$22,350 Mortgage for 30 Years

What is the monthly payment of a 22,350 dollar loan?
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Loan Tables for a $22,350 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 $22,350 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
22,350 at 2.01%$82.72
22,350 at 2.02%$82.83
22,350 at 2.03%$82.95
22,350 at 2.04%$83.06
22,350 at 2.05%$83.17
22,350 at 2.06%$83.28
22,350 at 2.07%$83.39
22,350 at 2.08%$83.51
22,350 at 2.09%$83.62
22,350 at 2.1%$83.73
22,350 at 2.11%$83.84
22,350 at 2.12%$83.96
22,350 at 2.13%$84.07
22,350 at 2.14%$84.18
22,350 at 2.15%$84.30
22,350 at 2.16%$84.41
22,350 at 2.17%$84.52
22,350 at 2.18%$84.64
22,350 at 2.19%$84.75
22,350 at 2.2%$84.86
22,350 at 2.21%$84.98
22,350 at 2.22%$85.09
22,350 at 2.23%$85.20
22,350 at 2.24%$85.32
22,350 at 2.25%$85.43
22,350 at 2.26%$85.55
22,350 at 2.27%$85.66
22,350 at 2.28%$85.77
22,350 at 2.29%$85.89
22,350 at 2.3%$86.00
22,350 at 2.31%$86.12
22,350 at 2.32%$86.23
22,350 at 2.33%$86.35
22,350 at 2.34%$86.46
22,350 at 2.35%$86.58
22,350 at 2.36%$86.69
22,350 at 2.37%$86.81
22,350 at 2.38%$86.92
22,350 at 2.39%$87.04
22,350 at 2.4%$87.15
22,350 at 2.41%$87.27
22,350 at 2.42%$87.38
22,350 at 2.43%$87.50
22,350 at 2.44%$87.61
22,350 at 2.45%$87.73
22,350 at 2.46%$87.85
22,350 at 2.47%$87.96
22,350 at 2.48%$88.08
22,350 at 2.49%$88.19
22,350 at 2.5%$88.31
22,350 at 2.51%$88.43
22,350 at 2.52%$88.54
22,350 at 2.53%$88.66
22,350 at 2.54%$88.78
22,350 at 2.55%$88.89
22,350 at 2.56%$89.01
22,350 at 2.57%$89.13
22,350 at 2.58%$89.24
22,350 at 2.59%$89.36
22,350 at 2.6%$89.48
22,350 at 2.61%$89.59
22,350 at 2.62%$89.71
22,350 at 2.63%$89.83
22,350 at 2.64%$89.94
22,350 at 2.65%$90.06
22,350 at 2.66%$90.18
22,350 at 2.67%$90.30
22,350 at 2.68%$90.42
22,350 at 2.69%$90.53
22,350 at 2.7%$90.65
22,350 at 2.71%$90.77
22,350 at 2.72%$90.89
22,350 at 2.73%$91.01
22,350 at 2.74%$91.12
22,350 at 2.75%$91.24
22,350 at 2.76%$91.36
22,350 at 2.77%$91.48
22,350 at 2.78%$91.60
22,350 at 2.79%$91.72
22,350 at 2.8%$91.83
22,350 at 2.81%$91.95
22,350 at 2.82%$92.07
22,350 at 2.83%$92.19
22,350 at 2.84%$92.31
22,350 at 2.85%$92.43
22,350 at 2.86%$92.55
22,350 at 2.87%$92.67
22,350 at 2.88%$92.79
22,350 at 2.89%$92.91
22,350 at 2.9%$93.03
22,350 at 2.91%$93.15
22,350 at 2.92%$93.27
22,350 at 2.93%$93.39
22,350 at 2.94%$93.51
22,350 at 2.95%$93.63
22,350 at 2.96%$93.75
22,350 at 2.97%$93.87
22,350 at 2.98%$93.99
22,350 at 2.99%$94.11
22,350 at 3%$94.23
22,350 at 3.01%$94.35
22,350 at 3.02%$94.47
22,350 at 3.03%$94.59
