$23,900 Mortgage for 30 Years

What is the monthly payment of a 23,900 dollar loan?
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Loan Tables for a $23,900 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 $23,900 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
23,900 at 2.01%$88.46
23,900 at 2.02%$88.58
23,900 at 2.03%$88.70
23,900 at 2.04%$88.82
23,900 at 2.05%$88.94
23,900 at 2.06%$89.06
23,900 at 2.07%$89.18
23,900 at 2.08%$89.30
23,900 at 2.09%$89.42
23,900 at 2.1%$89.54
23,900 at 2.11%$89.66
23,900 at 2.12%$89.78
23,900 at 2.13%$89.90
23,900 at 2.14%$90.02
23,900 at 2.15%$90.14
23,900 at 2.16%$90.26
23,900 at 2.17%$90.38
23,900 at 2.18%$90.51
23,900 at 2.19%$90.63
23,900 at 2.2%$90.75
23,900 at 2.21%$90.87
23,900 at 2.22%$90.99
23,900 at 2.23%$91.11
23,900 at 2.24%$91.23
23,900 at 2.25%$91.36
23,900 at 2.26%$91.48
23,900 at 2.27%$91.60
23,900 at 2.28%$91.72
23,900 at 2.29%$91.85
23,900 at 2.3%$91.97
23,900 at 2.31%$92.09
23,900 at 2.32%$92.21
23,900 at 2.33%$92.34
23,900 at 2.34%$92.46
23,900 at 2.35%$92.58
23,900 at 2.36%$92.70
23,900 at 2.37%$92.83
23,900 at 2.38%$92.95
23,900 at 2.39%$93.07
23,900 at 2.4%$93.20
23,900 at 2.41%$93.32
23,900 at 2.42%$93.44
23,900 at 2.43%$93.57
23,900 at 2.44%$93.69
23,900 at 2.45%$93.81
23,900 at 2.46%$93.94
23,900 at 2.47%$94.06
23,900 at 2.48%$94.19
23,900 at 2.49%$94.31
23,900 at 2.5%$94.43
23,900 at 2.51%$94.56
23,900 at 2.52%$94.68
23,900 at 2.53%$94.81
23,900 at 2.54%$94.93
23,900 at 2.55%$95.06
23,900 at 2.56%$95.18
23,900 at 2.57%$95.31
23,900 at 2.58%$95.43
23,900 at 2.59%$95.56
23,900 at 2.6%$95.68
23,900 at 2.61%$95.81
23,900 at 2.62%$95.93
23,900 at 2.63%$96.06
23,900 at 2.64%$96.18
23,900 at 2.65%$96.31
23,900 at 2.66%$96.43
23,900 at 2.67%$96.56
23,900 at 2.68%$96.69
23,900 at 2.69%$96.81
23,900 at 2.7%$96.94
23,900 at 2.71%$97.06
23,900 at 2.72%$97.19
23,900 at 2.73%$97.32
23,900 at 2.74%$97.44
23,900 at 2.75%$97.57
23,900 at 2.76%$97.70
23,900 at 2.77%$97.82
23,900 at 2.78%$97.95
23,900 at 2.79%$98.08
23,900 at 2.8%$98.20
23,900 at 2.81%$98.33
23,900 at 2.82%$98.46
23,900 at 2.83%$98.59
23,900 at 2.84%$98.71
23,900 at 2.85%$98.84
23,900 at 2.86%$98.97
23,900 at 2.87%$99.10
23,900 at 2.88%$99.22
23,900 at 2.89%$99.35
23,900 at 2.9%$99.48
23,900 at 2.91%$99.61
23,900 at 2.92%$99.74
23,900 at 2.93%$99.86
23,900 at 2.94%$99.99
23,900 at 2.95%$100.12
23,900 at 2.96%$100.25
23,900 at 2.97%$100.38
23,900 at 2.98%$100.51
23,900 at 2.99%$100.63
23,900 at 3%$100.76
23,900 at 3.01%$100.89
23,900 at 3.02%$101.02
23,900 at 3.03%$101.15
