$24,100 Mortgage for 30 Years

What is the monthly payment of a 24,100 dollar loan?
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Loan Tables for a $24,100 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 $24,100 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
24,100 at 2.01%$89.20
24,100 at 2.02%$89.32
24,100 at 2.03%$89.44
24,100 at 2.04%$89.56
24,100 at 2.05%$89.68
24,100 at 2.06%$89.80
24,100 at 2.07%$89.92
24,100 at 2.08%$90.05
24,100 at 2.09%$90.17
24,100 at 2.1%$90.29
24,100 at 2.11%$90.41
24,100 at 2.12%$90.53
24,100 at 2.13%$90.65
24,100 at 2.14%$90.77
24,100 at 2.15%$90.90
24,100 at 2.16%$91.02
24,100 at 2.17%$91.14
24,100 at 2.18%$91.26
24,100 at 2.19%$91.39
24,100 at 2.2%$91.51
24,100 at 2.21%$91.63
24,100 at 2.22%$91.75
24,100 at 2.23%$91.88
24,100 at 2.24%$92.00
24,100 at 2.25%$92.12
24,100 at 2.26%$92.24
24,100 at 2.27%$92.37
24,100 at 2.28%$92.49
24,100 at 2.29%$92.61
24,100 at 2.3%$92.74
24,100 at 2.31%$92.86
24,100 at 2.32%$92.98
24,100 at 2.33%$93.11
24,100 at 2.34%$93.23
24,100 at 2.35%$93.36
24,100 at 2.36%$93.48
24,100 at 2.37%$93.60
24,100 at 2.38%$93.73
24,100 at 2.39%$93.85
24,100 at 2.4%$93.98
24,100 at 2.41%$94.10
24,100 at 2.42%$94.22
24,100 at 2.43%$94.35
24,100 at 2.44%$94.47
24,100 at 2.45%$94.60
24,100 at 2.46%$94.72
24,100 at 2.47%$94.85
24,100 at 2.48%$94.97
24,100 at 2.49%$95.10
24,100 at 2.5%$95.22
24,100 at 2.51%$95.35
24,100 at 2.52%$95.47
24,100 at 2.53%$95.60
24,100 at 2.54%$95.73
24,100 at 2.55%$95.85
24,100 at 2.56%$95.98
24,100 at 2.57%$96.10
24,100 at 2.58%$96.23
24,100 at 2.59%$96.36
24,100 at 2.6%$96.48
24,100 at 2.61%$96.61
24,100 at 2.62%$96.73
24,100 at 2.63%$96.86
24,100 at 2.64%$96.99
24,100 at 2.65%$97.11
24,100 at 2.66%$97.24
24,100 at 2.67%$97.37
24,100 at 2.68%$97.49
24,100 at 2.69%$97.62
24,100 at 2.7%$97.75
24,100 at 2.71%$97.88
24,100 at 2.72%$98.00
24,100 at 2.73%$98.13
24,100 at 2.74%$98.26
24,100 at 2.75%$98.39
24,100 at 2.76%$98.51
24,100 at 2.77%$98.64
24,100 at 2.78%$98.77
24,100 at 2.79%$98.90
24,100 at 2.8%$99.03
24,100 at 2.81%$99.15
24,100 at 2.82%$99.28
24,100 at 2.83%$99.41
24,100 at 2.84%$99.54
24,100 at 2.85%$99.67
24,100 at 2.86%$99.80
24,100 at 2.87%$99.92
24,100 at 2.88%$100.05
24,100 at 2.89%$100.18
24,100 at 2.9%$100.31
24,100 at 2.91%$100.44
24,100 at 2.92%$100.57
24,100 at 2.93%$100.70
24,100 at 2.94%$100.83
24,100 at 2.95%$100.96
24,100 at 2.96%$101.09
24,100 at 2.97%$101.22
24,100 at 2.98%$101.35
24,100 at 2.99%$101.48
24,100 at 3%$101.61
