.9%$92.82
22,300 at 2.91%$92.94
22,300 at 2.92%$93.06
22,300 at 2.93%$93.18
22,300 at 2.94%$93.30
22,300 at 2.95%$93.42
22,300 at 2.96%$93.54
22,300 at 2.97%$93.66
22,300 at 2.98%$93.78
22,300 at 2.99%$93.90
22,300 at 3%$94.02
22,300 at 3.01%$94.14
22,300 at 3.02%$94.26
22,300 at 3.03%$94.38
22,300 at 3.04%$94.50
22,300 at 3.05%$94.62
22,300 at 3.06%$94.74
22,300 at 3.07%$94.86
22,300 at 3.08%$94.98
22,300 at 3.09%$95.10
22,300 at 3.1%$95.22
22,300 at 3.11%$95.35
22,300 at 3.12%$95.47
22,300 at 3.13%$95.59
22,300 at 3.14%$95.71
22,300 at 3.15%$95.83
22,300 at 3.16%$95.95
22,300 at 3.17%$96.07
22,300 at 3.18%$96.20
22,300 at 3.19%$96.32
22,300 at 3.2%$96.44
22,300 at 3.21%$96.56
22,300 at 3.22%$96.68
22,300 at 3.23%$96.81
22,300 at 3.24%$96.93
22,300 at 3.25%$97.05
22,300 at 3.26%$97.17
22,300 at 3.27%$97.30
22,300 at 3.28%$97.42
22,300 at 3.29%$97.54
22,300 at 3.3%$97.66
22,300 at 3.31%$97.79
22,300 at 3.32%$97.91
22,300 at 3.33%$98.03
22,300 at 3.34%$98.16
22,300 at 3.35%$98.28
22,300 at 3.36%$98.40
22,300 at 3.37%$98.53
22,300 at 3.38%$98.65
22,300 at 3.39%$98.77
22,300 at 3.4%$98.90
22,300 at 3.41%$99.02
22,300 at 3.42%$99.14
22,300 at 3.43%$99.27
22,300 at 3.44%$99.39
22,300 at 3.45%$99.52
22,300 at 3.46%$99.64
22,300 at 3.47%$99.76
22,300 at 3.48%$99.89
22,300 at 3.49%$100.01
22,300 at 3.5%$100.14
Interest Rate 30 Year
22,300 at 3.51%$100.26
22,300 at 3.52%$100.39
22,300 at 3.53%$100.51
22,300 at 3.54%$100.64
22,300 at 3.55%$100.76
22,300 at 3.56%$100.89
22,300 at 3.57%$101.01
22,300 at 3.58%$101.14
22,300 at 3.59%$101.26
22,300 at 3.6%$101.39
22,300 at 3.61%$101.51
22,300 at 3.62%$101.64
22,300 at 3.63%$101.76
22,300 at 3.64%$101.89
22,300 at 3.65%$102.01
22,300 at 3.66%$102.14
22,300 at 3.67%$102.27
22,300 at 3.68%$102.39
22,300 at 3.69%$102.52
22,300 at 3.7%$102.64
22,300 at 3.71%$102.77
22,300 at 3.72%$102.90
22,300 at 3.73%$103.02
22,300 at 3.74%$103.15
22,300 at 3.75%$103.27
22,300 at 3.76%$103.40
22,300 at 3.77%$103.53
22,300 at 3.78%$103.65
22,300 at 3.79%$103.78
22,300 at 3.8%$103.91
22,300 at 3.81%$104.04
22,300 at 3.82%$104.16
22,300 at 3.83%$104.29
22,300 at 3.84%$104.42
22,300 at 3.85%$104.54
22,300 at 3.86%$104.67
22,300 at 3.87%$104.80
22,300 at 3.88%$104.93
22,300 at 3.89%$105.05
22,300 at 3.9%$105.18
22,300 at 3.91%$105.31
22,300 at 3.92%$105.44
22,300 at 3.93%$105.57
22,300 at 3.94%$105.69
22,300 at 3.95%$105.82
22,300 at 3.96%$105.95
22,300 at 3.97%$106.08
22,300 at 3.98%$106.21
22,300 at 3.99%$106.34
22,300 at 4%$106.46
22,300 at 4.01%$106.59
22,300 at 4.02%$106.72
22,300 at 4.03%$106.85
22,300 at 4.04%$106.98