23,900 at 3.04%$101.28
23,900 at 3.05%$101.41
23,900 at 3.06%$101.54
23,900 at 3.07%$101.67
23,900 at 3.08%$101.80
23,900 at 3.09%$101.93
23,900 at 3.1%$102.06
23,900 at 3.11%$102.19
23,900 at 3.12%$102.32
23,900 at 3.13%$102.45
23,900 at 3.14%$102.58
23,900 at 3.15%$102.71
23,900 at 3.16%$102.84
23,900 at 3.17%$102.97
23,900 at 3.18%$103.10
23,900 at 3.19%$103.23
23,900 at 3.2%$103.36
23,900 at 3.21%$103.49
23,900 at 3.22%$103.62
23,900 at 3.23%$103.75
23,900 at 3.24%$103.88
23,900 at 3.25%$104.01
23,900 at 3.26%$104.15
23,900 at 3.27%$104.28
23,900 at 3.28%$104.41
23,900 at 3.29%$104.54
23,900 at 3.3%$104.67
23,900 at 3.31%$104.80
23,900 at 3.32%$104.93
23,900 at 3.33%$105.07
23,900 at 3.34%$105.20
23,900 at 3.35%$105.33
23,900 at 3.36%$105.46
23,900 at 3.37%$105.59
23,900 at 3.38%$105.73
23,900 at 3.39%$105.86
23,900 at 3.4%$105.99
23,900 at 3.41%$106.12
23,900 at 3.42%$106.26
23,900 at 3.43%$106.39
23,900 at 3.44%$106.52
23,900 at 3.45%$106.66
23,900 at 3.46%$106.79
23,900 at 3.47%$106.92
23,900 at 3.48%$107.06
23,900 at 3.49%$107.19
23,900 at 3.5%$107.32
Interest Rate 30 Year
23,900 at 3.51%$107.46
23,900 at 3.52%$107.59
23,900 at 3.53%$107.72
23,900 at 3.54%$107.86
23,900 at 3.55%$107.99
23,900 at 3.56%$108.12
23,900 at 3.57%$108.26
23,900 at 3.58%$108.39
23,900 at 3.59%$108.53
23,900 at 3.6%$108.66
23,900 at 3.61%$108.79
23,900 at 3.62%$108.93
23,900 at 3.63%$109.06
23,900 at 3.64%$109.20
23,900 at 3.65%$109.33
23,900 at 3.66%$109.47
23,900 at 3.67%$109.60
23,900 at 3.68%$109.74
23,900 at 3.69%$109.87
23,900 at 3.7%$110.01
23,900 at 3.71%$110.14
23,900 at 3.72%$110.28
23,900 at 3.73%$110.41
23,900 at 3.74%$110.55
23,900 at 3.75%$110.68
23,900 at 3.76%$110.82
23,900 at 3.77%$110.96
23,900 at 3.78%$111.09
23,900 at 3.79%$111.23
23,900 at 3.8%$111.36
23,900 at 3.81%$111.50
23,900 at 3.82%$111.64
23,900 at 3.83%$111.77
23,900 at 3.84%$111.91
23,900 at 3.85%$112.05
23,900 at 3.86%$112.18
23,900 at 3.87%$112.32
23,900 at 3.88%$112.46
23,900 at 3.89%$112.59
23,900 at 3.9%$112.73
23,900 at 3.91%$112.87
23,900 at 3.92%$113.00
23,900 at 3.93%$113.14
23,900 at 3.94%$113.28
23,900 at 3.95%$113.41
23,900 at 3.96%$113.55
23,900 at 3.97%$113.69
23,900 at 3.98%$113.83
23,900 at 3.99%$113.96
23,900 at 4%$114.10
23,900 at 4.01%$114.24
23,900 at 4.02%$114.38
23,900 at 4.03%$114.52
23,900 at 4.04%$114.65
23,900 at 4.05%$114.79
23,900 at 4.06%$114.93
23,900 at 4.07%$115.07
23,900 at 4.08%$115.21
23,900 at 4.09%$115.35
23,900 at 4.1%$115.48
23,900 at 4.11%$115.62
23,900 at 4.12%$115.76
