$23,700 Mortgage for 30 Years

What is the monthly payment of a 23,700 dollar loan?
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Loan Tables for a $23,700 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 24k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $23,700 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
23,700 at 2.01%$87.72
23,700 at 2.02%$87.84
23,700 at 2.03%$87.96
23,700 at 2.04%$88.07
23,700 at 2.05%$88.19
23,700 at 2.06%$88.31
23,700 at 2.07%$88.43
23,700 at 2.08%$88.55
23,700 at 2.09%$88.67
23,700 at 2.1%$88.79
23,700 at 2.11%$88.91
23,700 at 2.12%$89.03
23,700 at 2.13%$89.15
23,700 at 2.14%$89.27
23,700 at 2.15%$89.39
23,700 at 2.16%$89.51
23,700 at 2.17%$89.63
23,700 at 2.18%$89.75
23,700 at 2.19%$89.87
23,700 at 2.2%$89.99
23,700 at 2.21%$90.11
23,700 at 2.22%$90.23
23,700 at 2.23%$90.35
23,700 at 2.24%$90.47
23,700 at 2.25%$90.59
23,700 at 2.26%$90.71
23,700 at 2.27%$90.83
23,700 at 2.28%$90.96
23,700 at 2.29%$91.08
23,700 at 2.3%$91.20
23,700 at 2.31%$91.32
23,700 at 2.32%$91.44
23,700 at 2.33%$91.56
23,700 at 2.34%$91.68
23,700 at 2.35%$91.81
23,700 at 2.36%$91.93
23,700 at 2.37%$92.05
23,700 at 2.38%$92.17
23,700 at 2.39%$92.29
23,700 at 2.4%$92.42
23,700 at 2.41%$92.54
23,700 at 2.42%$92.66
23,700 at 2.43%$92.78
23,700 at 2.44%$92.91
23,700 at 2.45%$93.03
23,700 at 2.46%$93.15
23,700 at 2.47%$93.27
23,700 at 2.48%$93.40
23,700 at 2.49%$93.52
23,700 at 2.5%$93.64
23,700 at 2.51%$93.77
23,700 at 2.52%$93.89
23,700 at 2.53%$94.01
23,700 at 2.54%$94.14
23,700 at 2.55%$94.26
23,700 at 2.56%$94.38
23,700 at 2.57%$94.51
23,700 at 2.58%$94.63
23,700 at 2.59%$94.76
23,700 at 2.6%$94.88
23,700 at 2.61%$95.00
23,700 at 2.62%$95.13
23,700 at 2.63%$95.25
23,700 at 2.64%$95.38
23,700 at 2.65%$95.50
23,700 at 2.66%$95.63
23,700 at 2.67%$95.75
23,700 at 2.68%$95.88
23,700 at 2.69%$96.00
23,700 at 2.7%$96.13
23,700 at 2.71%$96.25
23,700 at 2.72%$96.38
23,700 at 2.73%$96.50
23,700 at 2.74%$96.63
23,700 at 2.75%$96.75
23,700 at 2.76%$96.88
23,700 at 2.77%$97.00
23,700 at 2.78%$97.13
23,700 at 2.79%$97.26
23,700 at 2.8%$97.38
23,700 at 2.81%$97.51
23,700 at 2.82%$97.63
23,700 at 2.83%$97.76
23,700 at 2.84%$97.89
23,700 at 2.85%$98.01
23,700 at 2.86%$98.14
23,700 at 2.87%$98.27
23,700 at 2.88%$98.39
23,700 at 2.89%$98.52
23,700 at 2.9%$98.65
23,700 at 2.91%$98.77
23,700 at 2.92%$98.90
23,700 at 2.93%$99.03
23,700 at 2.94%$99.15
23,700 at 2.95%$99.28
23,700 at 2.96%$99.41
23,700 at 2.97%$99.54
23,700 at 2.98%$99.66
23,700 at 2.99%$99.79
23,700 at 3%$99.92
23,700 at 3.01%$100.05
