$22,650 Mortgage for 30 Years

What is the monthly payment of a 22,650 dollar loan?
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Loan Tables for a $22,650 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 23k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $22,650 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
22,650 at 2.01%$83.83
22,650 at 2.02%$83.95
22,650 at 2.03%$84.06
22,650 at 2.04%$84.17
22,650 at 2.05%$84.29
22,650 at 2.06%$84.40
22,650 at 2.07%$84.51
22,650 at 2.08%$84.63
22,650 at 2.09%$84.74
22,650 at 2.1%$84.86
22,650 at 2.11%$84.97
22,650 at 2.12%$85.08
22,650 at 2.13%$85.20
22,650 at 2.14%$85.31
22,650 at 2.15%$85.43
22,650 at 2.16%$85.54
22,650 at 2.17%$85.66
22,650 at 2.18%$85.77
22,650 at 2.19%$85.89
22,650 at 2.2%$86.00
22,650 at 2.21%$86.12
22,650 at 2.22%$86.23
22,650 at 2.23%$86.35
22,650 at 2.24%$86.46
22,650 at 2.25%$86.58
22,650 at 2.26%$86.69
22,650 at 2.27%$86.81
22,650 at 2.28%$86.93
22,650 at 2.29%$87.04
22,650 at 2.3%$87.16
22,650 at 2.31%$87.27
22,650 at 2.32%$87.39
22,650 at 2.33%$87.51
22,650 at 2.34%$87.62
22,650 at 2.35%$87.74
22,650 at 2.36%$87.85
22,650 at 2.37%$87.97
22,650 at 2.38%$88.09
22,650 at 2.39%$88.20
22,650 at 2.4%$88.32
22,650 at 2.41%$88.44
22,650 at 2.42%$88.56
22,650 at 2.43%$88.67
22,650 at 2.44%$88.79
22,650 at 2.45%$88.91
22,650 at 2.46%$89.02
22,650 at 2.47%$89.14
22,650 at 2.48%$89.26
22,650 at 2.49%$89.38
22,650 at 2.5%$89.49
22,650 at 2.51%$89.61
22,650 at 2.52%$89.73
22,650 at 2.53%$89.85
22,650 at 2.54%$89.97
22,650 at 2.55%$90.08
22,650 at 2.56%$90.20
22,650 at 2.57%$90.32
22,650 at 2.58%$90.44
22,650 at 2.59%$90.56
22,650 at 2.6%$90.68
22,650 at 2.61%$90.80
22,650 at 2.62%$90.91
22,650 at 2.63%$91.03
22,650 at 2.64%$91.15
22,650 at 2.65%$91.27
22,650 at 2.66%$91.39
22,650 at 2.67%$91.51
22,650 at 2.68%$91.63
22,650 at 2.69%$91.75
22,650 at 2.7%$91.87
22,650 at 2.71%$91.99
22,650 at 2.72%$92.11
22,650 at 2.73%$92.23
22,650 at 2.74%$92.35
22,650 at 2.75%$92.47
22,650 at 2.76%$92.59
22,650 at 2.77%$92.71
22,650 at 2.78%$92.83
22,650 at 2.79%$92.95
22,650 at 2.8%$93.07
22,650 at 2.81%$93.19
22,650 at 2.82%$93.31
22,650 at 2.83%$93.43
22,650 at 2.84%$93.55
22,650 at 2.85%$93.67
22,650 at 2.86%$93.79
22,650 at 2.87%$93.91
22,650 at 2.88%$94.03
22,650 at 2.89%$94.15
22,650 at 2.9%$94.28
22,650 at 2.91%$94.40
22,650 at 2.92%$94.52
22,650 at 2.93%$94.64
22,650 at 2.94%$94.76
22,650 at 2.95%$94.88
22,650 at 2.96%$95.01
22,650 at 2.97%$95.13
22,650 at 2.98%$95.25
22,650 at 2.99%$95.37
22,650 at 3%$95.49
22,650 at 3.01%$95.62