23,900 at 4.13%$115.90
23,900 at 4.14%$116.04
23,900 at 4.15%$116.18
23,900 at 4.16%$116.32
23,900 at 4.17%$116.46
23,900 at 4.18%$116.60
23,900 at 4.19%$116.74
23,900 at 4.2%$116.88
23,900 at 4.21%$117.01
23,900 at 4.22%$117.15
23,900 at 4.23%$117.29
23,900 at 4.24%$117.43
23,900 at 4.25%$117.57
23,900 at 4.26%$117.71
23,900 at 4.27%$117.85
23,900 at 4.28%$117.99
23,900 at 4.29%$118.13
23,900 at 4.3%$118.27
23,900 at 4.31%$118.41
23,900 at 4.32%$118.56
23,900 at 4.33%$118.70
23,900 at 4.34%$118.84
23,900 at 4.35%$118.98
23,900 at 4.36%$119.12
23,900 at 4.37%$119.26
23,900 at 4.38%$119.40
23,900 at 4.39%$119.54
23,900 at 4.4%$119.68
23,900 at 4.41%$119.82
23,900 at 4.42%$119.96
23,900 at 4.43%$120.11
23,900 at 4.44%$120.25
23,900 at 4.45%$120.39
23,900 at 4.46%$120.53
23,900 at 4.47%$120.67
23,900 at 4.48%$120.81
23,900 at 4.49%$120.96
23,900 at 4.5%$121.10
23,900 at 4.51%$121.24
23,900 at 4.52%$121.38
23,900 at 4.53%$121.52
23,900 at 4.54%$121.67
23,900 at 4.55%$121.81
23,900 at 4.56%$121.95
23,900 at 4.57%$122.09
23,900 at 4.58%$122.24
23,900 at 4.59%$122.38
23,900 at 4.6%$122.52
23,900 at 4.61%$122.66
23,900 at 4.62%$122.81
23,900 at 4.63%$122.95
23,900 at 4.64%$123.09
23,900 at 4.65%$123.24
23,900 at 4.66%$123.38
23,900 at 4.67%$123.52
23,900 at 4.68%$123.67
23,900 at 4.69%$123.81
23,900 at 4.7%$123.95
23,900 at 4.71%$124.10
23,900 at 4.72%$124.24
23,900 at 4.73%$124.39
23,900 at 4.74%$124.53
23,900 at 4.75%$124.67
23,900 at 4.76%$124.82
23,900 at 4.77%$124.96
23,900 at 4.78%$125.11
23,900 at 4.79%$125.25
23,900 at 4.8%$125.40
23,900 at 4.81%$125.54
23,900 at 4.82%$125.68
23,900 at 4.83%$125.83
23,900 at 4.84%$125.97
23,900 at 4.85%$126.12
23,900 at 4.86%$126.26
23,900 at 4.87%$126.41
23,900 at 4.88%$126.55
23,900 at 4.89%$126.70
23,900 at 4.9%$126.84
23,900 at 4.91%$126.99
23,900 at 4.92%$127.13
23,900 at 4.93%$127.28
23,900 at 4.94%$127.43
23,900 at 4.95%$127.57
23,900 at 4.96%$127.72
23,900 at 4.97%$127.86
23,900 at 4.98%$128.01
23,900 at 4.99%$128.15
23,900 at 5%$128.30
Interest Rate 30 Year
23,900 at 5.01%$128.45
23,900 at 5.02%$128.59
23,900 at 5.03%$128.74
23,900 at 5.04%$128.89
23,900 at 5.05%$129.03
23,900 at 5.06%$129.18
23,900 at 5.07%$129.32
23,900 at 5.08%$129.47
23,900 at 5.09%$129.62
23,900 at 5.1%$129.76
23,900 at 5.11%$129.91
23,900 at 5.12%$130.06
23,900 at 5.13%$130.21
23,900 at 5.14%$130.35
23,900 at 5.15%$130.50
23,900 at 5.16%$130.65
23,900 at 5.17%$130.79
23,900 at 5.18%$130.94
23,900 at 5.19%$131.09
23,900 at 5.2%$131.24
23,900 at 5.21%$131.39
23,900 at 5.22%$131.53
