$23,850 Mortgage for 30 Years

What is the monthly payment of a 23,850 dollar loan?
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Loan Tables for a $23,850 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 $23,850 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
23,850 at 2.01%$88.27
23,850 at 2.02%$88.39
23,850 at 2.03%$88.51
23,850 at 2.04%$88.63
23,850 at 2.05%$88.75
23,850 at 2.06%$88.87
23,850 at 2.07%$88.99
23,850 at 2.08%$89.11
23,850 at 2.09%$89.23
23,850 at 2.1%$89.35
23,850 at 2.11%$89.47
23,850 at 2.12%$89.59
23,850 at 2.13%$89.71
23,850 at 2.14%$89.83
23,850 at 2.15%$89.95
23,850 at 2.16%$90.07
23,850 at 2.17%$90.20
23,850 at 2.18%$90.32
23,850 at 2.19%$90.44
23,850 at 2.2%$90.56
23,850 at 2.21%$90.68
23,850 at 2.22%$90.80
23,850 at 2.23%$90.92
23,850 at 2.24%$91.04
23,850 at 2.25%$91.17
23,850 at 2.26%$91.29
23,850 at 2.27%$91.41
23,850 at 2.28%$91.53
23,850 at 2.29%$91.65
23,850 at 2.3%$91.78
23,850 at 2.31%$91.90
23,850 at 2.32%$92.02
23,850 at 2.33%$92.14
23,850 at 2.34%$92.26
23,850 at 2.35%$92.39
23,850 at 2.36%$92.51
23,850 at 2.37%$92.63
23,850 at 2.38%$92.76
23,850 at 2.39%$92.88
23,850 at 2.4%$93.00
23,850 at 2.41%$93.12
23,850 at 2.42%$93.25
23,850 at 2.43%$93.37
23,850 at 2.44%$93.49
23,850 at 2.45%$93.62
23,850 at 2.46%$93.74
23,850 at 2.47%$93.86
23,850 at 2.48%$93.99
23,850 at 2.49%$94.11
23,850 at 2.5%$94.24
23,850 at 2.51%$94.36
23,850 at 2.52%$94.48
23,850 at 2.53%$94.61
23,850 at 2.54%$94.73
23,850 at 2.55%$94.86
23,850 at 2.56%$94.98
23,850 at 2.57%$95.11
23,850 at 2.58%$95.23
23,850 at 2.59%$95.36
23,850 at 2.6%$95.48
23,850 at 2.61%$95.61
23,850 at 2.62%$95.73
23,850 at 2.63%$95.86
23,850 at 2.64%$95.98
23,850 at 2.65%$96.11
23,850 at 2.66%$96.23
23,850 at 2.67%$96.36
23,850 at 2.68%$96.48
23,850 at 2.69%$96.61
23,850 at 2.7%$96.74
23,850 at 2.71%$96.86
23,850 at 2.72%$96.99
23,850 at 2.73%$97.11
23,850 at 2.74%$97.24
23,850 at 2.75%$97.37
23,850 at 2.76%$97.49
23,850 at 2.77%$97.62
23,850 at 2.78%$97.74
23,850 at 2.79%$97.87
23,850 at 2.8%$98.00
23,850 at 2.81%$98.13
23,850 at 2.82%$98.25
23,850 at 2.83%$98.38
23,850 at 2.84%$98.51
23,850 at 2.85%$98.63
23,850 at 2.86%$98.76
23,850 at 2.87%$98.89
23,850 at 2.88%$99.02
23,850 at 2.89%$99.14
23,850 at 2.9%$99.27
23,850 at 2.91%$99.40
23,850 at 2.92%$99.53
23,850 at 2.93%$99.65
23,850 at 2.94%$99.78
23,850 at 2.95%$99.91
23,850 at 2.96%$100.04
23,850 at 2.97%$100.17
23,850 at 2.98%$100.30
23,850 at 2.99%$100.42
23,850 at 3%$100.55
23,850 at 3.01%$100.68
23,850 at 3.02%$100.81
23,850 at 3.03%$100.94
