$22,800 Mortgage for 30 Years

What is the monthly payment of a 22,800 dollar loan?
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Loan Tables for a $22,800 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 $22,800 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
22,800 at 2.01%$84.39
22,800 at 2.02%$84.50
22,800 at 2.03%$84.62
22,800 at 2.04%$84.73
22,800 at 2.05%$84.84
22,800 at 2.06%$84.96
22,800 at 2.07%$85.07
22,800 at 2.08%$85.19
22,800 at 2.09%$85.30
22,800 at 2.1%$85.42
22,800 at 2.11%$85.53
22,800 at 2.12%$85.65
22,800 at 2.13%$85.76
22,800 at 2.14%$85.88
22,800 at 2.15%$85.99
22,800 at 2.16%$86.11
22,800 at 2.17%$86.22
22,800 at 2.18%$86.34
22,800 at 2.19%$86.46
22,800 at 2.2%$86.57
22,800 at 2.21%$86.69
22,800 at 2.22%$86.80
22,800 at 2.23%$86.92
22,800 at 2.24%$87.04
22,800 at 2.25%$87.15
22,800 at 2.26%$87.27
22,800 at 2.27%$87.38
22,800 at 2.28%$87.50
22,800 at 2.29%$87.62
22,800 at 2.3%$87.73
22,800 at 2.31%$87.85
22,800 at 2.32%$87.97
22,800 at 2.33%$88.09
22,800 at 2.34%$88.20
22,800 at 2.35%$88.32
22,800 at 2.36%$88.44
22,800 at 2.37%$88.55
22,800 at 2.38%$88.67
22,800 at 2.39%$88.79
22,800 at 2.4%$88.91
22,800 at 2.41%$89.02
22,800 at 2.42%$89.14
22,800 at 2.43%$89.26
22,800 at 2.44%$89.38
22,800 at 2.45%$89.50
22,800 at 2.46%$89.61
22,800 at 2.47%$89.73
22,800 at 2.48%$89.85
22,800 at 2.49%$89.97
22,800 at 2.5%$90.09
22,800 at 2.51%$90.21
22,800 at 2.52%$90.32
22,800 at 2.53%$90.44
22,800 at 2.54%$90.56
22,800 at 2.55%$90.68
22,800 at 2.56%$90.80
22,800 at 2.57%$90.92
22,800 at 2.58%$91.04
22,800 at 2.59%$91.16
22,800 at 2.6%$91.28
22,800 at 2.61%$91.40
22,800 at 2.62%$91.52
22,800 at 2.63%$91.64
22,800 at 2.64%$91.76
22,800 at 2.65%$91.88
22,800 at 2.66%$92.00
22,800 at 2.67%$92.12
22,800 at 2.68%$92.24
22,800 at 2.69%$92.36
22,800 at 2.7%$92.48
22,800 at 2.71%$92.60
22,800 at 2.72%$92.72
22,800 at 2.73%$92.84
22,800 at 2.74%$92.96
22,800 at 2.75%$93.08
22,800 at 2.76%$93.20
22,800 at 2.77%$93.32
22,800 at 2.78%$93.44
22,800 at 2.79%$93.56
22,800 at 2.8%$93.68
22,800 at 2.81%$93.81
22,800 at 2.82%$93.93
22,800 at 2.83%$94.05
22,800 at 2.84%$94.17
22,800 at 2.85%$94.29
22,800 at 2.86%$94.41
22,800 at 2.87%$94.53
22,800 at 2.88%$94.66
22,800 at 2.89%$94.78
22,800 at 2.9%$94.90
22,800 at 2.91%$95.02
22,800 at 2.92%$95.14
22,800 at 2.93%$95.27
22,800 at 2.94%$95.39
22,800 at 2.95%$95.51
22,800 at 2.96%$95.63
22,800 at 2.97%$95.76
22,800 at 2.98%$95.88
22,800 at 2.99%$96.00
22,800 at 3%$96.13
22,800 at 3.01%$96.25
22,800 at 3.02%$96.37
22,800 at 3.03%$96.50