23,900 at 5.23%$131.68
23,900 at 5.24%$131.83
23,900 at 5.25%$131.98
23,900 at 5.26%$132.12
23,900 at 5.27%$132.27
23,900 at 5.28%$132.42
23,900 at 5.29%$132.57
23,900 at 5.3%$132.72
23,900 at 5.31%$132.87
23,900 at 5.32%$133.01
23,900 at 5.33%$133.16
23,900 at 5.34%$133.31
23,900 at 5.35%$133.46
23,900 at 5.36%$133.61
23,900 at 5.37%$133.76
23,900 at 5.38%$133.91
23,900 at 5.39%$134.06
23,900 at 5.4%$134.21
23,900 at 5.41%$134.36
23,900 at 5.42%$134.50
23,900 at 5.43%$134.65
23,900 at 5.44%$134.80
23,900 at 5.45%$134.95
23,900 at 5.46%$135.10
23,900 at 5.47%$135.25
23,900 at 5.48%$135.40
23,900 at 5.49%$135.55
23,900 at 5.5%$135.70
23,900 at 5.51%$135.85
23,900 at 5.52%$136.00
23,900 at 5.53%$136.15
23,900 at 5.54%$136.30
23,900 at 5.55%$136.45
23,900 at 5.56%$136.60
23,900 at 5.57%$136.75
23,900 at 5.58%$136.90
23,900 at 5.59%$137.05
23,900 at 5.6%$137.20
23,900 at 5.61%$137.36
23,900 at 5.62%$137.51
23,900 at 5.63%$137.66
23,900 at 5.64%$137.81
23,900 at 5.65%$137.96
23,900 at 5.66%$138.11
23,900 at 5.67%$138.26
23,900 at 5.68%$138.41
23,900 at 5.69%$138.56
23,900 at 5.7%$138.72
23,900 at 5.71%$138.87
23,900 at 5.72%$139.02
23,900 at 5.73%$139.17
23,900 at 5.74%$139.32
23,900 at 5.75%$139.47
23,900 at 5.76%$139.63
23,900 at 5.77%$139.78
23,900 at 5.78%$139.93
23,900 at 5.79%$140.08
23,900 at 5.8%$140.23
23,900 at 5.81%$140.39
23,900 at 5.82%$140.54
23,900 at 5.83%$140.69
23,900 at 5.84%$140.84
23,900 at 5.85%$141.00
23,900 at 5.86%$141.15
23,900 at 5.87%$141.30
23,900 at 5.88%$141.45
23,900 at 5.89%$141.61
23,900 at 5.9%$141.76
23,900 at 5.91%$141.91
23,900 at 5.92%$142.07
23,900 at 5.93%$142.22
23,900 at 5.94%$142.37
23,900 at 5.95%$142.53
23,900 at 5.96%$142.68
23,900 at 5.97%$142.83
23,900 at 5.98%$142.99
23,900 at 5.99%$143.14
23,900 at 6%$143.29
23,900 at 6.01%$143.45
23,900 at 6.02%$143.60
23,900 at 6.03%$143.75
23,900 at 6.04%$143.91
23,900 at 6.05%$144.06
23,900 at 6.06%$144.22
23,900 at 6.07%$144.37
23,900 at 6.08%$144.52
23,900 at 6.09%$144.68
23,900 at 6.1%$144.83
23,900 at 6.11%$144.99
23,900 at 6.12%$145.14
23,900 at 6.13%$145.30
23,900 at 6.14%$145.45
23,900 at 6.15%$145.61
23,900 at 6.16%$145.76
23,900 at 6.17%$145.92
23,900 at 6.18%$146.07
23,900 at 6.19%$146.23
23,900 at 6.2%$146.38
23,900 at 6.21%$146.54
23,900 at 6.22%$146.69
23,900 at 6.23%$146.85
23,900 at 6.24%$147.00
23,900 at 6.25%$147.16
23,900 at 6.26%$147.31
23,900 at 6.27%$147.47
23,900 at 6.28%$147.62
23,900 at 6.29%$147.78
23,900 at 6.3%$147.93
23,900 at 6.31%$148.09
23,900 at 6.32%$148.25
23,900 at 6.33%$148.40