24,100 at 3.01%$101.74
24,100 at 3.02%$101.87
24,100 at 3.03%$102.00
24,100 at 3.04%$102.13
24,100 at 3.05%$102.26
24,100 at 3.06%$102.39
24,100 at 3.07%$102.52
24,100 at 3.08%$102.65
24,100 at 3.09%$102.78
24,100 at 3.1%$102.91
24,100 at 3.11%$103.04
24,100 at 3.12%$103.17
24,100 at 3.13%$103.30
24,100 at 3.14%$103.44
24,100 at 3.15%$103.57
24,100 at 3.16%$103.70
24,100 at 3.17%$103.83
24,100 at 3.18%$103.96
24,100 at 3.19%$104.09
24,100 at 3.2%$104.22
24,100 at 3.21%$104.36
24,100 at 3.22%$104.49
24,100 at 3.23%$104.62
24,100 at 3.24%$104.75
24,100 at 3.25%$104.88
24,100 at 3.26%$105.02
24,100 at 3.27%$105.15
24,100 at 3.28%$105.28
24,100 at 3.29%$105.41
24,100 at 3.3%$105.55
24,100 at 3.31%$105.68
24,100 at 3.32%$105.81
24,100 at 3.33%$105.95
24,100 at 3.34%$106.08
24,100 at 3.35%$106.21
24,100 at 3.36%$106.35
24,100 at 3.37%$106.48
24,100 at 3.38%$106.61
24,100 at 3.39%$106.75
24,100 at 3.4%$106.88
24,100 at 3.41%$107.01
24,100 at 3.42%$107.15
24,100 at 3.43%$107.28
24,100 at 3.44%$107.41
24,100 at 3.45%$107.55
24,100 at 3.46%$107.68
24,100 at 3.47%$107.82
24,100 at 3.48%$107.95
24,100 at 3.49%$108.09
24,100 at 3.5%$108.22
Interest Rate 30 Year
24,100 at 3.51%$108.35
24,100 at 3.52%$108.49
24,100 at 3.53%$108.62
24,100 at 3.54%$108.76
24,100 at 3.55%$108.89
24,100 at 3.56%$109.03
24,100 at 3.57%$109.16
24,100 at 3.58%$109.30
24,100 at 3.59%$109.43
24,100 at 3.6%$109.57
24,100 at 3.61%$109.70
24,100 at 3.62%$109.84
24,100 at 3.63%$109.98
24,100 at 3.64%$110.11
24,100 at 3.65%$110.25
24,100 at 3.66%$110.38
24,100 at 3.67%$110.52
24,100 at 3.68%$110.66
24,100 at 3.69%$110.79
24,100 at 3.7%$110.93
24,100 at 3.71%$111.06
24,100 at 3.72%$111.20
24,100 at 3.73%$111.34
24,100 at 3.74%$111.47
24,100 at 3.75%$111.61
24,100 at 3.76%$111.75
24,100 at 3.77%$111.88
24,100 at 3.78%$112.02
24,100 at 3.79%$112.16
24,100 at 3.8%$112.30
24,100 at 3.81%$112.43
24,100 at 3.82%$112.57
24,100 at 3.83%$112.71
24,100 at 3.84%$112.85
24,100 at 3.85%$112.98
24,100 at 3.86%$113.12
24,100 at 3.87%$113.26
24,100 at 3.88%$113.40
24,100 at 3.89%$113.53
24,100 at 3.9%$113.67
24,100 at 3.91%$113.81
24,100 at 3.92%$113.95
24,100 at 3.93%$114.09
24,100 at 3.94%$114.23
24,100 at 3.95%$114.36
24,100 at 3.96%$114.50
24,100 at 3.97%$114.64
24,100 at 3.98%$114.78
24,100 at 3.99%$114.92
24,100 at 4%$115.06
24,100 at 4.01%$115.20
24,100 at 4.02%$115.34
24,100 at 4.03%$115.47
24,100 at 4.04%$115.61
24,100 at 4.05%$115.75
24,100 at 4.06%$115.89
24,100 at 4.07%$116.03
24,100 at 4.08%$116.17