22,800 at 3.04%$96.62
22,800 at 3.05%$96.74
22,800 at 3.06%$96.87
22,800 at 3.07%$96.99
22,800 at 3.08%$97.11
22,800 at 3.09%$97.24
22,800 at 3.1%$97.36
22,800 at 3.11%$97.48
22,800 at 3.12%$97.61
22,800 at 3.13%$97.73
22,800 at 3.14%$97.86
22,800 at 3.15%$97.98
22,800 at 3.16%$98.10
22,800 at 3.17%$98.23
22,800 at 3.18%$98.35
22,800 at 3.19%$98.48
22,800 at 3.2%$98.60
22,800 at 3.21%$98.73
22,800 at 3.22%$98.85
22,800 at 3.23%$98.98
22,800 at 3.24%$99.10
22,800 at 3.25%$99.23
22,800 at 3.26%$99.35
22,800 at 3.27%$99.48
22,800 at 3.28%$99.60
22,800 at 3.29%$99.73
22,800 at 3.3%$99.85
22,800 at 3.31%$99.98
22,800 at 3.32%$100.11
22,800 at 3.33%$100.23
22,800 at 3.34%$100.36
22,800 at 3.35%$100.48
22,800 at 3.36%$100.61
22,800 at 3.37%$100.73
22,800 at 3.38%$100.86
22,800 at 3.39%$100.99
22,800 at 3.4%$101.11
22,800 at 3.41%$101.24
22,800 at 3.42%$101.37
22,800 at 3.43%$101.49
22,800 at 3.44%$101.62
22,800 at 3.45%$101.75
22,800 at 3.46%$101.87
22,800 at 3.47%$102.00
22,800 at 3.48%$102.13
22,800 at 3.49%$102.25
22,800 at 3.5%$102.38
Interest Rate 30 Year
22,800 at 3.51%$102.51
22,800 at 3.52%$102.64
22,800 at 3.53%$102.76
22,800 at 3.54%$102.89
22,800 at 3.55%$103.02
22,800 at 3.56%$103.15
22,800 at 3.57%$103.28
22,800 at 3.58%$103.40
22,800 at 3.59%$103.53
22,800 at 3.6%$103.66
22,800 at 3.61%$103.79
22,800 at 3.62%$103.92
22,800 at 3.63%$104.04
22,800 at 3.64%$104.17
22,800 at 3.65%$104.30
22,800 at 3.66%$104.43
22,800 at 3.67%$104.56
22,800 at 3.68%$104.69
22,800 at 3.69%$104.82
22,800 at 3.7%$104.94
22,800 at 3.71%$105.07
22,800 at 3.72%$105.20
22,800 at 3.73%$105.33
22,800 at 3.74%$105.46
22,800 at 3.75%$105.59
22,800 at 3.76%$105.72
22,800 at 3.77%$105.85
22,800 at 3.78%$105.98
22,800 at 3.79%$106.11
22,800 at 3.8%$106.24
22,800 at 3.81%$106.37
22,800 at 3.82%$106.50
22,800 at 3.83%$106.63
22,800 at 3.84%$106.76
22,800 at 3.85%$106.89
22,800 at 3.86%$107.02
22,800 at 3.87%$107.15
22,800 at 3.88%$107.28
22,800 at 3.89%$107.41
22,800 at 3.9%$107.54
22,800 at 3.91%$107.67
22,800 at 3.92%$107.80
22,800 at 3.93%$107.93
22,800 at 3.94%$108.06
22,800 at 3.95%$108.19
22,800 at 3.96%$108.33
22,800 at 3.97%$108.46
22,800 at 3.98%$108.59
22,800 at 3.99%$108.72
22,800 at 4%$108.85
22,800 at 4.01%$108.98
22,800 at 4.02%$109.11
22,800 at 4.03%$109.25
22,800 at 4.04%$109.38
22,800 at 4.05%$109.51
22,800 at 4.06%$109.64
22,800 at 4.07%$109.77
22,800 at 4.08%$109.90
22,800 at 4.09%$110.04
22,800 at 4.1%$110.17
22,800 at 4.11%$110.30
22,800 at 4.12%$110.43
22,800 at 4.13%$110.57