23,700 at 3.02%$100.18
23,700 at 3.03%$100.30
23,700 at 3.04%$100.43
23,700 at 3.05%$100.56
23,700 at 3.06%$100.69
23,700 at 3.07%$100.82
23,700 at 3.08%$100.95
23,700 at 3.09%$101.07
23,700 at 3.1%$101.20
23,700 at 3.11%$101.33
23,700 at 3.12%$101.46
23,700 at 3.13%$101.59
23,700 at 3.14%$101.72
23,700 at 3.15%$101.85
23,700 at 3.16%$101.98
23,700 at 3.17%$102.11
23,700 at 3.18%$102.24
23,700 at 3.19%$102.37
23,700 at 3.2%$102.49
23,700 at 3.21%$102.62
23,700 at 3.22%$102.75
23,700 at 3.23%$102.88
23,700 at 3.24%$103.01
23,700 at 3.25%$103.14
23,700 at 3.26%$103.27
23,700 at 3.27%$103.40
23,700 at 3.28%$103.53
23,700 at 3.29%$103.66
23,700 at 3.3%$103.80
23,700 at 3.31%$103.93
23,700 at 3.32%$104.06
23,700 at 3.33%$104.19
23,700 at 3.34%$104.32
23,700 at 3.35%$104.45
23,700 at 3.36%$104.58
23,700 at 3.37%$104.71
23,700 at 3.38%$104.84
23,700 at 3.39%$104.97
23,700 at 3.4%$105.11
23,700 at 3.41%$105.24
23,700 at 3.42%$105.37
23,700 at 3.43%$105.50
23,700 at 3.44%$105.63
23,700 at 3.45%$105.76
23,700 at 3.46%$105.90
23,700 at 3.47%$106.03
23,700 at 3.48%$106.16
23,700 at 3.49%$106.29
23,700 at 3.5%$106.42
Interest Rate 30 Year
23,700 at 3.51%$106.56
23,700 at 3.52%$106.69
23,700 at 3.53%$106.82
23,700 at 3.54%$106.95
23,700 at 3.55%$107.09
23,700 at 3.56%$107.22
23,700 at 3.57%$107.35
23,700 at 3.58%$107.48
23,700 at 3.59%$107.62
23,700 at 3.6%$107.75
23,700 at 3.61%$107.88
23,700 at 3.62%$108.02
23,700 at 3.63%$108.15
23,700 at 3.64%$108.28
23,700 at 3.65%$108.42
23,700 at 3.66%$108.55
23,700 at 3.67%$108.69
23,700 at 3.68%$108.82
23,700 at 3.69%$108.95
23,700 at 3.7%$109.09
23,700 at 3.71%$109.22
23,700 at 3.72%$109.36
23,700 at 3.73%$109.49
23,700 at 3.74%$109.62
23,700 at 3.75%$109.76
23,700 at 3.76%$109.89
23,700 at 3.77%$110.03
23,700 at 3.78%$110.16
23,700 at 3.79%$110.30
23,700 at 3.8%$110.43
23,700 at 3.81%$110.57
23,700 at 3.82%$110.70
23,700 at 3.83%$110.84
23,700 at 3.84%$110.97
23,700 at 3.85%$111.11
23,700 at 3.86%$111.24
23,700 at 3.87%$111.38
23,700 at 3.88%$111.51
23,700 at 3.89%$111.65
23,700 at 3.9%$111.79
23,700 at 3.91%$111.92
23,700 at 3.92%$112.06
23,700 at 3.93%$112.19
23,700 at 3.94%$112.33
23,700 at 3.95%$112.47
23,700 at 3.96%$112.60
23,700 at 3.97%$112.74
23,700 at 3.98%$112.87
23,700 at 3.99%$113.01
23,700 at 4%$113.15
23,700 at 4.01%$113.28
23,700 at 4.02%$113.42
23,700 at 4.03%$113.56
23,700 at 4.04%$113.69
23,700 at 4.05%$113.83
23,700 at 4.06%$113.97
23,700 at 4.07%$114.11
23,700 at 4.08%$114.24
23,700 at 4.09%$114.38
23,700 at 4.1%$114.52
23,700 at 4.11%$114.66