22,650 at 3.02%$95.74
22,650 at 3.03%$95.86
22,650 at 3.04%$95.98
22,650 at 3.05%$96.11
22,650 at 3.06%$96.23
22,650 at 3.07%$96.35
22,650 at 3.08%$96.47
22,650 at 3.09%$96.60
22,650 at 3.1%$96.72
22,650 at 3.11%$96.84
22,650 at 3.12%$96.97
22,650 at 3.13%$97.09
22,650 at 3.14%$97.21
22,650 at 3.15%$97.34
22,650 at 3.16%$97.46
22,650 at 3.17%$97.58
22,650 at 3.18%$97.71
22,650 at 3.19%$97.83
22,650 at 3.2%$97.95
22,650 at 3.21%$98.08
22,650 at 3.22%$98.20
22,650 at 3.23%$98.33
22,650 at 3.24%$98.45
22,650 at 3.25%$98.57
22,650 at 3.26%$98.70
22,650 at 3.27%$98.82
22,650 at 3.28%$98.95
22,650 at 3.29%$99.07
22,650 at 3.3%$99.20
22,650 at 3.31%$99.32
22,650 at 3.32%$99.45
22,650 at 3.33%$99.57
22,650 at 3.34%$99.70
22,650 at 3.35%$99.82
22,650 at 3.36%$99.95
22,650 at 3.37%$100.07
22,650 at 3.38%$100.20
22,650 at 3.39%$100.32
22,650 at 3.4%$100.45
22,650 at 3.41%$100.57
22,650 at 3.42%$100.70
22,650 at 3.43%$100.83
22,650 at 3.44%$100.95
22,650 at 3.45%$101.08
22,650 at 3.46%$101.20
22,650 at 3.47%$101.33
22,650 at 3.48%$101.46
22,650 at 3.49%$101.58
22,650 at 3.5%$101.71
Interest Rate 30 Year
22,650 at 3.51%$101.84
22,650 at 3.52%$101.96
22,650 at 3.53%$102.09
22,650 at 3.54%$102.22
22,650 at 3.55%$102.34
22,650 at 3.56%$102.47
22,650 at 3.57%$102.60
22,650 at 3.58%$102.72
22,650 at 3.59%$102.85
22,650 at 3.6%$102.98
22,650 at 3.61%$103.10
22,650 at 3.62%$103.23
22,650 at 3.63%$103.36
22,650 at 3.64%$103.49
22,650 at 3.65%$103.61
22,650 at 3.66%$103.74
22,650 at 3.67%$103.87
22,650 at 3.68%$104.00
22,650 at 3.69%$104.13
22,650 at 3.7%$104.25
22,650 at 3.71%$104.38
22,650 at 3.72%$104.51
22,650 at 3.73%$104.64
22,650 at 3.74%$104.77
22,650 at 3.75%$104.90
22,650 at 3.76%$105.02
22,650 at 3.77%$105.15
22,650 at 3.78%$105.28
22,650 at 3.79%$105.41
22,650 at 3.8%$105.54
22,650 at 3.81%$105.67
22,650 at 3.82%$105.80
22,650 at 3.83%$105.93
22,650 at 3.84%$106.06
22,650 at 3.85%$106.19
22,650 at 3.86%$106.31
22,650 at 3.87%$106.44
22,650 at 3.88%$106.57
22,650 at 3.89%$106.70
22,650 at 3.9%$106.83
22,650 at 3.91%$106.96
22,650 at 3.92%$107.09
22,650 at 3.93%$107.22
22,650 at 3.94%$107.35
22,650 at 3.95%$107.48
22,650 at 3.96%$107.61
22,650 at 3.97%$107.74
22,650 at 3.98%$107.87
22,650 at 3.99%$108.00
22,650 at 4%$108.13
22,650 at 4.01%$108.27
22,650 at 4.02%$108.40
22,650 at 4.03%$108.53
22,650 at 4.04%$108.66
22,650 at 4.05%$108.79
22,650 at 4.06%$108.92
22,650 at 4.07%$109.05
22,650 at 4.08%$109.18
22,650 at 4.09%$109.31
22,650 at 4.1%$109.44
22,650 at 4.11%$109.58
22,650 at 4.12%$109.71