24,100 at 4.09%$116.31
24,100 at 4.1%$116.45
24,100 at 4.11%$116.59
24,100 at 4.12%$116.73
24,100 at 4.13%$116.87
24,100 at 4.14%$117.01
24,100 at 4.15%$117.15
24,100 at 4.16%$117.29
24,100 at 4.17%$117.43
24,100 at 4.18%$117.57
24,100 at 4.19%$117.71
24,100 at 4.2%$117.85
24,100 at 4.21%$117.99
24,100 at 4.22%$118.13
24,100 at 4.23%$118.28
24,100 at 4.24%$118.42
24,100 at 4.25%$118.56
24,100 at 4.26%$118.70
24,100 at 4.27%$118.84
24,100 at 4.28%$118.98
24,100 at 4.29%$119.12
24,100 at 4.3%$119.26
24,100 at 4.31%$119.41
24,100 at 4.32%$119.55
24,100 at 4.33%$119.69
24,100 at 4.34%$119.83
24,100 at 4.35%$119.97
24,100 at 4.36%$120.11
24,100 at 4.37%$120.26
24,100 at 4.38%$120.40
24,100 at 4.39%$120.54
24,100 at 4.4%$120.68
24,100 at 4.41%$120.83
24,100 at 4.42%$120.97
24,100 at 4.43%$121.11
24,100 at 4.44%$121.25
24,100 at 4.45%$121.40
24,100 at 4.46%$121.54
24,100 at 4.47%$121.68
24,100 at 4.48%$121.82
24,100 at 4.49%$121.97
24,100 at 4.5%$122.11
24,100 at 4.51%$122.25
24,100 at 4.52%$122.40
24,100 at 4.53%$122.54
24,100 at 4.54%$122.68
24,100 at 4.55%$122.83
24,100 at 4.56%$122.97
24,100 at 4.57%$123.12
24,100 at 4.58%$123.26
24,100 at 4.59%$123.40
24,100 at 4.6%$123.55
24,100 at 4.61%$123.69
24,100 at 4.62%$123.84
24,100 at 4.63%$123.98
24,100 at 4.64%$124.12
24,100 at 4.65%$124.27
24,100 at 4.66%$124.41
24,100 at 4.67%$124.56
24,100 at 4.68%$124.70
24,100 at 4.69%$124.85
24,100 at 4.7%$124.99
24,100 at 4.71%$125.14
24,100 at 4.72%$125.28
24,100 at 4.73%$125.43
24,100 at 4.74%$125.57
24,100 at 4.75%$125.72
24,100 at 4.76%$125.86
24,100 at 4.77%$126.01
24,100 at 4.78%$126.15
24,100 at 4.79%$126.30
24,100 at 4.8%$126.44
24,100 at 4.81%$126.59
24,100 at 4.82%$126.74
24,100 at 4.83%$126.88
24,100 at 4.84%$127.03
24,100 at 4.85%$127.17
24,100 at 4.86%$127.32
24,100 at 4.87%$127.47
24,100 at 4.88%$127.61
24,100 at 4.89%$127.76
24,100 at 4.9%$127.91
24,100 at 4.91%$128.05
24,100 at 4.92%$128.20
24,100 at 4.93%$128.34
24,100 at 4.94%$128.49
24,100 at 4.95%$128.64
24,100 at 4.96%$128.79
24,100 at 4.97%$128.93
24,100 at 4.98%$129.08
24,100 at 4.99%$129.23
24,100 at 5%$129.37
Interest Rate 30 Year
24,100 at 5.01%$129.52
24,100 at 5.02%$129.67
24,100 at 5.03%$129.82
24,100 at 5.04%$129.96
24,100 at 5.05%$130.11
24,100 at 5.06%$130.26
24,100 at 5.07%$130.41
24,100 at 5.08%$130.55
24,100 at 5.09%$130.70
24,100 at 5.1%$130.85
24,100 at 5.11%$131.00
24,100 at 5.12%$131.15
24,100 at 5.13%$131.30
24,100 at 5.14%$131.44
24,100 at 5.15%$131.59
24,100 at 5.16%$131.74