22,350 at 3.04%$94.71
22,350 at 3.05%$94.83
22,350 at 3.06%$94.95
22,350 at 3.07%$95.07
22,350 at 3.08%$95.20
22,350 at 3.09%$95.32
22,350 at 3.1%$95.44
22,350 at 3.11%$95.56
22,350 at 3.12%$95.68
22,350 at 3.13%$95.80
22,350 at 3.14%$95.92
22,350 at 3.15%$96.05
22,350 at 3.16%$96.17
22,350 at 3.17%$96.29
22,350 at 3.18%$96.41
22,350 at 3.19%$96.53
22,350 at 3.2%$96.66
22,350 at 3.21%$96.78
22,350 at 3.22%$96.90
22,350 at 3.23%$97.02
22,350 at 3.24%$97.15
22,350 at 3.25%$97.27
22,350 at 3.26%$97.39
22,350 at 3.27%$97.51
22,350 at 3.28%$97.64
22,350 at 3.29%$97.76
22,350 at 3.3%$97.88
22,350 at 3.31%$98.01
22,350 at 3.32%$98.13
22,350 at 3.33%$98.25
22,350 at 3.34%$98.38
22,350 at 3.35%$98.50
22,350 at 3.36%$98.62
22,350 at 3.37%$98.75
22,350 at 3.38%$98.87
22,350 at 3.39%$98.99
22,350 at 3.4%$99.12
22,350 at 3.41%$99.24
22,350 at 3.42%$99.37
22,350 at 3.43%$99.49
22,350 at 3.44%$99.61
22,350 at 3.45%$99.74
22,350 at 3.46%$99.86
22,350 at 3.47%$99.99
22,350 at 3.48%$100.11
22,350 at 3.49%$100.24
22,350 at 3.5%$100.36
Interest Rate 30 Year
22,350 at 3.51%$100.49
22,350 at 3.52%$100.61
22,350 at 3.53%$100.74
22,350 at 3.54%$100.86
22,350 at 3.55%$100.99
22,350 at 3.56%$101.11
22,350 at 3.57%$101.24
22,350 at 3.58%$101.36
22,350 at 3.59%$101.49
22,350 at 3.6%$101.61
22,350 at 3.61%$101.74
22,350 at 3.62%$101.86
22,350 at 3.63%$101.99
22,350 at 3.64%$102.12
22,350 at 3.65%$102.24
22,350 at 3.66%$102.37
22,350 at 3.67%$102.49
22,350 at 3.68%$102.62
22,350 at 3.69%$102.75
22,350 at 3.7%$102.87
22,350 at 3.71%$103.00
22,350 at 3.72%$103.13
22,350 at 3.73%$103.25
22,350 at 3.74%$103.38
22,350 at 3.75%$103.51
22,350 at 3.76%$103.63
22,350 at 3.77%$103.76
22,350 at 3.78%$103.89
22,350 at 3.79%$104.01
22,350 at 3.8%$104.14
22,350 at 3.81%$104.27
22,350 at 3.82%$104.40
22,350 at 3.83%$104.52
22,350 at 3.84%$104.65
22,350 at 3.85%$104.78
22,350 at 3.86%$104.91
22,350 at 3.87%$105.03
22,350 at 3.88%$105.16
22,350 at 3.89%$105.29
22,350 at 3.9%$105.42
22,350 at 3.91%$105.55
22,350 at 3.92%$105.67
22,350 at 3.93%$105.80
22,350 at 3.94%$105.93
22,350 at 3.95%$106.06
22,350 at 3.96%$106.19
22,350 at 3.97%$106.32
22,350 at 3.98%$106.44
22,350 at 3.99%$106.57
22,350 at 4%$106.70
22,350 at 4.01%$106.83
22,350 at 4.02%$106.96
22,350 at 4.03%$107.09
22,350 at 4.04%$107.22
22,350 at 4.05%$107.35
22,350 at 4.06%$107.48
22,350 at 4.07%$107.61
22,350 at 4.08%$107.74
22,350 at 4.09%$107.87
22,350 at 4.1%$107.99
22,350 at 4.11%$108.12
22,350 at 4.12%$108.25
22,350 at 4.13%$108.38
22,350 at 4.14%$108.51