23,700 at 4.12%$114.79
23,700 at 4.13%$114.93
23,700 at 4.14%$115.07
23,700 at 4.15%$115.21
23,700 at 4.16%$115.34
23,700 at 4.17%$115.48
23,700 at 4.18%$115.62
23,700 at 4.19%$115.76
23,700 at 4.2%$115.90
23,700 at 4.21%$116.04
23,700 at 4.22%$116.17
23,700 at 4.23%$116.31
23,700 at 4.24%$116.45
23,700 at 4.25%$116.59
23,700 at 4.26%$116.73
23,700 at 4.27%$116.87
23,700 at 4.28%$117.01
23,700 at 4.29%$117.15
23,700 at 4.3%$117.28
23,700 at 4.31%$117.42
23,700 at 4.32%$117.56
23,700 at 4.33%$117.70
23,700 at 4.34%$117.84
23,700 at 4.35%$117.98
23,700 at 4.36%$118.12
23,700 at 4.37%$118.26
23,700 at 4.38%$118.40
23,700 at 4.39%$118.54
23,700 at 4.4%$118.68
23,700 at 4.41%$118.82
23,700 at 4.42%$118.96
23,700 at 4.43%$119.10
23,700 at 4.44%$119.24
23,700 at 4.45%$119.38
23,700 at 4.46%$119.52
23,700 at 4.47%$119.66
23,700 at 4.48%$119.80
23,700 at 4.49%$119.94
23,700 at 4.5%$120.08
23,700 at 4.51%$120.23
23,700 at 4.52%$120.37
23,700 at 4.53%$120.51
23,700 at 4.54%$120.65
23,700 at 4.55%$120.79
23,700 at 4.56%$120.93
23,700 at 4.57%$121.07
23,700 at 4.58%$121.21
23,700 at 4.59%$121.36
23,700 at 4.6%$121.50
23,700 at 4.61%$121.64
23,700 at 4.62%$121.78
23,700 at 4.63%$121.92
23,700 at 4.64%$122.06
23,700 at 4.65%$122.21
23,700 at 4.66%$122.35
23,700 at 4.67%$122.49
23,700 at 4.68%$122.63
23,700 at 4.69%$122.77
23,700 at 4.7%$122.92
23,700 at 4.71%$123.06
23,700 at 4.72%$123.20
23,700 at 4.73%$123.34
23,700 at 4.74%$123.49
23,700 at 4.75%$123.63
23,700 at 4.76%$123.77
23,700 at 4.77%$123.92
23,700 at 4.78%$124.06
23,700 at 4.79%$124.20
23,700 at 4.8%$124.35
23,700 at 4.81%$124.49
23,700 at 4.82%$124.63
23,700 at 4.83%$124.78
23,700 at 4.84%$124.92
23,700 at 4.85%$125.06
23,700 at 4.86%$125.21
23,700 at 4.87%$125.35
23,700 at 4.88%$125.49
23,700 at 4.89%$125.64
23,700 at 4.9%$125.78
23,700 at 4.91%$125.93
23,700 at 4.92%$126.07
23,700 at 4.93%$126.21
23,700 at 4.94%$126.36
23,700 at 4.95%$126.50
23,700 at 4.96%$126.65
23,700 at 4.97%$126.79
23,700 at 4.98%$126.94
23,700 at 4.99%$127.08
23,700 at 5%$127.23
Interest Rate 30 Year
23,700 at 5.01%$127.37
23,700 at 5.02%$127.52
23,700 at 5.03%$127.66
23,700 at 5.04%$127.81
23,700 at 5.05%$127.95
23,700 at 5.06%$128.10
23,700 at 5.07%$128.24
23,700 at 5.08%$128.39
23,700 at 5.09%$128.53
23,700 at 5.1%$128.68
23,700 at 5.11%$128.82
23,700 at 5.12%$128.97
23,700 at 5.13%$129.12
23,700 at 5.14%$129.26
23,700 at 5.15%$129.41
23,700 at 5.16%$129.55
23,700 at 5.17%$129.70
23,700 at 5.18%$129.85
23,700 at 5.19%$129.99
23,700 at 5.2%$130.14
23,700 at 5.21%$130.29