22,300 at 4.05%$107.11
22,300 at 4.06%$107.24
22,300 at 4.07%$107.37
22,300 at 4.08%$107.49
22,300 at 4.09%$107.62
22,300 at 4.1%$107.75
22,300 at 4.11%$107.88
22,300 at 4.12%$108.01
22,300 at 4.13%$108.14
22,300 at 4.14%$108.27
22,300 at 4.15%$108.40
22,300 at 4.16%$108.53
22,300 at 4.17%$108.66
22,300 at 4.18%$108.79
22,300 at 4.19%$108.92
22,300 at 4.2%$109.05
22,300 at 4.21%$109.18
22,300 at 4.22%$109.31
22,300 at 4.23%$109.44
22,300 at 4.24%$109.57
22,300 at 4.25%$109.70
22,300 at 4.26%$109.83
22,300 at 4.27%$109.96
22,300 at 4.28%$110.09
22,300 at 4.29%$110.23
22,300 at 4.3%$110.36
22,300 at 4.31%$110.49
22,300 at 4.32%$110.62
22,300 at 4.33%$110.75
22,300 at 4.34%$110.88
22,300 at 4.35%$111.01
22,300 at 4.36%$111.14
22,300 at 4.37%$111.27
22,300 at 4.38%$111.41
22,300 at 4.39%$111.54
22,300 at 4.4%$111.67
22,300 at 4.41%$111.80
22,300 at 4.42%$111.93
22,300 at 4.43%$112.07
22,300 at 4.44%$112.20
22,300 at 4.45%$112.33
22,300 at 4.46%$112.46
22,300 at 4.47%$112.59
22,300 at 4.48%$112.73
22,300 at 4.49%$112.86
22,300 at 4.5%$112.99
22,300 at 4.51%$113.12
22,300 at 4.52%$113.26
22,300 at 4.53%$113.39
22,300 at 4.54%$113.52
22,300 at 4.55%$113.65
22,300 at 4.56%$113.79
22,300 at 4.57%$113.92
22,300 at 4.58%$114.05
22,300 at 4.59%$114.19
22,300 at 4.6%$114.32
22,300 at 4.61%$114.45
22,300 at 4.62%$114.59
22,300 at 4.63%$114.72
22,300 at 4.64%$114.85
22,300 at 4.65%$114.99
22,300 at 4.66%$115.12
22,300 at 4.67%$115.25
22,300 at 4.68%$115.39
22,300 at 4.69%$115.52
22,300 at 4.7%$115.66
22,300 at 4.71%$115.79
22,300 at 4.72%$115.92
22,300 at 4.73%$116.06
22,300 at 4.74%$116.19
22,300 at 4.75%$116.33
22,300 at 4.76%$116.46
22,300 at 4.77%$116.60
22,300 at 4.78%$116.73
22,300 at 4.79%$116.87
22,300 at 4.8%$117.00
22,300 at 4.81%$117.14
22,300 at 4.82%$117.27
22,300 at 4.83%$117.41
22,300 at 4.84%$117.54
22,300 at 4.85%$117.68
22,300 at 4.86%$117.81
22,300 at 4.87%$117.95
22,300 at 4.88%$118.08
22,300 at 4.89%$118.22
22,300 at 4.9%$118.35
22,300 at 4.91%$118.49
22,300 at 4.92%$118.62
22,300 at 4.93%$118.76
22,300 at 4.94%$118.89
22,300 at 4.95%$119.03
22,300 at 4.96%$119.17
22,300 at 4.97%$119.30
22,300 at 4.98%$119.44
22,300 at 4.99%$119.57
22,300 at 5%$119.71
Interest Rate 30 Year
22,300 at 5.01%$119.85
22,300 at 5.02%$119.98
22,300 at 5.03%$120.12
22,300 at 5.04%$120.26
22,300 at 5.05%$120.39
22,300 at 5.06%$120.53
22,300 at 5.07%$120.67
22,300 at 5.08%$120.80
22,300 at 5.09%$120.94
22,300 at 5.1%$121.08
22,300 at 5.11%$121.21
22,300 at 5.12%$121.35
22,300 at 5.13%$121.49
22,300 at 5.14%$121.63
22,300 at 5.15%$121.76
22,300 at 5.16%$121.90