22,350 at 4.15%$108.64
22,350 at 4.16%$108.77
22,350 at 4.17%$108.90
22,350 at 4.18%$109.03
22,350 at 4.19%$109.16
22,350 at 4.2%$109.30
22,350 at 4.21%$109.43
22,350 at 4.22%$109.56
22,350 at 4.23%$109.69
22,350 at 4.24%$109.82
22,350 at 4.25%$109.95
22,350 at 4.26%$110.08
22,350 at 4.27%$110.21
22,350 at 4.28%$110.34
22,350 at 4.29%$110.47
22,350 at 4.3%$110.60
22,350 at 4.31%$110.74
22,350 at 4.32%$110.87
22,350 at 4.33%$111.00
22,350 at 4.34%$111.13
22,350 at 4.35%$111.26
22,350 at 4.36%$111.39
22,350 at 4.37%$111.52
22,350 at 4.38%$111.66
22,350 at 4.39%$111.79
22,350 at 4.4%$111.92
22,350 at 4.41%$112.05
22,350 at 4.42%$112.18
22,350 at 4.43%$112.32
22,350 at 4.44%$112.45
22,350 at 4.45%$112.58
22,350 at 4.46%$112.71
22,350 at 4.47%$112.85
22,350 at 4.48%$112.98
22,350 at 4.49%$113.11
22,350 at 4.5%$113.24
22,350 at 4.51%$113.38
22,350 at 4.52%$113.51
22,350 at 4.53%$113.64
22,350 at 4.54%$113.78
22,350 at 4.55%$113.91
22,350 at 4.56%$114.04
22,350 at 4.57%$114.18
22,350 at 4.58%$114.31
22,350 at 4.59%$114.44
22,350 at 4.6%$114.58
22,350 at 4.61%$114.71
22,350 at 4.62%$114.84
22,350 at 4.63%$114.98
22,350 at 4.64%$115.11
22,350 at 4.65%$115.24
22,350 at 4.66%$115.38
22,350 at 4.67%$115.51
22,350 at 4.68%$115.65
22,350 at 4.69%$115.78
22,350 at 4.7%$115.92
22,350 at 4.71%$116.05
22,350 at 4.72%$116.18
22,350 at 4.73%$116.32
22,350 at 4.74%$116.45
22,350 at 4.75%$116.59
22,350 at 4.76%$116.72
22,350 at 4.77%$116.86
22,350 at 4.78%$116.99
22,350 at 4.79%$117.13
22,350 at 4.8%$117.26
22,350 at 4.81%$117.40
22,350 at 4.82%$117.53
22,350 at 4.83%$117.67
22,350 at 4.84%$117.80
22,350 at 4.85%$117.94
22,350 at 4.86%$118.07
22,350 at 4.87%$118.21
22,350 at 4.88%$118.35
22,350 at 4.89%$118.48
22,350 at 4.9%$118.62
22,350 at 4.91%$118.75
22,350 at 4.92%$118.89
22,350 at 4.93%$119.03
22,350 at 4.94%$119.16
22,350 at 4.95%$119.30
22,350 at 4.96%$119.43
22,350 at 4.97%$119.57
22,350 at 4.98%$119.71
22,350 at 4.99%$119.84
22,350 at 5%$119.98
Interest Rate 30 Year
22,350 at 5.01%$120.12
22,350 at 5.02%$120.25
22,350 at 5.03%$120.39
22,350 at 5.04%$120.53
22,350 at 5.05%$120.66
22,350 at 5.06%$120.80
22,350 at 5.07%$120.94
22,350 at 5.08%$121.07
22,350 at 5.09%$121.21
22,350 at 5.1%$121.35
22,350 at 5.11%$121.49
22,350 at 5.12%$121.62
22,350 at 5.13%$121.76
22,350 at 5.14%$121.90
22,350 at 5.15%$122.04
22,350 at 5.16%$122.17
22,350 at 5.17%$122.31
22,350 at 5.18%$122.45
22,350 at 5.19%$122.59
22,350 at 5.2%$122.73
22,350 at 5.21%$122.86
22,350 at 5.22%$123.00
22,350 at 5.23%$123.14