23,700 at 5.22%$130.43
23,700 at 5.23%$130.58
23,700 at 5.24%$130.73
23,700 at 5.25%$130.87
23,700 at 5.26%$131.02
23,700 at 5.27%$131.17
23,700 at 5.28%$131.31
23,700 at 5.29%$131.46
23,700 at 5.3%$131.61
23,700 at 5.31%$131.75
23,700 at 5.32%$131.90
23,700 at 5.33%$132.05
23,700 at 5.34%$132.20
23,700 at 5.35%$132.34
23,700 at 5.36%$132.49
23,700 at 5.37%$132.64
23,700 at 5.38%$132.79
23,700 at 5.39%$132.93
23,700 at 5.4%$133.08
23,700 at 5.41%$133.23
23,700 at 5.42%$133.38
23,700 at 5.43%$133.53
23,700 at 5.44%$133.68
23,700 at 5.45%$133.82
23,700 at 5.46%$133.97
23,700 at 5.47%$134.12
23,700 at 5.48%$134.27
23,700 at 5.49%$134.42
23,700 at 5.5%$134.57
23,700 at 5.51%$134.71
23,700 at 5.52%$134.86
23,700 at 5.53%$135.01
23,700 at 5.54%$135.16
23,700 at 5.55%$135.31
23,700 at 5.56%$135.46
23,700 at 5.57%$135.61
23,700 at 5.58%$135.76
23,700 at 5.59%$135.91
23,700 at 5.6%$136.06
23,700 at 5.61%$136.21
23,700 at 5.62%$136.36
23,700 at 5.63%$136.51
23,700 at 5.64%$136.66
23,700 at 5.65%$136.80
23,700 at 5.66%$136.95
23,700 at 5.67%$137.10
23,700 at 5.68%$137.25
23,700 at 5.69%$137.40
23,700 at 5.7%$137.55
23,700 at 5.71%$137.71
23,700 at 5.72%$137.86
23,700 at 5.73%$138.01
23,700 at 5.74%$138.16
23,700 at 5.75%$138.31
23,700 at 5.76%$138.46
23,700 at 5.77%$138.61
23,700 at 5.78%$138.76
23,700 at 5.79%$138.91
23,700 at 5.8%$139.06
23,700 at 5.81%$139.21
23,700 at 5.82%$139.36
23,700 at 5.83%$139.51
23,700 at 5.84%$139.66
23,700 at 5.85%$139.82
23,700 at 5.86%$139.97
23,700 at 5.87%$140.12
23,700 at 5.88%$140.27
23,700 at 5.89%$140.42
23,700 at 5.9%$140.57
23,700 at 5.91%$140.73
23,700 at 5.92%$140.88
23,700 at 5.93%$141.03
23,700 at 5.94%$141.18
23,700 at 5.95%$141.33
23,700 at 5.96%$141.48
23,700 at 5.97%$141.64
23,700 at 5.98%$141.79
23,700 at 5.99%$141.94
23,700 at 6%$142.09
23,700 at 6.01%$142.25
23,700 at 6.02%$142.40
23,700 at 6.03%$142.55
23,700 at 6.04%$142.70
23,700 at 6.05%$142.86
23,700 at 6.06%$143.01
23,700 at 6.07%$143.16
23,700 at 6.08%$143.31
23,700 at 6.09%$143.47
23,700 at 6.1%$143.62
23,700 at 6.11%$143.77
23,700 at 6.12%$143.93
23,700 at 6.13%$144.08
23,700 at 6.14%$144.23
23,700 at 6.15%$144.39
23,700 at 6.16%$144.54
23,700 at 6.17%$144.69
23,700 at 6.18%$144.85
23,700 at 6.19%$145.00
23,700 at 6.2%$145.16
23,700 at 6.21%$145.31
23,700 at 6.22%$145.46
23,700 at 6.23%$145.62
23,700 at 6.24%$145.77
23,700 at 6.25%$145.92
23,700 at 6.26%$146.08
23,700 at 6.27%$146.23
23,700 at 6.28%$146.39
23,700 at 6.29%$146.54
23,700 at 6.3%$146.70
23,700 at 6.31%$146.85
23,700 at 6.32%$147.01