22,800 at 4.14%$110.70
22,800 at 4.15%$110.83
22,800 at 4.16%$110.96
22,800 at 4.17%$111.10
22,800 at 4.18%$111.23
22,800 at 4.19%$111.36
22,800 at 4.2%$111.50
22,800 at 4.21%$111.63
22,800 at 4.22%$111.76
22,800 at 4.23%$111.90
22,800 at 4.24%$112.03
22,800 at 4.25%$112.16
22,800 at 4.26%$112.30
22,800 at 4.27%$112.43
22,800 at 4.28%$112.56
22,800 at 4.29%$112.70
22,800 at 4.3%$112.83
22,800 at 4.31%$112.96
22,800 at 4.32%$113.10
22,800 at 4.33%$113.23
22,800 at 4.34%$113.37
22,800 at 4.35%$113.50
22,800 at 4.36%$113.64
22,800 at 4.37%$113.77
22,800 at 4.38%$113.90
22,800 at 4.39%$114.04
22,800 at 4.4%$114.17
22,800 at 4.41%$114.31
22,800 at 4.42%$114.44
22,800 at 4.43%$114.58
22,800 at 4.44%$114.71
22,800 at 4.45%$114.85
22,800 at 4.46%$114.98
22,800 at 4.47%$115.12
22,800 at 4.48%$115.25
22,800 at 4.49%$115.39
22,800 at 4.5%$115.52
22,800 at 4.51%$115.66
22,800 at 4.52%$115.80
22,800 at 4.53%$115.93
22,800 at 4.54%$116.07
22,800 at 4.55%$116.20
22,800 at 4.56%$116.34
22,800 at 4.57%$116.47
22,800 at 4.58%$116.61
22,800 at 4.59%$116.75
22,800 at 4.6%$116.88
22,800 at 4.61%$117.02
22,800 at 4.62%$117.16
22,800 at 4.63%$117.29
22,800 at 4.64%$117.43
22,800 at 4.65%$117.57
22,800 at 4.66%$117.70
22,800 at 4.67%$117.84
22,800 at 4.68%$117.98
22,800 at 4.69%$118.11
22,800 at 4.7%$118.25
22,800 at 4.71%$118.39
22,800 at 4.72%$118.52
22,800 at 4.73%$118.66
22,800 at 4.74%$118.80
22,800 at 4.75%$118.94
22,800 at 4.76%$119.07
22,800 at 4.77%$119.21
22,800 at 4.78%$119.35
22,800 at 4.79%$119.49
22,800 at 4.8%$119.62
22,800 at 4.81%$119.76
22,800 at 4.82%$119.90
22,800 at 4.83%$120.04
22,800 at 4.84%$120.18
22,800 at 4.85%$120.31
22,800 at 4.86%$120.45
22,800 at 4.87%$120.59
22,800 at 4.88%$120.73
22,800 at 4.89%$120.87
22,800 at 4.9%$121.01
22,800 at 4.91%$121.14
22,800 at 4.92%$121.28
22,800 at 4.93%$121.42
22,800 at 4.94%$121.56
22,800 at 4.95%$121.70
22,800 at 4.96%$121.84
22,800 at 4.97%$121.98
22,800 at 4.98%$122.12
22,800 at 4.99%$122.26
22,800 at 5%$122.40
Interest Rate 30 Year
22,800 at 5.01%$122.53
22,800 at 5.02%$122.67
22,800 at 5.03%$122.81
22,800 at 5.04%$122.95
22,800 at 5.05%$123.09
22,800 at 5.06%$123.23
22,800 at 5.07%$123.37
22,800 at 5.08%$123.51
22,800 at 5.09%$123.65
22,800 at 5.1%$123.79
22,800 at 5.11%$123.93
22,800 at 5.12%$124.07
22,800 at 5.13%$124.21
22,800 at 5.14%$124.35
22,800 at 5.15%$124.49
22,800 at 5.16%$124.63
22,800 at 5.17%$124.78
22,800 at 5.18%$124.92
22,800 at 5.19%$125.06
22,800 at 5.2%$125.20
22,800 at 5.21%$125.34
22,800 at 5.22%$125.48
22,800 at 5.23%$125.62