23,850 at 3.04%$101.07
23,850 at 3.05%$101.20
23,850 at 3.06%$101.33
23,850 at 3.07%$101.46
23,850 at 3.08%$101.58
23,850 at 3.09%$101.71
23,850 at 3.1%$101.84
23,850 at 3.11%$101.97
23,850 at 3.12%$102.10
23,850 at 3.13%$102.23
23,850 at 3.14%$102.36
23,850 at 3.15%$102.49
23,850 at 3.16%$102.62
23,850 at 3.17%$102.75
23,850 at 3.18%$102.88
23,850 at 3.19%$103.01
23,850 at 3.2%$103.14
23,850 at 3.21%$103.27
23,850 at 3.22%$103.40
23,850 at 3.23%$103.54
23,850 at 3.24%$103.67
23,850 at 3.25%$103.80
23,850 at 3.26%$103.93
23,850 at 3.27%$104.06
23,850 at 3.28%$104.19
23,850 at 3.29%$104.32
23,850 at 3.3%$104.45
23,850 at 3.31%$104.58
23,850 at 3.32%$104.72
23,850 at 3.33%$104.85
23,850 at 3.34%$104.98
23,850 at 3.35%$105.11
23,850 at 3.36%$105.24
23,850 at 3.37%$105.37
23,850 at 3.38%$105.51
23,850 at 3.39%$105.64
23,850 at 3.4%$105.77
23,850 at 3.41%$105.90
23,850 at 3.42%$106.03
23,850 at 3.43%$106.17
23,850 at 3.44%$106.30
23,850 at 3.45%$106.43
23,850 at 3.46%$106.57
23,850 at 3.47%$106.70
23,850 at 3.48%$106.83
23,850 at 3.49%$106.96
23,850 at 3.5%$107.10
Interest Rate 30 Year
23,850 at 3.51%$107.23
23,850 at 3.52%$107.36
23,850 at 3.53%$107.50
23,850 at 3.54%$107.63
23,850 at 3.55%$107.76
23,850 at 3.56%$107.90
23,850 at 3.57%$108.03
23,850 at 3.58%$108.17
23,850 at 3.59%$108.30
23,850 at 3.6%$108.43
23,850 at 3.61%$108.57
23,850 at 3.62%$108.70
23,850 at 3.63%$108.84
23,850 at 3.64%$108.97
23,850 at 3.65%$109.10
23,850 at 3.66%$109.24
23,850 at 3.67%$109.37
23,850 at 3.68%$109.51
23,850 at 3.69%$109.64
23,850 at 3.7%$109.78
23,850 at 3.71%$109.91
23,850 at 3.72%$110.05
23,850 at 3.73%$110.18
23,850 at 3.74%$110.32
23,850 at 3.75%$110.45
23,850 at 3.76%$110.59
23,850 at 3.77%$110.72
23,850 at 3.78%$110.86
23,850 at 3.79%$111.00
23,850 at 3.8%$111.13
23,850 at 3.81%$111.27
23,850 at 3.82%$111.40
23,850 at 3.83%$111.54
23,850 at 3.84%$111.67
23,850 at 3.85%$111.81
23,850 at 3.86%$111.95
23,850 at 3.87%$112.08
23,850 at 3.88%$112.22
23,850 at 3.89%$112.36
23,850 at 3.9%$112.49
23,850 at 3.91%$112.63
23,850 at 3.92%$112.77
23,850 at 3.93%$112.90
23,850 at 3.94%$113.04
23,850 at 3.95%$113.18
23,850 at 3.96%$113.31
23,850 at 3.97%$113.45
23,850 at 3.98%$113.59
23,850 at 3.99%$113.73
23,850 at 4%$113.86
23,850 at 4.01%$114.00
23,850 at 4.02%$114.14
23,850 at 4.03%$114.28
23,850 at 4.04%$114.41
23,850 at 4.05%$114.55
23,850 at 4.06%$114.69
23,850 at 4.07%$114.83
23,850 at 4.08%$114.97
23,850 at 4.09%$115.10
23,850 at 4.1%$115.24
23,850 at 4.11%$115.38
23,850 at 4.12%$115.52