23,900 at 6.34%$148.56
23,900 at 6.35%$148.71
23,900 at 6.36%$148.87
23,900 at 6.37%$149.03
23,900 at 6.38%$149.18
23,900 at 6.39%$149.34
23,900 at 6.4%$149.50
23,900 at 6.41%$149.65
23,900 at 6.42%$149.81
23,900 at 6.43%$149.97
23,900 at 6.44%$150.12
23,900 at 6.45%$150.28
23,900 at 6.46%$150.44
23,900 at 6.47%$150.59
23,900 at 6.48%$150.75
23,900 at 6.49%$150.91
23,900 at 6.5%$151.06
Interest Rate 30 Year
23,900 at 6.51%$151.22
23,900 at 6.52%$151.38
23,900 at 6.53%$151.54
23,900 at 6.54%$151.69
23,900 at 6.55%$151.85
23,900 at 6.56%$152.01
23,900 at 6.57%$152.17
23,900 at 6.58%$152.32
23,900 at 6.59%$152.48
23,900 at 6.6%$152.64
23,900 at 6.61%$152.80
23,900 at 6.62%$152.96
23,900 at 6.63%$153.11
23,900 at 6.64%$153.27
23,900 at 6.65%$153.43
23,900 at 6.66%$153.59
23,900 at 6.67%$153.75
23,900 at 6.68%$153.90
23,900 at 6.69%$154.06
23,900 at 6.7%$154.22
23,900 at 6.71%$154.38
23,900 at 6.72%$154.54
23,900 at 6.73%$154.70
23,900 at 6.74%$154.86
23,900 at 6.75%$155.01
23,900 at 6.76%$155.17
23,900 at 6.77%$155.33
23,900 at 6.78%$155.49
23,900 at 6.79%$155.65
23,900 at 6.8%$155.81
23,900 at 6.81%$155.97
23,900 at 6.82%$156.13
23,900 at 6.83%$156.29
23,900 at 6.84%$156.45
23,900 at 6.85%$156.61
23,900 at 6.86%$156.77
23,900 at 6.87%$156.93
23,900 at 6.88%$157.09
23,900 at 6.89%$157.25
23,900 at 6.9%$157.41
23,900 at 6.91%$157.57
23,900 at 6.92%$157.73
23,900 at 6.93%$157.89
23,900 at 6.94%$158.05
23,900 at 6.95%$158.21
23,900 at 6.96%$158.37
23,900 at 6.97%$158.53
23,900 at 6.98%$158.69
23,900 at 6.99%$158.85
23,900 at 7%$159.01
23,900 at 7.01%$159.17
23,900 at 7.02%$159.33
23,900 at 7.03%$159.49
23,900 at 7.04%$159.65
23,900 at 7.05%$159.81
23,900 at 7.06%$159.97
23,900 at 7.07%$160.13
23,900 at 7.08%$160.29
23,900 at 7.09%$160.45
23,900 at 7.1%$160.62
23,900 at 7.11%$160.78
23,900 at 7.12%$160.94
23,900 at 7.13%$161.10
23,900 at 7.14%$161.26
23,900 at 7.15%$161.42
23,900 at 7.16%$161.58
23,900 at 7.17%$161.75
23,900 at 7.18%$161.91
23,900 at 7.19%$162.07
23,900 at 7.2%$162.23
23,900 at 7.21%$162.39
23,900 at 7.22%$162.55
23,900 at 7.23%$162.72
23,900 at 7.24%$162.88
23,900 at 7.25%$163.04
23,900 at 7.26%$163.20
23,900 at 7.27%$163.36
23,900 at 7.28%$163.53
23,900 at 7.29%$163.69
23,900 at 7.3%$163.85
23,900 at 7.31%$164.01
23,900 at 7.32%$164.18
23,900 at 7.33%$164.34
23,900 at 7.34%$164.50
23,900 at 7.35%$164.66
23,900 at 7.36%$164.83
23,900 at 7.37%$164.99
23,900 at 7.38%$165.15
23,900 at 7.39%$165.32
23,900 at 7.4%$165.48
23,900 at 7.41%$165.64
23,900 at 7.42%$165.80
23,900 at 7.43%$165.97