22,800 at 5.24%$125.76
22,800 at 5.25%$125.90
22,800 at 5.26%$126.04
22,800 at 5.27%$126.19
22,800 at 5.28%$126.33
22,800 at 5.29%$126.47
22,800 at 5.3%$126.61
22,800 at 5.31%$126.75
22,800 at 5.32%$126.89
22,800 at 5.33%$127.03
22,800 at 5.34%$127.18
22,800 at 5.35%$127.32
22,800 at 5.36%$127.46
22,800 at 5.37%$127.60
22,800 at 5.38%$127.74
22,800 at 5.39%$127.89
22,800 at 5.4%$128.03
22,800 at 5.41%$128.17
22,800 at 5.42%$128.31
22,800 at 5.43%$128.46
22,800 at 5.44%$128.60
22,800 at 5.45%$128.74
22,800 at 5.46%$128.88
22,800 at 5.47%$129.03
22,800 at 5.48%$129.17
22,800 at 5.49%$129.31
22,800 at 5.5%$129.46
22,800 at 5.51%$129.60
22,800 at 5.52%$129.74
22,800 at 5.53%$129.89
22,800 at 5.54%$130.03
22,800 at 5.55%$130.17
22,800 at 5.56%$130.32
22,800 at 5.57%$130.46
22,800 at 5.58%$130.60
22,800 at 5.59%$130.75
22,800 at 5.6%$130.89
22,800 at 5.61%$131.03
22,800 at 5.62%$131.18
22,800 at 5.63%$131.32
22,800 at 5.64%$131.47
22,800 at 5.65%$131.61
22,800 at 5.66%$131.75
22,800 at 5.67%$131.90
22,800 at 5.68%$132.04
22,800 at 5.69%$132.19
22,800 at 5.7%$132.33
22,800 at 5.71%$132.48
22,800 at 5.72%$132.62
22,800 at 5.73%$132.77
22,800 at 5.74%$132.91
22,800 at 5.75%$133.05
22,800 at 5.76%$133.20
22,800 at 5.77%$133.34
22,800 at 5.78%$133.49
22,800 at 5.79%$133.63
22,800 at 5.8%$133.78
22,800 at 5.81%$133.92
22,800 at 5.82%$134.07
22,800 at 5.83%$134.22
22,800 at 5.84%$134.36
22,800 at 5.85%$134.51
22,800 at 5.86%$134.65
22,800 at 5.87%$134.80
22,800 at 5.88%$134.94
22,800 at 5.89%$135.09
22,800 at 5.9%$135.24
22,800 at 5.91%$135.38
22,800 at 5.92%$135.53
22,800 at 5.93%$135.67
22,800 at 5.94%$135.82
22,800 at 5.95%$135.97
22,800 at 5.96%$136.11
22,800 at 5.97%$136.26
22,800 at 5.98%$136.40
22,800 at 5.99%$136.55
22,800 at 6%$136.70
22,800 at 6.01%$136.84
22,800 at 6.02%$136.99
22,800 at 6.03%$137.14
22,800 at 6.04%$137.28
22,800 at 6.05%$137.43
22,800 at 6.06%$137.58
22,800 at 6.07%$137.73
22,800 at 6.08%$137.87
22,800 at 6.09%$138.02
22,800 at 6.1%$138.17
22,800 at 6.11%$138.31
22,800 at 6.12%$138.46
22,800 at 6.13%$138.61
22,800 at 6.14%$138.76
22,800 at 6.15%$138.90
22,800 at 6.16%$139.05
22,800 at 6.17%$139.20
22,800 at 6.18%$139.35
22,800 at 6.19%$139.50
22,800 at 6.2%$139.64
22,800 at 6.21%$139.79
22,800 at 6.22%$139.94
22,800 at 6.23%$140.09
22,800 at 6.24%$140.24
22,800 at 6.25%$140.38
22,800 at 6.26%$140.53
22,800 at 6.27%$140.68
22,800 at 6.28%$140.83
22,800 at 6.29%$140.98
22,800 at 6.3%$141.13
22,800 at 6.31%$141.27
22,800 at 6.32%$141.42
22,800 at 6.33%$141.57