23,850 at 4.13%$115.66
23,850 at 4.14%$115.80
23,850 at 4.15%$115.94
23,850 at 4.16%$116.07
23,850 at 4.17%$116.21
23,850 at 4.18%$116.35
23,850 at 4.19%$116.49
23,850 at 4.2%$116.63
23,850 at 4.21%$116.77
23,850 at 4.22%$116.91
23,850 at 4.23%$117.05
23,850 at 4.24%$117.19
23,850 at 4.25%$117.33
23,850 at 4.26%$117.47
23,850 at 4.27%$117.61
23,850 at 4.28%$117.75
23,850 at 4.29%$117.89
23,850 at 4.3%$118.03
23,850 at 4.31%$118.17
23,850 at 4.32%$118.31
23,850 at 4.33%$118.45
23,850 at 4.34%$118.59
23,850 at 4.35%$118.73
23,850 at 4.36%$118.87
23,850 at 4.37%$119.01
23,850 at 4.38%$119.15
23,850 at 4.39%$119.29
23,850 at 4.4%$119.43
23,850 at 4.41%$119.57
23,850 at 4.42%$119.71
23,850 at 4.43%$119.85
23,850 at 4.44%$120.00
23,850 at 4.45%$120.14
23,850 at 4.46%$120.28
23,850 at 4.47%$120.42
23,850 at 4.48%$120.56
23,850 at 4.49%$120.70
23,850 at 4.5%$120.84
23,850 at 4.51%$120.99
23,850 at 4.52%$121.13
23,850 at 4.53%$121.27
23,850 at 4.54%$121.41
23,850 at 4.55%$121.55
23,850 at 4.56%$121.70
23,850 at 4.57%$121.84
23,850 at 4.58%$121.98
23,850 at 4.59%$122.12
23,850 at 4.6%$122.27
23,850 at 4.61%$122.41
23,850 at 4.62%$122.55
23,850 at 4.63%$122.69
23,850 at 4.64%$122.84
23,850 at 4.65%$122.98
23,850 at 4.66%$123.12
23,850 at 4.67%$123.27
23,850 at 4.68%$123.41
23,850 at 4.69%$123.55
23,850 at 4.7%$123.70
23,850 at 4.71%$123.84
23,850 at 4.72%$123.98
23,850 at 4.73%$124.13
23,850 at 4.74%$124.27
23,850 at 4.75%$124.41
23,850 at 4.76%$124.56
23,850 at 4.77%$124.70
23,850 at 4.78%$124.84
23,850 at 4.79%$124.99
23,850 at 4.8%$125.13
23,850 at 4.81%$125.28
23,850 at 4.82%$125.42
23,850 at 4.83%$125.57
23,850 at 4.84%$125.71
23,850 at 4.85%$125.85
23,850 at 4.86%$126.00
23,850 at 4.87%$126.14
23,850 at 4.88%$126.29
23,850 at 4.89%$126.43
23,850 at 4.9%$126.58
23,850 at 4.91%$126.72
23,850 at 4.92%$126.87
23,850 at 4.93%$127.01
23,850 at 4.94%$127.16
23,850 at 4.95%$127.30
23,850 at 4.96%$127.45
23,850 at 4.97%$127.60
23,850 at 4.98%$127.74
23,850 at 4.99%$127.89
23,850 at 5%$128.03
Interest Rate 30 Year
23,850 at 5.01%$128.18
23,850 at 5.02%$128.32
23,850 at 5.03%$128.47
23,850 at 5.04%$128.62
23,850 at 5.05%$128.76
23,850 at 5.06%$128.91
23,850 at 5.07%$129.05
23,850 at 5.08%$129.20
23,850 at 5.09%$129.35
23,850 at 5.1%$129.49
23,850 at 5.11%$129.64
23,850 at 5.12%$129.79
23,850 at 5.13%$129.93
23,850 at 5.14%$130.08
23,850 at 5.15%$130.23
23,850 at 5.16%$130.37
23,850 at 5.17%$130.52
23,850 at 5.18%$130.67
23,850 at 5.19%$130.82
23,850 at 5.2%$130.96
23,850 at 5.21%$131.11
23,850 at 5.22%$131.26