23,900 at 7.44%$166.13
23,900 at 7.45%$166.29
23,900 at 7.46%$166.46
23,900 at 7.47%$166.62
23,900 at 7.48%$166.79
23,900 at 7.49%$166.95
23,900 at 7.5%$167.11
23,900 at 7.51%$167.28
23,900 at 7.52%$167.44
23,900 at 7.53%$167.60
23,900 at 7.54%$167.77
23,900 at 7.55%$167.93
23,900 at 7.56%$168.10
23,900 at 7.57%$168.26
23,900 at 7.58%$168.42
23,900 at 7.59%$168.59
23,900 at 7.6%$168.75
23,900 at 7.61%$168.92
23,900 at 7.62%$169.08
23,900 at 7.63%$169.24
23,900 at 7.64%$169.41
23,900 at 7.65%$169.57
23,900 at 7.66%$169.74
23,900 at 7.67%$169.90
23,900 at 7.68%$170.07
23,900 at 7.69%$170.23
23,900 at 7.7%$170.40
23,900 at 7.71%$170.56
23,900 at 7.72%$170.73
23,900 at 7.73%$170.89
23,900 at 7.74%$171.06
23,900 at 7.75%$171.22
23,900 at 7.76%$171.39
23,900 at 7.77%$171.55
23,900 at 7.78%$171.72
23,900 at 7.79%$171.88
23,900 at 7.8%$172.05
23,900 at 7.81%$172.21
23,900 at 7.82%$172.38
23,900 at 7.83%$172.55
23,900 at 7.84%$172.71
23,900 at 7.85%$172.88
23,900 at 7.86%$173.04
23,900 at 7.87%$173.21
23,900 at 7.88%$173.37
23,900 at 7.89%$173.54
23,900 at 7.9%$173.71
23,900 at 7.91%$173.87
23,900 at 7.92%$174.04
23,900 at 7.93%$174.20
23,900 at 7.94%$174.37
23,900 at 7.95%$174.54
23,900 at 7.96%$174.70
23,900 at 7.97%$174.87
23,900 at 7.98%$175.04
23,900 at 7.99%$175.20
23,900 at 8%$175.37
More Amounts
What is the down payment for a $23,900 house? How much do you need to put down?
Percent Down Down Payment
1%239
2%478
3%717
4%956
5%1,195
6%1,434
7%1,673
8%1,912
9%2,151
10%2,390
11%2,629
12%2,868
13%3,107
14%3,346
15%3,585
16%3,824
17%4,063
18%4,302
19%4,541
20%4,780
Percent Down Down Payment
21%5,019
22%5,258
23%5,497
24%5,736
25%5,975
26%6,214
27%6,453
28%6,692
29%6,931
30%7,170
31%7,409
32%7,648
33%7,887
34%8,126
35%8,365
36%8,604
37%8,843
38%9,082
39%9,321
40%9,560
Percent Down Down Payment
41%9,799
42%10,038
43%10,277
44%10,516
45%10,755
46%10,994
47%11,233
48%11,472
49%11,711
50%11,950
51%12,189
52%12,428
53%12,667
54%12,906
55%13,145
56%13,384
57%13,623
58%13,862
59%14,101
60%14,340
Percent Down Down Payment
61%14,579
62%14,818
63%15,057
64%15,296
65%15,535
66%15,774
67%16,013
68%16,252
69%16,491
70%16,730
71%16,969
72%17,208
73%17,447
74%17,686
75%17,925
76%18,164
77%18,403
78%18,642
79%18,881
80%19,120
Percent Down Down Payment
81%19,359
82%19,598
83%19,837
84%20,076
85%20,315
86%20,554
87%20,793
88%21,032
89%21,271
90%21,510
91%21,749
92%21,988
93%22,227
94%22,466
95%22,705
96%22,944
97%23,183
98%23,422
99%23,661
100%23,900
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.