22,650 at 4.13%$109.84
22,650 at 4.14%$109.97
22,650 at 4.15%$110.10
22,650 at 4.16%$110.23
22,650 at 4.17%$110.37
22,650 at 4.18%$110.50
22,650 at 4.19%$110.63
22,650 at 4.2%$110.76
22,650 at 4.21%$110.89
22,650 at 4.22%$111.03
22,650 at 4.23%$111.16
22,650 at 4.24%$111.29
22,650 at 4.25%$111.42
22,650 at 4.26%$111.56
22,650 at 4.27%$111.69
22,650 at 4.28%$111.82
22,650 at 4.29%$111.96
22,650 at 4.3%$112.09
22,650 at 4.31%$112.22
22,650 at 4.32%$112.35
22,650 at 4.33%$112.49
22,650 at 4.34%$112.62
22,650 at 4.35%$112.75
22,650 at 4.36%$112.89
22,650 at 4.37%$113.02
22,650 at 4.38%$113.15
22,650 at 4.39%$113.29
22,650 at 4.4%$113.42
22,650 at 4.41%$113.56
22,650 at 4.42%$113.69
22,650 at 4.43%$113.82
22,650 at 4.44%$113.96
22,650 at 4.45%$114.09
22,650 at 4.46%$114.23
22,650 at 4.47%$114.36
22,650 at 4.48%$114.50
22,650 at 4.49%$114.63
22,650 at 4.5%$114.76
22,650 at 4.51%$114.90
22,650 at 4.52%$115.03
22,650 at 4.53%$115.17
22,650 at 4.54%$115.30
22,650 at 4.55%$115.44
22,650 at 4.56%$115.57
22,650 at 4.57%$115.71
22,650 at 4.58%$115.84
22,650 at 4.59%$115.98
22,650 at 4.6%$116.11
22,650 at 4.61%$116.25
22,650 at 4.62%$116.38
22,650 at 4.63%$116.52
22,650 at 4.64%$116.66
22,650 at 4.65%$116.79
22,650 at 4.66%$116.93
22,650 at 4.67%$117.06
22,650 at 4.68%$117.20
22,650 at 4.69%$117.34
22,650 at 4.7%$117.47
22,650 at 4.71%$117.61
22,650 at 4.72%$117.74
22,650 at 4.73%$117.88
22,650 at 4.74%$118.02
22,650 at 4.75%$118.15
22,650 at 4.76%$118.29
22,650 at 4.77%$118.43
22,650 at 4.78%$118.56
22,650 at 4.79%$118.70
22,650 at 4.8%$118.84
22,650 at 4.81%$118.97
22,650 at 4.82%$119.11
22,650 at 4.83%$119.25
22,650 at 4.84%$119.38
22,650 at 4.85%$119.52
22,650 at 4.86%$119.66
22,650 at 4.87%$119.80
22,650 at 4.88%$119.93
22,650 at 4.89%$120.07
22,650 at 4.9%$120.21
22,650 at 4.91%$120.35
22,650 at 4.92%$120.49
22,650 at 4.93%$120.62
22,650 at 4.94%$120.76
22,650 at 4.95%$120.90
22,650 at 4.96%$121.04
22,650 at 4.97%$121.18
22,650 at 4.98%$121.31
22,650 at 4.99%$121.45
22,650 at 5%$121.59
Interest Rate 30 Year
22,650 at 5.01%$121.73
22,650 at 5.02%$121.87
22,650 at 5.03%$122.01
22,650 at 5.04%$122.14
22,650 at 5.05%$122.28
22,650 at 5.06%$122.42
22,650 at 5.07%$122.56
22,650 at 5.08%$122.70
22,650 at 5.09%$122.84
22,650 at 5.1%$122.98
22,650 at 5.11%$123.12
22,650 at 5.12%$123.26
22,650 at 5.13%$123.40
22,650 at 5.14%$123.54
22,650 at 5.15%$123.67
22,650 at 5.16%$123.81
22,650 at 5.17%$123.95
22,650 at 5.18%$124.09
22,650 at 5.19%$124.23
22,650 at 5.2%$124.37
22,650 at 5.21%$124.51
22,650 at 5.22%$124.65