23,850 at 5.23%$131.41
23,850 at 5.24%$131.55
23,850 at 5.25%$131.70
23,850 at 5.26%$131.85
23,850 at 5.27%$132.00
23,850 at 5.28%$132.14
23,850 at 5.29%$132.29
23,850 at 5.3%$132.44
23,850 at 5.31%$132.59
23,850 at 5.32%$132.74
23,850 at 5.33%$132.88
23,850 at 5.34%$133.03
23,850 at 5.35%$133.18
23,850 at 5.36%$133.33
23,850 at 5.37%$133.48
23,850 at 5.38%$133.63
23,850 at 5.39%$133.78
23,850 at 5.4%$133.93
23,850 at 5.41%$134.07
23,850 at 5.42%$134.22
23,850 at 5.43%$134.37
23,850 at 5.44%$134.52
23,850 at 5.45%$134.67
23,850 at 5.46%$134.82
23,850 at 5.47%$134.97
23,850 at 5.48%$135.12
23,850 at 5.49%$135.27
23,850 at 5.5%$135.42
23,850 at 5.51%$135.57
23,850 at 5.52%$135.72
23,850 at 5.53%$135.87
23,850 at 5.54%$136.02
23,850 at 5.55%$136.17
23,850 at 5.56%$136.32
23,850 at 5.57%$136.47
23,850 at 5.58%$136.62
23,850 at 5.59%$136.77
23,850 at 5.6%$136.92
23,850 at 5.61%$137.07
23,850 at 5.62%$137.22
23,850 at 5.63%$137.37
23,850 at 5.64%$137.52
23,850 at 5.65%$137.67
23,850 at 5.66%$137.82
23,850 at 5.67%$137.97
23,850 at 5.68%$138.12
23,850 at 5.69%$138.27
23,850 at 5.7%$138.43
23,850 at 5.71%$138.58
23,850 at 5.72%$138.73
23,850 at 5.73%$138.88
23,850 at 5.74%$139.03
23,850 at 5.75%$139.18
23,850 at 5.76%$139.33
23,850 at 5.77%$139.49
23,850 at 5.78%$139.64
23,850 at 5.79%$139.79
23,850 at 5.8%$139.94
23,850 at 5.81%$140.09
23,850 at 5.82%$140.24
23,850 at 5.83%$140.40
23,850 at 5.84%$140.55
23,850 at 5.85%$140.70
23,850 at 5.86%$140.85
23,850 at 5.87%$141.01
23,850 at 5.88%$141.16
23,850 at 5.89%$141.31
23,850 at 5.9%$141.46
23,850 at 5.91%$141.62
23,850 at 5.92%$141.77
23,850 at 5.93%$141.92
23,850 at 5.94%$142.07
23,850 at 5.95%$142.23
23,850 at 5.96%$142.38
23,850 at 5.97%$142.53
23,850 at 5.98%$142.69
23,850 at 5.99%$142.84
23,850 at 6%$142.99
23,850 at 6.01%$143.15
23,850 at 6.02%$143.30
23,850 at 6.03%$143.45
23,850 at 6.04%$143.61
23,850 at 6.05%$143.76
23,850 at 6.06%$143.91
23,850 at 6.07%$144.07
23,850 at 6.08%$144.22
23,850 at 6.09%$144.38
23,850 at 6.1%$144.53
23,850 at 6.11%$144.68
23,850 at 6.12%$144.84
23,850 at 6.13%$144.99
23,850 at 6.14%$145.15
23,850 at 6.15%$145.30
23,850 at 6.16%$145.46
23,850 at 6.17%$145.61
23,850 at 6.18%$145.76
23,850 at 6.19%$145.92
23,850 at 6.2%$146.07
23,850 at 6.21%$146.23
23,850 at 6.22%$146.38
23,850 at 6.23%$146.54
23,850 at 6.24%$146.69
23,850 at 6.25%$146.85
23,850 at 6.26%$147.00
23,850 at 6.27%$147.16
23,850 at 6.28%$147.31
23,850 at 6.29%$147.47
23,850 at 6.3%$147.63
23,850 at 6.31%$147.78
23,850 at 6.32%$147.94
23,850 at 6.33%$148.09