22,350 at 5.24%$123.28
22,350 at 5.25%$123.42
22,350 at 5.26%$123.56
22,350 at 5.27%$123.69
22,350 at 5.28%$123.83
22,350 at 5.29%$123.97
22,350 at 5.3%$124.11
22,350 at 5.31%$124.25
22,350 at 5.32%$124.39
22,350 at 5.33%$124.53
22,350 at 5.34%$124.67
22,350 at 5.35%$124.81
22,350 at 5.36%$124.94
22,350 at 5.37%$125.08
22,350 at 5.38%$125.22
22,350 at 5.39%$125.36
22,350 at 5.4%$125.50
22,350 at 5.41%$125.64
22,350 at 5.42%$125.78
22,350 at 5.43%$125.92
22,350 at 5.44%$126.06
22,350 at 5.45%$126.20
22,350 at 5.46%$126.34
22,350 at 5.47%$126.48
22,350 at 5.48%$126.62
22,350 at 5.49%$126.76
22,350 at 5.5%$126.90
22,350 at 5.51%$127.04
22,350 at 5.52%$127.18
22,350 at 5.53%$127.32
22,350 at 5.54%$127.46
22,350 at 5.55%$127.60
22,350 at 5.56%$127.74
22,350 at 5.57%$127.88
22,350 at 5.58%$128.02
22,350 at 5.59%$128.17
22,350 at 5.6%$128.31
22,350 at 5.61%$128.45
22,350 at 5.62%$128.59
22,350 at 5.63%$128.73
22,350 at 5.64%$128.87
22,350 at 5.65%$129.01
22,350 at 5.66%$129.15
22,350 at 5.67%$129.29
22,350 at 5.68%$129.44
22,350 at 5.69%$129.58
22,350 at 5.7%$129.72
22,350 at 5.71%$129.86
22,350 at 5.72%$130.00
22,350 at 5.73%$130.14
22,350 at 5.74%$130.29
22,350 at 5.75%$130.43
22,350 at 5.76%$130.57
22,350 at 5.77%$130.71
22,350 at 5.78%$130.85
22,350 at 5.79%$131.00
22,350 at 5.8%$131.14
22,350 at 5.81%$131.28
22,350 at 5.82%$131.42
22,350 at 5.83%$131.57
22,350 at 5.84%$131.71
22,350 at 5.85%$131.85
22,350 at 5.86%$131.99
22,350 at 5.87%$132.14
22,350 at 5.88%$132.28
22,350 at 5.89%$132.42
22,350 at 5.9%$132.57
22,350 at 5.91%$132.71
22,350 at 5.92%$132.85
22,350 at 5.93%$133.00
22,350 at 5.94%$133.14
22,350 at 5.95%$133.28
22,350 at 5.96%$133.43
22,350 at 5.97%$133.57
22,350 at 5.98%$133.71
22,350 at 5.99%$133.86
22,350 at 6%$134.00
22,350 at 6.01%$134.14
22,350 at 6.02%$134.29
22,350 at 6.03%$134.43
22,350 at 6.04%$134.57
22,350 at 6.05%$134.72
22,350 at 6.06%$134.86
22,350 at 6.07%$135.01
22,350 at 6.08%$135.15
22,350 at 6.09%$135.30
22,350 at 6.1%$135.44
22,350 at 6.11%$135.58
22,350 at 6.12%$135.73
22,350 at 6.13%$135.87
22,350 at 6.14%$136.02
22,350 at 6.15%$136.16
22,350 at 6.16%$136.31
22,350 at 6.17%$136.45
22,350 at 6.18%$136.60
22,350 at 6.19%$136.74
22,350 at 6.2%$136.89
22,350 at 6.21%$137.03
22,350 at 6.22%$137.18
22,350 at 6.23%$137.32
22,350 at 6.24%$137.47
22,350 at 6.25%$137.61
22,350 at 6.26%$137.76
22,350 at 6.27%$137.90
22,350 at 6.28%$138.05
22,350 at 6.29%$138.19
22,350 at 6.3%$138.34
22,350 at 6.31%$138.49
22,350 at 6.32%$138.63
22,350 at 6.33%$138.78