22,300 at 5.17%$122.04
22,300 at 5.18%$122.18
22,300 at 5.19%$122.31
22,300 at 5.2%$122.45
22,300 at 5.21%$122.59
22,300 at 5.22%$122.73
22,300 at 5.23%$122.87
22,300 at 5.24%$123.00
22,300 at 5.25%$123.14
22,300 at 5.26%$123.28
22,300 at 5.27%$123.42
22,300 at 5.28%$123.56
22,300 at 5.29%$123.69
22,300 at 5.3%$123.83
22,300 at 5.31%$123.97
22,300 at 5.32%$124.11
22,300 at 5.33%$124.25
22,300 at 5.34%$124.39
22,300 at 5.35%$124.53
22,300 at 5.36%$124.67
22,300 at 5.37%$124.80
22,300 at 5.38%$124.94
22,300 at 5.39%$125.08
22,300 at 5.4%$125.22
22,300 at 5.41%$125.36
22,300 at 5.42%$125.50
22,300 at 5.43%$125.64
22,300 at 5.44%$125.78
22,300 at 5.45%$125.92
22,300 at 5.46%$126.06
22,300 at 5.47%$126.20
22,300 at 5.48%$126.34
22,300 at 5.49%$126.48
22,300 at 5.5%$126.62
22,300 at 5.51%$126.76
22,300 at 5.52%$126.90
22,300 at 5.53%$127.04
22,300 at 5.54%$127.18
22,300 at 5.55%$127.32
22,300 at 5.56%$127.46
22,300 at 5.57%$127.60
22,300 at 5.58%$127.74
22,300 at 5.59%$127.88
22,300 at 5.6%$128.02
22,300 at 5.61%$128.16
22,300 at 5.62%$128.30
22,300 at 5.63%$128.44
22,300 at 5.64%$128.58
22,300 at 5.65%$128.72
22,300 at 5.66%$128.86
22,300 at 5.67%$129.01
22,300 at 5.68%$129.15
22,300 at 5.69%$129.29
22,300 at 5.7%$129.43
22,300 at 5.71%$129.57
22,300 at 5.72%$129.71
22,300 at 5.73%$129.85
22,300 at 5.74%$130.00
22,300 at 5.75%$130.14
22,300 at 5.76%$130.28
22,300 at 5.77%$130.42
22,300 at 5.78%$130.56
22,300 at 5.79%$130.70
22,300 at 5.8%$130.85
22,300 at 5.81%$130.99
22,300 at 5.82%$131.13
22,300 at 5.83%$131.27
22,300 at 5.84%$131.41
22,300 at 5.85%$131.56
22,300 at 5.86%$131.70
22,300 at 5.87%$131.84
22,300 at 5.88%$131.98
22,300 at 5.89%$132.13
22,300 at 5.9%$132.27
22,300 at 5.91%$132.41
22,300 at 5.92%$132.55
22,300 at 5.93%$132.70
22,300 at 5.94%$132.84
22,300 at 5.95%$132.98
22,300 at 5.96%$133.13
22,300 at 5.97%$133.27
22,300 at 5.98%$133.41
22,300 at 5.99%$133.56
22,300 at 6%$133.70
22,300 at 6.01%$133.84
22,300 at 6.02%$133.99
22,300 at 6.03%$134.13
22,300 at 6.04%$134.27
22,300 at 6.05%$134.42
22,300 at 6.06%$134.56
22,300 at 6.07%$134.71
22,300 at 6.08%$134.85
22,300 at 6.09%$134.99
22,300 at 6.1%$135.14
22,300 at 6.11%$135.28
22,300 at 6.12%$135.43
22,300 at 6.13%$135.57
22,300 at 6.14%$135.71
22,300 at 6.15%$135.86
22,300 at 6.16%$136.00
22,300 at 6.17%$136.15
22,300 at 6.18%$136.29
22,300 at 6.19%$136.44
22,300 at 6.2%$136.58
22,300 at 6.21%$136.73
22,300 at 6.22%$136.87
22,300 at 6.23%$137.01
22,300 at 6.24%$137.16
22,300 at 6.25%$137.30
22,300 at 6.26%$137.45
22,300 at 6.27%$137.60
22,300 at 6.28%$137.74
22,300 at 6.29%$137.89