23,700 at 6.33%$147.16
23,700 at 6.34%$147.32
23,700 at 6.35%$147.47
23,700 at 6.36%$147.62
23,700 at 6.37%$147.78
23,700 at 6.38%$147.93
23,700 at 6.39%$148.09
23,700 at 6.4%$148.24
23,700 at 6.41%$148.40
23,700 at 6.42%$148.56
23,700 at 6.43%$148.71
23,700 at 6.44%$148.87
23,700 at 6.45%$149.02
23,700 at 6.46%$149.18
23,700 at 6.47%$149.33
23,700 at 6.48%$149.49
23,700 at 6.49%$149.64
23,700 at 6.5%$149.80
Interest Rate 30 Year
23,700 at 6.51%$149.96
23,700 at 6.52%$150.11
23,700 at 6.53%$150.27
23,700 at 6.54%$150.42
23,700 at 6.55%$150.58
23,700 at 6.56%$150.74
23,700 at 6.57%$150.89
23,700 at 6.58%$151.05
23,700 at 6.59%$151.21
23,700 at 6.6%$151.36
23,700 at 6.61%$151.52
23,700 at 6.62%$151.68
23,700 at 6.63%$151.83
23,700 at 6.64%$151.99
23,700 at 6.65%$152.15
23,700 at 6.66%$152.30
23,700 at 6.67%$152.46
23,700 at 6.68%$152.62
23,700 at 6.69%$152.77
23,700 at 6.7%$152.93
23,700 at 6.71%$153.09
23,700 at 6.72%$153.25
23,700 at 6.73%$153.40
23,700 at 6.74%$153.56
23,700 at 6.75%$153.72
23,700 at 6.76%$153.88
23,700 at 6.77%$154.03
23,700 at 6.78%$154.19
23,700 at 6.79%$154.35
23,700 at 6.8%$154.51
23,700 at 6.81%$154.66
23,700 at 6.82%$154.82
23,700 at 6.83%$154.98
23,700 at 6.84%$155.14
23,700 at 6.85%$155.30
23,700 at 6.86%$155.45
23,700 at 6.87%$155.61
23,700 at 6.88%$155.77
23,700 at 6.89%$155.93
23,700 at 6.9%$156.09
23,700 at 6.91%$156.25
23,700 at 6.92%$156.41
23,700 at 6.93%$156.56
23,700 at 6.94%$156.72
23,700 at 6.95%$156.88
23,700 at 6.96%$157.04
23,700 at 6.97%$157.20
23,700 at 6.98%$157.36
23,700 at 6.99%$157.52
23,700 at 7%$157.68
23,700 at 7.01%$157.84
23,700 at 7.02%$158.00
23,700 at 7.03%$158.15
23,700 at 7.04%$158.31
23,700 at 7.05%$158.47
23,700 at 7.06%$158.63
23,700 at 7.07%$158.79
23,700 at 7.08%$158.95
23,700 at 7.09%$159.11
23,700 at 7.1%$159.27
23,700 at 7.11%$159.43
23,700 at 7.12%$159.59
23,700 at 7.13%$159.75
23,700 at 7.14%$159.91
23,700 at 7.15%$160.07
23,700 at 7.16%$160.23
23,700 at 7.17%$160.39
23,700 at 7.18%$160.55
23,700 at 7.19%$160.71
23,700 at 7.2%$160.87
23,700 at 7.21%$161.03
23,700 at 7.22%$161.19
23,700 at 7.23%$161.35
23,700 at 7.24%$161.52
23,700 at 7.25%$161.68
23,700 at 7.26%$161.84
23,700 at 7.27%$162.00
23,700 at 7.28%$162.16
23,700 at 7.29%$162.32
23,700 at 7.3%$162.48
23,700 at 7.31%$162.64
23,700 at 7.32%$162.80
23,700 at 7.33%$162.96
23,700 at 7.34%$163.13
23,700 at 7.35%$163.29
23,700 at 7.36%$163.45
23,700 at 7.37%$163.61
23,700 at 7.38%$163.77
23,700 at 7.39%$163.93
23,700 at 7.4%$164.09
23,700 at 7.41%$164.26
23,700 at 7.42%$164.42