22,350 at 6.34%$138.92
22,350 at 6.35%$139.07
22,350 at 6.36%$139.22
22,350 at 6.37%$139.36
22,350 at 6.38%$139.51
22,350 at 6.39%$139.65
22,350 at 6.4%$139.80
22,350 at 6.41%$139.95
22,350 at 6.42%$140.09
22,350 at 6.43%$140.24
22,350 at 6.44%$140.39
22,350 at 6.45%$140.53
22,350 at 6.46%$140.68
22,350 at 6.47%$140.83
22,350 at 6.48%$140.97
22,350 at 6.49%$141.12
22,350 at 6.5%$141.27
Interest Rate 30 Year
22,350 at 6.51%$141.41
22,350 at 6.52%$141.56
22,350 at 6.53%$141.71
22,350 at 6.54%$141.86
22,350 at 6.55%$142.00
22,350 at 6.56%$142.15
22,350 at 6.57%$142.30
22,350 at 6.58%$142.45
22,350 at 6.59%$142.59
22,350 at 6.6%$142.74
22,350 at 6.61%$142.89
22,350 at 6.62%$143.04
22,350 at 6.63%$143.18
22,350 at 6.64%$143.33
22,350 at 6.65%$143.48
22,350 at 6.66%$143.63
22,350 at 6.67%$143.78
22,350 at 6.68%$143.92
22,350 at 6.69%$144.07
22,350 at 6.7%$144.22
22,350 at 6.71%$144.37
22,350 at 6.72%$144.52
22,350 at 6.73%$144.66
22,350 at 6.74%$144.81
22,350 at 6.75%$144.96
22,350 at 6.76%$145.11
22,350 at 6.77%$145.26
22,350 at 6.78%$145.41
22,350 at 6.79%$145.56
22,350 at 6.8%$145.71
22,350 at 6.81%$145.85
22,350 at 6.82%$146.00
22,350 at 6.83%$146.15
22,350 at 6.84%$146.30
22,350 at 6.85%$146.45
22,350 at 6.86%$146.60
22,350 at 6.87%$146.75
22,350 at 6.88%$146.90
22,350 at 6.89%$147.05
22,350 at 6.9%$147.20
22,350 at 6.91%$147.35
22,350 at 6.92%$147.50
22,350 at 6.93%$147.65
22,350 at 6.94%$147.80
22,350 at 6.95%$147.95
22,350 at 6.96%$148.10
22,350 at 6.97%$148.25
22,350 at 6.98%$148.40
22,350 at 6.99%$148.55
22,350 at 7%$148.70
22,350 at 7.01%$148.85
22,350 at 7.02%$149.00
22,350 at 7.03%$149.15
22,350 at 7.04%$149.30
22,350 at 7.05%$149.45
22,350 at 7.06%$149.60
22,350 at 7.07%$149.75
22,350 at 7.08%$149.90
22,350 at 7.09%$150.05
22,350 at 7.1%$150.20
22,350 at 7.11%$150.35
22,350 at 7.12%$150.50
22,350 at 7.13%$150.65
22,350 at 7.14%$150.80
22,350 at 7.15%$150.95
22,350 at 7.16%$151.10
22,350 at 7.17%$151.26
22,350 at 7.18%$151.41
22,350 at 7.19%$151.56
22,350 at 7.2%$151.71
22,350 at 7.21%$151.86
22,350 at 7.22%$152.01
22,350 at 7.23%$152.16
22,350 at 7.24%$152.31
22,350 at 7.25%$152.47
22,350 at 7.26%$152.62
22,350 at 7.27%$152.77
22,350 at 7.28%$152.92
22,350 at 7.29%$153.07
22,350 at 7.3%$153.23
22,350 at 7.31%$153.38
22,350 at 7.32%$153.53
22,350 at 7.33%$153.68
22,350 at 7.34%$153.83
22,350 at 7.35%$153.99
22,350 at 7.36%$154.14
22,350 at 7.37%$154.29
22,350 at 7.38%$154.44
22,350 at 7.39%$154.59
22,350 at 7.4%$154.75
22,350 at 7.41%$154.90
22,350 at 7.42%$155.05
22,350 at 7.43%$155.20