22,300 at 6.3%$138.03
22,300 at 6.31%$138.18
22,300 at 6.32%$138.32
22,300 at 6.33%$138.47
22,300 at 6.34%$138.61
22,300 at 6.35%$138.76
22,300 at 6.36%$138.90
22,300 at 6.37%$139.05
22,300 at 6.38%$139.20
22,300 at 6.39%$139.34
22,300 at 6.4%$139.49
22,300 at 6.41%$139.63
22,300 at 6.42%$139.78
22,300 at 6.43%$139.93
22,300 at 6.44%$140.07
22,300 at 6.45%$140.22
22,300 at 6.46%$140.37
22,300 at 6.47%$140.51
22,300 at 6.48%$140.66
22,300 at 6.49%$140.80
22,300 at 6.5%$140.95
Interest Rate 30 Year
22,300 at 6.51%$141.10
22,300 at 6.52%$141.24
22,300 at 6.53%$141.39
22,300 at 6.54%$141.54
22,300 at 6.55%$141.69
22,300 at 6.56%$141.83
22,300 at 6.57%$141.98
22,300 at 6.58%$142.13
22,300 at 6.59%$142.27
22,300 at 6.6%$142.42
22,300 at 6.61%$142.57
22,300 at 6.62%$142.72
22,300 at 6.63%$142.86
22,300 at 6.64%$143.01
22,300 at 6.65%$143.16
22,300 at 6.66%$143.31
22,300 at 6.67%$143.45
22,300 at 6.68%$143.60
22,300 at 6.69%$143.75
22,300 at 6.7%$143.90
22,300 at 6.71%$144.04
22,300 at 6.72%$144.19
22,300 at 6.73%$144.34
22,300 at 6.74%$144.49
22,300 at 6.75%$144.64
22,300 at 6.76%$144.79
22,300 at 6.77%$144.93
22,300 at 6.78%$145.08
22,300 at 6.79%$145.23
22,300 at 6.8%$145.38
22,300 at 6.81%$145.53
22,300 at 6.82%$145.68
22,300 at 6.83%$145.83
22,300 at 6.84%$145.97
22,300 at 6.85%$146.12
22,300 at 6.86%$146.27
22,300 at 6.87%$146.42
22,300 at 6.88%$146.57
22,300 at 6.89%$146.72
22,300 at 6.9%$146.87
22,300 at 6.91%$147.02
22,300 at 6.92%$147.17
22,300 at 6.93%$147.32
22,300 at 6.94%$147.46
22,300 at 6.95%$147.61
22,300 at 6.96%$147.76
22,300 at 6.97%$147.91
22,300 at 6.98%$148.06
22,300 at 6.99%$148.21
22,300 at 7%$148.36
22,300 at 7.01%$148.51
22,300 at 7.02%$148.66
22,300 at 7.03%$148.81
22,300 at 7.04%$148.96
22,300 at 7.05%$149.11
22,300 at 7.06%$149.26
22,300 at 7.07%$149.41
22,300 at 7.08%$149.56
22,300 at 7.09%$149.71
22,300 at 7.1%$149.86
22,300 at 7.11%$150.01
22,300 at 7.12%$150.16
22,300 at 7.13%$150.31
22,300 at 7.14%$150.47
22,300 at 7.15%$150.62
22,300 at 7.16%$150.77
22,300 at 7.17%$150.92
22,300 at 7.18%$151.07
22,300 at 7.19%$151.22
22,300 at 7.2%$151.37
22,300 at 7.21%$151.52
22,300 at 7.22%$151.67
22,300 at 7.23%$151.82
22,300 at 7.24%$151.97
22,300 at 7.25%$152.13
22,300 at 7.26%$152.28
22,300 at 7.27%$152.43
22,300 at 7.28%$152.58
22,300 at 7.29%$152.73
22,300 at 7.3%$152.88
22,300 at 7.31%$153.03
22,300 at 7.32%$153.19
22,300 at 7.33%$153.34
22,300 at 7.34%$153.49
22,300 at 7.35%$153.64
22,300 at 7.36%$153.79
22,300 at 7.37%$153.94
22,300 at 7.38%$154.10
22,300 at 7.39%$154.25
22,300 at 7.4%$154.40