22,650 at 5.23%$124.79
22,650 at 5.24%$124.93
22,650 at 5.25%$125.07
22,650 at 5.26%$125.21
22,650 at 5.27%$125.35
22,650 at 5.28%$125.50
22,650 at 5.29%$125.64
22,650 at 5.3%$125.78
22,650 at 5.31%$125.92
22,650 at 5.32%$126.06
22,650 at 5.33%$126.20
22,650 at 5.34%$126.34
22,650 at 5.35%$126.48
22,650 at 5.36%$126.62
22,650 at 5.37%$126.76
22,650 at 5.38%$126.90
22,650 at 5.39%$127.05
22,650 at 5.4%$127.19
22,650 at 5.41%$127.33
22,650 at 5.42%$127.47
22,650 at 5.43%$127.61
22,650 at 5.44%$127.75
22,650 at 5.45%$127.89
22,650 at 5.46%$128.04
22,650 at 5.47%$128.18
22,650 at 5.48%$128.32
22,650 at 5.49%$128.46
22,650 at 5.5%$128.60
22,650 at 5.51%$128.75
22,650 at 5.52%$128.89
22,650 at 5.53%$129.03
22,650 at 5.54%$129.17
22,650 at 5.55%$129.32
22,650 at 5.56%$129.46
22,650 at 5.57%$129.60
22,650 at 5.58%$129.74
22,650 at 5.59%$129.89
22,650 at 5.6%$130.03
22,650 at 5.61%$130.17
22,650 at 5.62%$130.31
22,650 at 5.63%$130.46
22,650 at 5.64%$130.60
22,650 at 5.65%$130.74
22,650 at 5.66%$130.89
22,650 at 5.67%$131.03
22,650 at 5.68%$131.17
22,650 at 5.69%$131.32
22,650 at 5.7%$131.46
22,650 at 5.71%$131.60
22,650 at 5.72%$131.75
22,650 at 5.73%$131.89
22,650 at 5.74%$132.04
22,650 at 5.75%$132.18
22,650 at 5.76%$132.32
22,650 at 5.77%$132.47
22,650 at 5.78%$132.61
22,650 at 5.79%$132.76
22,650 at 5.8%$132.90
22,650 at 5.81%$133.04
22,650 at 5.82%$133.19
22,650 at 5.83%$133.33
22,650 at 5.84%$133.48
22,650 at 5.85%$133.62
22,650 at 5.86%$133.77
22,650 at 5.87%$133.91
22,650 at 5.88%$134.06
22,650 at 5.89%$134.20
22,650 at 5.9%$134.35
22,650 at 5.91%$134.49
22,650 at 5.92%$134.64
22,650 at 5.93%$134.78
22,650 at 5.94%$134.93
22,650 at 5.95%$135.07
22,650 at 5.96%$135.22
22,650 at 5.97%$135.36
22,650 at 5.98%$135.51
22,650 at 5.99%$135.65
22,650 at 6%$135.80
22,650 at 6.01%$135.94
22,650 at 6.02%$136.09
22,650 at 6.03%$136.24
22,650 at 6.04%$136.38
22,650 at 6.05%$136.53
22,650 at 6.06%$136.67
22,650 at 6.07%$136.82
22,650 at 6.08%$136.97
22,650 at 6.09%$137.11
22,650 at 6.1%$137.26
22,650 at 6.11%$137.40
22,650 at 6.12%$137.55
22,650 at 6.13%$137.70
22,650 at 6.14%$137.84
22,650 at 6.15%$137.99
22,650 at 6.16%$138.14
22,650 at 6.17%$138.28
22,650 at 6.18%$138.43
22,650 at 6.19%$138.58
22,650 at 6.2%$138.72
22,650 at 6.21%$138.87
22,650 at 6.22%$139.02
22,650 at 6.23%$139.17
22,650 at 6.24%$139.31
22,650 at 6.25%$139.46
22,650 at 6.26%$139.61
22,650 at 6.27%$139.75
22,650 at 6.28%$139.90
22,650 at 6.29%$140.05
22,650 at 6.3%$140.20
22,650 at 6.31%$140.35
22,650 at 6.32%$140.49
22,650 at 6.33%$140.64