23,850 at 6.34%$148.25
23,850 at 6.35%$148.40
23,850 at 6.36%$148.56
23,850 at 6.37%$148.71
23,850 at 6.38%$148.87
23,850 at 6.39%$149.03
23,850 at 6.4%$149.18
23,850 at 6.41%$149.34
23,850 at 6.42%$149.50
23,850 at 6.43%$149.65
23,850 at 6.44%$149.81
23,850 at 6.45%$149.96
23,850 at 6.46%$150.12
23,850 at 6.47%$150.28
23,850 at 6.48%$150.43
23,850 at 6.49%$150.59
23,850 at 6.5%$150.75
Interest Rate 30 Year
23,850 at 6.51%$150.91
23,850 at 6.52%$151.06
23,850 at 6.53%$151.22
23,850 at 6.54%$151.38
23,850 at 6.55%$151.53
23,850 at 6.56%$151.69
23,850 at 6.57%$151.85
23,850 at 6.58%$152.01
23,850 at 6.59%$152.16
23,850 at 6.6%$152.32
23,850 at 6.61%$152.48
23,850 at 6.62%$152.64
23,850 at 6.63%$152.79
23,850 at 6.64%$152.95
23,850 at 6.65%$153.11
23,850 at 6.66%$153.27
23,850 at 6.67%$153.42
23,850 at 6.68%$153.58
23,850 at 6.69%$153.74
23,850 at 6.7%$153.90
23,850 at 6.71%$154.06
23,850 at 6.72%$154.22
23,850 at 6.73%$154.37
23,850 at 6.74%$154.53
23,850 at 6.75%$154.69
23,850 at 6.76%$154.85
23,850 at 6.77%$155.01
23,850 at 6.78%$155.17
23,850 at 6.79%$155.33
23,850 at 6.8%$155.48
23,850 at 6.81%$155.64
23,850 at 6.82%$155.80
23,850 at 6.83%$155.96
23,850 at 6.84%$156.12
23,850 at 6.85%$156.28
23,850 at 6.86%$156.44
23,850 at 6.87%$156.60
23,850 at 6.88%$156.76
23,850 at 6.89%$156.92
23,850 at 6.9%$157.08
23,850 at 6.91%$157.24
23,850 at 6.92%$157.40
23,850 at 6.93%$157.56
23,850 at 6.94%$157.71
23,850 at 6.95%$157.87
23,850 at 6.96%$158.03
23,850 at 6.97%$158.19
23,850 at 6.98%$158.35
23,850 at 6.99%$158.51
23,850 at 7%$158.67
23,850 at 7.01%$158.83
23,850 at 7.02%$159.00
23,850 at 7.03%$159.16
23,850 at 7.04%$159.32
23,850 at 7.05%$159.48
23,850 at 7.06%$159.64
23,850 at 7.07%$159.80
23,850 at 7.08%$159.96
23,850 at 7.09%$160.12
23,850 at 7.1%$160.28
23,850 at 7.11%$160.44
23,850 at 7.12%$160.60
23,850 at 7.13%$160.76
23,850 at 7.14%$160.92
23,850 at 7.15%$161.08
23,850 at 7.16%$161.25
23,850 at 7.17%$161.41
23,850 at 7.18%$161.57
23,850 at 7.19%$161.73
23,850 at 7.2%$161.89
23,850 at 7.21%$162.05
23,850 at 7.22%$162.21
23,850 at 7.23%$162.38
23,850 at 7.24%$162.54
23,850 at 7.25%$162.70
23,850 at 7.26%$162.86
23,850 at 7.27%$163.02
23,850 at 7.28%$163.18
23,850 at 7.29%$163.35
23,850 at 7.3%$163.51
23,850 at 7.31%$163.67
23,850 at 7.32%$163.83
23,850 at 7.33%$164.00
23,850 at 7.34%$164.16
23,850 at 7.35%$164.32
23,850 at 7.36%$164.48
23,850 at 7.37%$164.64
23,850 at 7.38%$164.81
23,850 at 7.39%$164.97
23,850 at 7.4%$165.13
23,850 at 7.41%$165.30
23,850 at 7.42%$165.46
23,850 at 7.43%$165.62