23,700 at 7.43%$164.58
23,700 at 7.44%$164.74
23,700 at 7.45%$164.90
23,700 at 7.46%$165.07
23,700 at 7.47%$165.23
23,700 at 7.48%$165.39
23,700 at 7.49%$165.55
23,700 at 7.5%$165.71
23,700 at 7.51%$165.88
23,700 at 7.52%$166.04
23,700 at 7.53%$166.20
23,700 at 7.54%$166.36
23,700 at 7.55%$166.53
23,700 at 7.56%$166.69
23,700 at 7.57%$166.85
23,700 at 7.58%$167.01
23,700 at 7.59%$167.18
23,700 at 7.6%$167.34
23,700 at 7.61%$167.50
23,700 at 7.62%$167.67
23,700 at 7.63%$167.83
23,700 at 7.64%$167.99
23,700 at 7.65%$168.15
23,700 at 7.66%$168.32
23,700 at 7.67%$168.48
23,700 at 7.68%$168.64
23,700 at 7.69%$168.81
23,700 at 7.7%$168.97
23,700 at 7.71%$169.14
23,700 at 7.72%$169.30
23,700 at 7.73%$169.46
23,700 at 7.74%$169.63
23,700 at 7.75%$169.79
23,700 at 7.76%$169.95
23,700 at 7.77%$170.12
23,700 at 7.78%$170.28
23,700 at 7.79%$170.45
23,700 at 7.8%$170.61
23,700 at 7.81%$170.77
23,700 at 7.82%$170.94
23,700 at 7.83%$171.10
23,700 at 7.84%$171.27
23,700 at 7.85%$171.43
23,700 at 7.86%$171.59
23,700 at 7.87%$171.76
23,700 at 7.88%$171.92
23,700 at 7.89%$172.09
23,700 at 7.9%$172.25
23,700 at 7.91%$172.42
23,700 at 7.92%$172.58
23,700 at 7.93%$172.75
23,700 at 7.94%$172.91
23,700 at 7.95%$173.08
23,700 at 7.96%$173.24
23,700 at 7.97%$173.41
23,700 at 7.98%$173.57
23,700 at 7.99%$173.74
23,700 at 8%$173.90
More Amounts
What is the down payment for a $23,700 house? How much do you need to put down?
Percent Down Down Payment
1%237
2%474
3%711
4%948
5%1,185
6%1,422
7%1,659
8%1,896
9%2,133
10%2,370
11%2,607
12%2,844
13%3,081
14%3,318
15%3,555
16%3,792
17%4,029
18%4,266
19%4,503
20%4,740
Percent Down Down Payment
21%4,977
22%5,214
23%5,451
24%5,688
25%5,925
26%6,162
27%6,399
28%6,636
29%6,873
30%7,110
31%7,347
32%7,584
33%7,821
34%8,058
35%8,295
36%8,532
37%8,769
38%9,006
39%9,243
40%9,480
Percent Down Down Payment
41%9,717
42%9,954
43%10,191
44%10,428
45%10,665
46%10,902
47%11,139
48%11,376
49%11,613
50%11,850
51%12,087
52%12,324
53%12,561
54%12,798
55%13,035
56%13,272
57%13,509
58%13,746
59%13,983
60%14,220
Percent Down Down Payment
61%14,457
62%14,694
63%14,931
64%15,168
65%15,405
66%15,642
67%15,879
68%16,116
69%16,353
70%16,590
71%16,827
72%17,064
73%17,301
74%17,538
75%17,775
76%18,012
77%18,249
78%18,486
79%18,723
80%18,960
Percent Down Down Payment
81%19,197
82%19,434
83%19,671
84%19,908
85%20,145
86%20,382
87%20,619
88%20,856
89%21,093
90%21,330
91%21,567
92%21,804
93%22,041
94%22,278
95%22,515
96%22,752
97%22,989
98%23,226
99%23,463
100%23,700
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.