22,300 at 7.41%$154.55
22,300 at 7.42%$154.71
22,300 at 7.43%$154.86
22,300 at 7.44%$155.01
22,300 at 7.45%$155.16
22,300 at 7.46%$155.31
22,300 at 7.47%$155.47
22,300 at 7.48%$155.62
22,300 at 7.49%$155.77
22,300 at 7.5%$155.92
22,300 at 7.51%$156.08
22,300 at 7.52%$156.23
22,300 at 7.53%$156.38
22,300 at 7.54%$156.54
22,300 at 7.55%$156.69
22,300 at 7.56%$156.84
22,300 at 7.57%$157.00
22,300 at 7.58%$157.15
22,300 at 7.59%$157.30
22,300 at 7.6%$157.45
22,300 at 7.61%$157.61
22,300 at 7.62%$157.76
22,300 at 7.63%$157.91
22,300 at 7.64%$158.07
22,300 at 7.65%$158.22
22,300 at 7.66%$158.38
22,300 at 7.67%$158.53
22,300 at 7.68%$158.68
22,300 at 7.69%$158.84
22,300 at 7.7%$158.99
22,300 at 7.71%$159.14
22,300 at 7.72%$159.30
22,300 at 7.73%$159.45
22,300 at 7.74%$159.61
22,300 at 7.75%$159.76
22,300 at 7.76%$159.91
22,300 at 7.77%$160.07
22,300 at 7.78%$160.22
22,300 at 7.79%$160.38
22,300 at 7.8%$160.53
22,300 at 7.81%$160.69
22,300 at 7.82%$160.84
22,300 at 7.83%$160.99
22,300 at 7.84%$161.15
22,300 at 7.85%$161.30
22,300 at 7.86%$161.46
22,300 at 7.87%$161.61
22,300 at 7.88%$161.77
22,300 at 7.89%$161.92
22,300 at 7.9%$162.08
22,300 at 7.91%$162.23
22,300 at 7.92%$162.39
22,300 at 7.93%$162.54
22,300 at 7.94%$162.70
22,300 at 7.95%$162.85
22,300 at 7.96%$163.01
22,300 at 7.97%$163.16
22,300 at 7.98%$163.32
22,300 at 7.99%$163.47
22,300 at 8%$163.63
More Amounts
What is the down payment for a $22,300 house? How much do you need to put down?
Percent Down Down Payment
1%223
2%446
3%669
4%892
5%1,115
6%1,338
7%1,561
8%1,784
9%2,007
10%2,230
11%2,453
12%2,676
13%2,899
14%3,122
15%3,345
16%3,568
17%3,791
18%4,014
19%4,237
20%4,460
Percent Down Down Payment
21%4,683
22%4,906
23%5,129
24%5,352
25%5,575
26%5,798
27%6,021
28%6,244
29%6,467
30%6,690
31%6,913
32%7,136
33%7,359
34%7,582
35%7,805
36%8,028
37%8,251
38%8,474
39%8,697
40%8,920
Percent Down Down Payment
41%9,143
42%9,366
43%9,589
44%9,812
45%10,035
46%10,258
47%10,481
48%10,704
49%10,927
50%11,150
51%11,373
52%11,596
53%11,819
54%12,042
55%12,265
56%12,488
57%12,711
58%12,934
59%13,157
60%13,380
Percent Down Down Payment
61%13,603
62%13,826
63%14,049
64%14,272
65%14,495
66%14,718
67%14,941
68%15,164
69%15,387
70%15,610
71%15,833
72%16,056
73%16,279
74%16,502
75%16,725
76%16,948
77%17,171
78%17,394
79%17,617
80%17,840
Percent Down Down Payment
81%18,063
82%18,286
83%18,509
84%18,732
85%18,955
86%19,178
87%19,401
88%19,624
89%19,847
90%20,070
91%20,293
92%20,516
93%20,739
94%20,962
95%21,185
96%21,408
97%21,631
98%21,854
99%22,077
100%22,300
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.