22,650 at 6.34%$140.79
22,650 at 6.35%$140.94
22,650 at 6.36%$141.08
22,650 at 6.37%$141.23
22,650 at 6.38%$141.38
22,650 at 6.39%$141.53
22,650 at 6.4%$141.68
22,650 at 6.41%$141.83
22,650 at 6.42%$141.97
22,650 at 6.43%$142.12
22,650 at 6.44%$142.27
22,650 at 6.45%$142.42
22,650 at 6.46%$142.57
22,650 at 6.47%$142.72
22,650 at 6.48%$142.87
22,650 at 6.49%$143.01
22,650 at 6.5%$143.16
Interest Rate 30 Year
22,650 at 6.51%$143.31
22,650 at 6.52%$143.46
22,650 at 6.53%$143.61
22,650 at 6.54%$143.76
22,650 at 6.55%$143.91
22,650 at 6.56%$144.06
22,650 at 6.57%$144.21
22,650 at 6.58%$144.36
22,650 at 6.59%$144.51
22,650 at 6.6%$144.66
22,650 at 6.61%$144.81
22,650 at 6.62%$144.96
22,650 at 6.63%$145.11
22,650 at 6.64%$145.26
22,650 at 6.65%$145.41
22,650 at 6.66%$145.55
22,650 at 6.67%$145.71
22,650 at 6.68%$145.86
22,650 at 6.69%$146.01
22,650 at 6.7%$146.16
22,650 at 6.71%$146.31
22,650 at 6.72%$146.46
22,650 at 6.73%$146.61
22,650 at 6.74%$146.76
22,650 at 6.75%$146.91
22,650 at 6.76%$147.06
22,650 at 6.77%$147.21
22,650 at 6.78%$147.36
22,650 at 6.79%$147.51
22,650 at 6.8%$147.66
22,650 at 6.81%$147.81
22,650 at 6.82%$147.96
22,650 at 6.83%$148.11
22,650 at 6.84%$148.27
22,650 at 6.85%$148.42
22,650 at 6.86%$148.57
22,650 at 6.87%$148.72
22,650 at 6.88%$148.87
22,650 at 6.89%$149.02
22,650 at 6.9%$149.17
22,650 at 6.91%$149.32
22,650 at 6.92%$149.48
22,650 at 6.93%$149.63
22,650 at 6.94%$149.78
22,650 at 6.95%$149.93
22,650 at 6.96%$150.08
22,650 at 6.97%$150.23
22,650 at 6.98%$150.39
22,650 at 6.99%$150.54
22,650 at 7%$150.69
22,650 at 7.01%$150.84
22,650 at 7.02%$151.00
22,650 at 7.03%$151.15
22,650 at 7.04%$151.30
22,650 at 7.05%$151.45
22,650 at 7.06%$151.60
22,650 at 7.07%$151.76
22,650 at 7.08%$151.91
22,650 at 7.09%$152.06
22,650 at 7.1%$152.22
22,650 at 7.11%$152.37
22,650 at 7.12%$152.52
22,650 at 7.13%$152.67
22,650 at 7.14%$152.83
22,650 at 7.15%$152.98
22,650 at 7.16%$153.13
22,650 at 7.17%$153.29
22,650 at 7.18%$153.44
22,650 at 7.19%$153.59
22,650 at 7.2%$153.75
22,650 at 7.21%$153.90
22,650 at 7.22%$154.05
22,650 at 7.23%$154.21
22,650 at 7.24%$154.36
22,650 at 7.25%$154.51
22,650 at 7.26%$154.67
22,650 at 7.27%$154.82
22,650 at 7.28%$154.97
22,650 at 7.29%$155.13
22,650 at 7.3%$155.28
22,650 at 7.31%$155.44
22,650 at 7.32%$155.59
22,650 at 7.33%$155.74
22,650 at 7.34%$155.90
22,650 at 7.35%$156.05
22,650 at 7.36%$156.21
22,650 at 7.37%$156.36
22,650 at 7.38%$156.52
22,650 at 7.39%$156.67
22,650 at 7.4%$156.82
22,650 at 7.41%$156.98
22,650 at 7.42%$157.13