24,100 at 5.17%$131.89
24,100 at 5.18%$132.04
24,100 at 5.19%$132.19
24,100 at 5.2%$132.34
24,100 at 5.21%$132.48
24,100 at 5.22%$132.63
24,100 at 5.23%$132.78
24,100 at 5.24%$132.93
24,100 at 5.25%$133.08
24,100 at 5.26%$133.23
24,100 at 5.27%$133.38
24,100 at 5.28%$133.53
24,100 at 5.29%$133.68
24,100 at 5.3%$133.83
24,100 at 5.31%$133.98
24,100 at 5.32%$134.13
24,100 at 5.33%$134.28
24,100 at 5.34%$134.43
24,100 at 5.35%$134.58
24,100 at 5.36%$134.73
24,100 at 5.37%$134.88
24,100 at 5.38%$135.03
24,100 at 5.39%$135.18
24,100 at 5.4%$135.33
24,100 at 5.41%$135.48
24,100 at 5.42%$135.63
24,100 at 5.43%$135.78
24,100 at 5.44%$135.93
24,100 at 5.45%$136.08
24,100 at 5.46%$136.23
24,100 at 5.47%$136.38
24,100 at 5.48%$136.53
24,100 at 5.49%$136.69
24,100 at 5.5%$136.84
24,100 at 5.51%$136.99
24,100 at 5.52%$137.14
24,100 at 5.53%$137.29
24,100 at 5.54%$137.44
24,100 at 5.55%$137.59
24,100 at 5.56%$137.75
24,100 at 5.57%$137.90
24,100 at 5.58%$138.05
24,100 at 5.59%$138.20
24,100 at 5.6%$138.35
24,100 at 5.61%$138.51
24,100 at 5.62%$138.66
24,100 at 5.63%$138.81
24,100 at 5.64%$138.96
24,100 at 5.65%$139.11
24,100 at 5.66%$139.27
24,100 at 5.67%$139.42
24,100 at 5.68%$139.57
24,100 at 5.69%$139.72
24,100 at 5.7%$139.88
24,100 at 5.71%$140.03
24,100 at 5.72%$140.18
24,100 at 5.73%$140.34
24,100 at 5.74%$140.49
24,100 at 5.75%$140.64
24,100 at 5.76%$140.79
24,100 at 5.77%$140.95
24,100 at 5.78%$141.10
24,100 at 5.79%$141.25
24,100 at 5.8%$141.41
24,100 at 5.81%$141.56
24,100 at 5.82%$141.71
24,100 at 5.83%$141.87
24,100 at 5.84%$142.02
24,100 at 5.85%$142.18
24,100 at 5.86%$142.33
24,100 at 5.87%$142.48
24,100 at 5.88%$142.64
24,100 at 5.89%$142.79
24,100 at 5.9%$142.95
24,100 at 5.91%$143.10
24,100 at 5.92%$143.25
24,100 at 5.93%$143.41
24,100 at 5.94%$143.56
24,100 at 5.95%$143.72
24,100 at 5.96%$143.87
24,100 at 5.97%$144.03
24,100 at 5.98%$144.18
24,100 at 5.99%$144.34
24,100 at 6%$144.49
24,100 at 6.01%$144.65
24,100 at 6.02%$144.80
24,100 at 6.03%$144.96
24,100 at 6.04%$145.11
24,100 at 6.05%$145.27
24,100 at 6.06%$145.42
24,100 at 6.07%$145.58
24,100 at 6.08%$145.73
24,100 at 6.09%$145.89
24,100 at 6.1%$146.04
24,100 at 6.11%$146.20
24,100 at 6.12%$146.36
24,100 at 6.13%$146.51
24,100 at 6.14%$146.67
24,100 at 6.15%$146.82
24,100 at 6.16%$146.98
24,100 at 6.17%$147.14
24,100 at 6.18%$147.29
24,100 at 6.19%$147.45
24,100 at 6.2%$147.61
24,100 at 6.21%$147.76
24,100 at 6.22%$147.92
24,100 at 6.23%$148.07
24,100 at 6.24%$148.23
24,100 at 6.25%$148.39