23,850 at 7.44%$165.78
23,850 at 7.45%$165.95
23,850 at 7.46%$166.11
23,850 at 7.47%$166.27
23,850 at 7.48%$166.44
23,850 at 7.49%$166.60
23,850 at 7.5%$166.76
23,850 at 7.51%$166.93
23,850 at 7.52%$167.09
23,850 at 7.53%$167.25
23,850 at 7.54%$167.42
23,850 at 7.55%$167.58
23,850 at 7.56%$167.74
23,850 at 7.57%$167.91
23,850 at 7.58%$168.07
23,850 at 7.59%$168.23
23,850 at 7.6%$168.40
23,850 at 7.61%$168.56
23,850 at 7.62%$168.73
23,850 at 7.63%$168.89
23,850 at 7.64%$169.05
23,850 at 7.65%$169.22
23,850 at 7.66%$169.38
23,850 at 7.67%$169.55
23,850 at 7.68%$169.71
23,850 at 7.69%$169.88
23,850 at 7.7%$170.04
23,850 at 7.71%$170.21
23,850 at 7.72%$170.37
23,850 at 7.73%$170.53
23,850 at 7.74%$170.70
23,850 at 7.75%$170.86
23,850 at 7.76%$171.03
23,850 at 7.77%$171.19
23,850 at 7.78%$171.36
23,850 at 7.79%$171.52
23,850 at 7.8%$171.69
23,850 at 7.81%$171.85
23,850 at 7.82%$172.02
23,850 at 7.83%$172.18
23,850 at 7.84%$172.35
23,850 at 7.85%$172.52
23,850 at 7.86%$172.68
23,850 at 7.87%$172.85
23,850 at 7.88%$173.01
23,850 at 7.89%$173.18
23,850 at 7.9%$173.34
23,850 at 7.91%$173.51
23,850 at 7.92%$173.67
23,850 at 7.93%$173.84
23,850 at 7.94%$174.01
23,850 at 7.95%$174.17
23,850 at 7.96%$174.34
23,850 at 7.97%$174.50
23,850 at 7.98%$174.67
23,850 at 7.99%$174.84
23,850 at 8%$175.00
More Amounts
What is the down payment for a $23,850 house? How much do you need to put down?
Percent Down Down Payment
1%239
2%477
3%716
4%954
5%1,193
6%1,431
7%1,670
8%1,908
9%2,147
10%2,385
11%2,624
12%2,862
13%3,101
14%3,339
15%3,578
16%3,816
17%4,055
18%4,293
19%4,532
20%4,770
Percent Down Down Payment
21%5,009
22%5,247
23%5,486
24%5,724
25%5,963
26%6,201
27%6,440
28%6,678
29%6,917
30%7,155
31%7,394
32%7,632
33%7,871
34%8,109
35%8,348
36%8,586
37%8,825
38%9,063
39%9,302
40%9,540
Percent Down Down Payment
41%9,779
42%10,017
43%10,256
44%10,494
45%10,733
46%10,971
47%11,210
48%11,448
49%11,687
50%11,925
51%12,164
52%12,402
53%12,641
54%12,879
55%13,118
56%13,356
57%13,595
58%13,833
59%14,072
60%14,310
Percent Down Down Payment
61%14,549
62%14,787
63%15,026
64%15,264
65%15,503
66%15,741
67%15,980
68%16,218
69%16,457
70%16,695
71%16,934
72%17,172
73%17,411
74%17,649
75%17,888
76%18,126
77%18,365
78%18,603
79%18,842
80%19,080
Percent Down Down Payment
81%19,319
82%19,557
83%19,796
84%20,034
85%20,273
86%20,511
87%20,750
88%20,988
89%21,227
90%21,465
91%21,704
92%21,942
93%22,181
94%22,419
95%22,658
96%22,896
97%23,135
98%23,373
99%23,612
100%23,850
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.