22,350 at 7.44%$155.36
22,350 at 7.45%$155.51
22,350 at 7.46%$155.66
22,350 at 7.47%$155.82
22,350 at 7.48%$155.97
22,350 at 7.49%$156.12
22,350 at 7.5%$156.27
22,350 at 7.51%$156.43
22,350 at 7.52%$156.58
22,350 at 7.53%$156.73
22,350 at 7.54%$156.89
22,350 at 7.55%$157.04
22,350 at 7.56%$157.19
22,350 at 7.57%$157.35
22,350 at 7.58%$157.50
22,350 at 7.59%$157.65
22,350 at 7.6%$157.81
22,350 at 7.61%$157.96
22,350 at 7.62%$158.12
22,350 at 7.63%$158.27
22,350 at 7.64%$158.42
22,350 at 7.65%$158.58
22,350 at 7.66%$158.73
22,350 at 7.67%$158.88
22,350 at 7.68%$159.04
22,350 at 7.69%$159.19
22,350 at 7.7%$159.35
22,350 at 7.71%$159.50
22,350 at 7.72%$159.66
22,350 at 7.73%$159.81
22,350 at 7.74%$159.96
22,350 at 7.75%$160.12
22,350 at 7.76%$160.27
22,350 at 7.77%$160.43
22,350 at 7.78%$160.58
22,350 at 7.79%$160.74
22,350 at 7.8%$160.89
22,350 at 7.81%$161.05
22,350 at 7.82%$161.20
22,350 at 7.83%$161.36
22,350 at 7.84%$161.51
22,350 at 7.85%$161.67
22,350 at 7.86%$161.82
22,350 at 7.87%$161.98
22,350 at 7.88%$162.13
22,350 at 7.89%$162.29
22,350 at 7.9%$162.44
22,350 at 7.91%$162.60
22,350 at 7.92%$162.75
22,350 at 7.93%$162.91
22,350 at 7.94%$163.06
22,350 at 7.95%$163.22
22,350 at 7.96%$163.37
22,350 at 7.97%$163.53
22,350 at 7.98%$163.68
22,350 at 7.99%$163.84
22,350 at 8%$164.00
More Amounts
What is the down payment for a $22,350 house? How much do you need to put down?
Percent Down Down Payment
1%224
2%447
3%671
4%894
5%1,118
6%1,341
7%1,565
8%1,788
9%2,012
10%2,235
11%2,459
12%2,682
13%2,906
14%3,129
15%3,353
16%3,576
17%3,800
18%4,023
19%4,247
20%4,470
Percent Down Down Payment
21%4,694
22%4,917
23%5,141
24%5,364
25%5,588
26%5,811
27%6,035
28%6,258
29%6,482
30%6,705
31%6,929
32%7,152
33%7,376
34%7,599
35%7,823
36%8,046
37%8,270
38%8,493
39%8,717
40%8,940
Percent Down Down Payment
41%9,164
42%9,387
43%9,611
44%9,834
45%10,058
46%10,281
47%10,505
48%10,728
49%10,952
50%11,175
51%11,399
52%11,622
53%11,846
54%12,069
55%12,293
56%12,516
57%12,740
58%12,963
59%13,187
60%13,410
Percent Down Down Payment
61%13,634
62%13,857
63%14,081
64%14,304
65%14,528
66%14,751
67%14,975
68%15,198
69%15,422
70%15,645
71%15,869
72%16,092
73%16,316
74%16,539
75%16,763
76%16,986
77%17,210
78%17,433
79%17,657
80%17,880
Percent Down Down Payment
81%18,104
82%18,327
83%18,551
84%18,774
85%18,998
86%19,221
87%19,445
88%19,668
89%19,892
90%20,115
91%20,339
92%20,562
93%20,786
94%21,009
95%21,233
96%21,456
97%21,680
98%21,903
99%22,127
100%22,350
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.