22,650 at 7.43%$157.29
22,650 at 7.44%$157.44
22,650 at 7.45%$157.60
22,650 at 7.46%$157.75
22,650 at 7.47%$157.91
22,650 at 7.48%$158.06
22,650 at 7.49%$158.22
22,650 at 7.5%$158.37
22,650 at 7.51%$158.53
22,650 at 7.52%$158.68
22,650 at 7.53%$158.84
22,650 at 7.54%$158.99
22,650 at 7.55%$159.15
22,650 at 7.56%$159.30
22,650 at 7.57%$159.46
22,650 at 7.58%$159.61
22,650 at 7.59%$159.77
22,650 at 7.6%$159.93
22,650 at 7.61%$160.08
22,650 at 7.62%$160.24
22,650 at 7.63%$160.39
22,650 at 7.64%$160.55
22,650 at 7.65%$160.70
22,650 at 7.66%$160.86
22,650 at 7.67%$161.02
22,650 at 7.68%$161.17
22,650 at 7.69%$161.33
22,650 at 7.7%$161.49
22,650 at 7.71%$161.64
22,650 at 7.72%$161.80
22,650 at 7.73%$161.95
22,650 at 7.74%$162.11
22,650 at 7.75%$162.27
22,650 at 7.76%$162.42
22,650 at 7.77%$162.58
22,650 at 7.78%$162.74
22,650 at 7.79%$162.89
22,650 at 7.8%$163.05
22,650 at 7.81%$163.21
22,650 at 7.82%$163.36
22,650 at 7.83%$163.52
22,650 at 7.84%$163.68
22,650 at 7.85%$163.84
22,650 at 7.86%$163.99
22,650 at 7.87%$164.15
22,650 at 7.88%$164.31
22,650 at 7.89%$164.46
22,650 at 7.9%$164.62
22,650 at 7.91%$164.78
22,650 at 7.92%$164.94
22,650 at 7.93%$165.09
22,650 at 7.94%$165.25
22,650 at 7.95%$165.41
22,650 at 7.96%$165.57
22,650 at 7.97%$165.72
22,650 at 7.98%$165.88
22,650 at 7.99%$166.04
22,650 at 8%$166.20
More Amounts
What is the down payment for a $22,650 house? How much do you need to put down?
Percent Down Down Payment
1%227
2%453
3%680
4%906
5%1,133
6%1,359
7%1,586
8%1,812
9%2,039
10%2,265
11%2,492
12%2,718
13%2,945
14%3,171
15%3,398
16%3,624
17%3,851
18%4,077
19%4,304
20%4,530
Percent Down Down Payment
21%4,757
22%4,983
23%5,210
24%5,436
25%5,663
26%5,889
27%6,116
28%6,342
29%6,569
30%6,795
31%7,022
32%7,248
33%7,475
34%7,701
35%7,928
36%8,154
37%8,381
38%8,607
39%8,834
40%9,060
Percent Down Down Payment
41%9,287
42%9,513
43%9,740
44%9,966
45%10,193
46%10,419
47%10,646
48%10,872
49%11,099
50%11,325
51%11,552
52%11,778
53%12,005
54%12,231
55%12,458
56%12,684
57%12,911
58%13,137
59%13,364
60%13,590
Percent Down Down Payment
61%13,817
62%14,043
63%14,270
64%14,496
65%14,723
66%14,949
67%15,176
68%15,402
69%15,629
70%15,855
71%16,082
72%16,308
73%16,535
74%16,761
75%16,988
76%17,214
77%17,441
78%17,667
79%17,894
80%18,120
Percent Down Down Payment
81%18,347
82%18,573
83%18,800
84%19,026
85%19,253
86%19,479
87%19,706
88%19,932
89%20,159
90%20,385
91%20,612
92%20,838
93%21,065
94%21,291
95%21,518
96%21,744
97%21,971
98%22,197
99%22,424
100%22,650
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.