22,800 at 6.34%$141.72
22,800 at 6.35%$141.87
22,800 at 6.36%$142.02
22,800 at 6.37%$142.17
22,800 at 6.38%$142.32
22,800 at 6.39%$142.47
22,800 at 6.4%$142.62
22,800 at 6.41%$142.76
22,800 at 6.42%$142.91
22,800 at 6.43%$143.06
22,800 at 6.44%$143.21
22,800 at 6.45%$143.36
22,800 at 6.46%$143.51
22,800 at 6.47%$143.66
22,800 at 6.48%$143.81
22,800 at 6.49%$143.96
22,800 at 6.5%$144.11
Interest Rate 30 Year
22,800 at 6.51%$144.26
22,800 at 6.52%$144.41
22,800 at 6.53%$144.56
22,800 at 6.54%$144.71
22,800 at 6.55%$144.86
22,800 at 6.56%$145.01
22,800 at 6.57%$145.16
22,800 at 6.58%$145.31
22,800 at 6.59%$145.46
22,800 at 6.6%$145.61
22,800 at 6.61%$145.76
22,800 at 6.62%$145.92
22,800 at 6.63%$146.07
22,800 at 6.64%$146.22
22,800 at 6.65%$146.37
22,800 at 6.66%$146.52
22,800 at 6.67%$146.67
22,800 at 6.68%$146.82
22,800 at 6.69%$146.97
22,800 at 6.7%$147.12
22,800 at 6.71%$147.27
22,800 at 6.72%$147.43
22,800 at 6.73%$147.58
22,800 at 6.74%$147.73
22,800 at 6.75%$147.88
22,800 at 6.76%$148.03
22,800 at 6.77%$148.18
22,800 at 6.78%$148.34
22,800 at 6.79%$148.49
22,800 at 6.8%$148.64
22,800 at 6.81%$148.79
22,800 at 6.82%$148.94
22,800 at 6.83%$149.09
22,800 at 6.84%$149.25
22,800 at 6.85%$149.40
22,800 at 6.86%$149.55
22,800 at 6.87%$149.70
22,800 at 6.88%$149.86
22,800 at 6.89%$150.01
22,800 at 6.9%$150.16
22,800 at 6.91%$150.31
22,800 at 6.92%$150.47
22,800 at 6.93%$150.62
22,800 at 6.94%$150.77
22,800 at 6.95%$150.92
22,800 at 6.96%$151.08
22,800 at 6.97%$151.23
22,800 at 6.98%$151.38
22,800 at 6.99%$151.54
22,800 at 7%$151.69
22,800 at 7.01%$151.84
22,800 at 7.02%$152.00
22,800 at 7.03%$152.15
22,800 at 7.04%$152.30
22,800 at 7.05%$152.46
22,800 at 7.06%$152.61
22,800 at 7.07%$152.76
22,800 at 7.08%$152.92
22,800 at 7.09%$153.07
22,800 at 7.1%$153.22
22,800 at 7.11%$153.38
22,800 at 7.12%$153.53
22,800 at 7.13%$153.68
22,800 at 7.14%$153.84
22,800 at 7.15%$153.99
22,800 at 7.16%$154.15
22,800 at 7.17%$154.30
22,800 at 7.18%$154.46
22,800 at 7.19%$154.61
22,800 at 7.2%$154.76
22,800 at 7.21%$154.92
22,800 at 7.22%$155.07
22,800 at 7.23%$155.23
22,800 at 7.24%$155.38
22,800 at 7.25%$155.54
22,800 at 7.26%$155.69
22,800 at 7.27%$155.85
22,800 at 7.28%$156.00
22,800 at 7.29%$156.16
22,800 at 7.3%$156.31
22,800 at 7.31%$156.47
22,800 at 7.32%$156.62
22,800 at 7.33%$156.78
22,800 at 7.34%$156.93
22,800 at 7.35%$157.09
22,800 at 7.36%$157.24
22,800 at 7.37%$157.40
22,800 at 7.38%$157.55
22,800 at 7.39%$157.71
22,800 at 7.4%$157.86
22,800 at 7.41%$158.02
22,800 at 7.42%$158.17
22,800 at 7.43%$158.33
22,800 at 7.44%$158.49
22,800 at 7.45%$158.64
22,800 at 7.46%$158.80
22,800 at 7.47%$158.95
22,800 at 7.48%$159.11
22,800 at 7.49%$159.26
22,800 at 7.5%$159.42
22,800 at 7.51%$159.58
22,800 at 7.52%$159.73
22,800 at 7.53%$159.89
22,800 at 7.54%$160.05
22,800 at 7.55%$160.20
22,800 at 7.56%$160.36
22,800 at 7.57%$160.52
22,800 at 7.58%$160.67
22,800 at 7.59%$160.83
22,800 at 7.6%$160.99
22,800 at 7.61%$161.14
22,800 at 7.62%$161.30
22,800 at 7.63%$161.46
22,800 at 7.64%$161.61
22,800 at 7.65%$161.77
22,800 at 7.66%$161.93
22,800 at 7.67%$162.08
22,800 at 7.68%$162.24
22,800 at 7.69%$162.40
22,800 at 7.7%$162.55
22,800 at 7.71%$162.71
22,800 at 7.72%$162.87
22,800 at 7.73%$163.03
22,800 at 7.74%$163.18
22,800 at 7.75%$163.34
22,800 at 7.76%$163.50
22,800 at 7.77%$163.66
22,800 at 7.78%$163.81
22,800 at 7.79%$163.97
22,800 at 7.8%$164.13
22,800 at 7.81%$164.29
22,800 at 7.82%$164.45
22,800 at 7.83%$164.60
22,800 at 7.84%$164.76
22,800 at 7.85%$164.92
22,800 at 7.86%$165.08
22,800 at 7.87%$165.24
22,800 at 7.88%$165.39
22,800 at 7.89%$165.55
22,800 at 7.9%$165.71
22,800 at 7.91%$165.87
22,800 at 7.92%$166.03
22,800 at 7.93%$166.19
22,800 at 7.94%$166.35
22,800 at 7.95%$166.50
22,800 at 7.96%$166.66
22,800 at 7.97%$166.82
22,800 at 7.98%$166.98
22,800 at 7.99%$167.14
22,800 at 8%$167.30
More Amounts
What is the down payment for a $22,800 house? How much do you need to put down?
Percent Down Down Payment
1%228
2%456
3%684
4%912
5%1,140
6%1,368
7%1,596
8%1,824
9%2,052
10%2,280
11%2,508
12%2,736
13%2,964
14%3,192
15%3,420
16%3,648
17%3,876
18%4,104
19%4,332
20%4,560
Percent Down Down Payment
21%4,788
22%5,016
23%5,244
24%5,472
25%5,700
26%5,928
27%6,156
28%6,384
29%6,612
30%6,840
31%7,068
32%7,296
33%7,524
34%7,752
35%7,980
36%8,208
37%8,436
38%8,664
39%8,892
40%9,120
Percent Down Down Payment
41%9,348
42%9,576
43%9,804
44%10,032
45%10,260
46%10,488
47%10,716
48%10,944
49%11,172
50%11,400
51%11,628
52%11,856
53%12,084
54%12,312
55%12,540
56%12,768
57%12,996
58%13,224
59%13,452
60%13,680
Percent Down Down Payment
61%13,908
62%14,136
63%14,364
64%14,592
65%14,820
66%15,048
67%15,276
68%15,504
69%15,732
70%15,960
71%16,188
72%16,416
73%16,644
74%16,872
75%17,100
76%17,328
77%17,556
78%17,784
79%18,012
80%18,240
Percent Down Down Payment
81%18,468
82%18,696
83%18,924
84%19,152
85%19,380
86%19,608
87%19,836
88%20,064
89%20,292
90%20,520
91%20,748
92%20,976
93%21,204
94%21,432
95%21,660
96%21,888
97%22,116
98%22,344
99%22,572
100%22,800
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.