24,100 at 6.26%$148.54
24,100 at 6.27%$148.70
24,100 at 6.28%$148.86
24,100 at 6.29%$149.02
24,100 at 6.3%$149.17
24,100 at 6.31%$149.33
24,100 at 6.32%$149.49
24,100 at 6.33%$149.64
24,100 at 6.34%$149.80
24,100 at 6.35%$149.96
24,100 at 6.36%$150.12
24,100 at 6.37%$150.27
24,100 at 6.38%$150.43
24,100 at 6.39%$150.59
24,100 at 6.4%$150.75
24,100 at 6.41%$150.90
24,100 at 6.42%$151.06
24,100 at 6.43%$151.22
24,100 at 6.44%$151.38
24,100 at 6.45%$151.54
24,100 at 6.46%$151.69
24,100 at 6.47%$151.85
24,100 at 6.48%$152.01
24,100 at 6.49%$152.17
24,100 at 6.5%$152.33
Interest Rate 30 Year
24,100 at 6.51%$152.49
24,100 at 6.52%$152.65
24,100 at 6.53%$152.80
24,100 at 6.54%$152.96
24,100 at 6.55%$153.12
24,100 at 6.56%$153.28
24,100 at 6.57%$153.44
24,100 at 6.58%$153.60
24,100 at 6.59%$153.76
24,100 at 6.6%$153.92
24,100 at 6.61%$154.08
24,100 at 6.62%$154.24
24,100 at 6.63%$154.39
24,100 at 6.64%$154.55
24,100 at 6.65%$154.71
24,100 at 6.66%$154.87
24,100 at 6.67%$155.03
24,100 at 6.68%$155.19
24,100 at 6.69%$155.35
24,100 at 6.7%$155.51
24,100 at 6.71%$155.67
24,100 at 6.72%$155.83
24,100 at 6.73%$155.99
24,100 at 6.74%$156.15
24,100 at 6.75%$156.31
24,100 at 6.76%$156.47
24,100 at 6.77%$156.63
24,100 at 6.78%$156.79
24,100 at 6.79%$156.95
24,100 at 6.8%$157.11
24,100 at 6.81%$157.27
24,100 at 6.82%$157.44
24,100 at 6.83%$157.60
24,100 at 6.84%$157.76
24,100 at 6.85%$157.92
24,100 at 6.86%$158.08
24,100 at 6.87%$158.24
24,100 at 6.88%$158.40
24,100 at 6.89%$158.56
24,100 at 6.9%$158.72
24,100 at 6.91%$158.88
24,100 at 6.92%$159.05
24,100 at 6.93%$159.21
24,100 at 6.94%$159.37
24,100 at 6.95%$159.53
24,100 at 6.96%$159.69
24,100 at 6.97%$159.85
24,100 at 6.98%$160.01
24,100 at 6.99%$160.18
24,100 at 7%$160.34
24,100 at 7.01%$160.50
24,100 at 7.02%$160.66
24,100 at 7.03%$160.82
24,100 at 7.04%$160.99
24,100 at 7.05%$161.15
24,100 at 7.06%$161.31
24,100 at 7.07%$161.47
24,100 at 7.08%$161.63
24,100 at 7.09%$161.80
24,100 at 7.1%$161.96
24,100 at 7.11%$162.12
24,100 at 7.12%$162.28
24,100 at 7.13%$162.45
24,100 at 7.14%$162.61
24,100 at 7.15%$162.77
24,100 at 7.16%$162.94
24,100 at 7.17%$163.10
24,100 at 7.18%$163.26
24,100 at 7.19%$163.42
24,100 at 7.2%$163.59
24,100 at 7.21%$163.75
24,100 at 7.22%$163.91
24,100 at 7.23%$164.08
24,100 at 7.24%$164.24
24,100 at 7.25%$164.40
24,100 at 7.26%$164.57
24,100 at 7.27%$164.73
24,100 at 7.28%$164.90
24,100 at 7.29%$165.06
24,100 at 7.3%$165.22
24,100 at 7.31%$165.39
24,100 at 7.32%$165.55
24,100 at 7.33%$165.71
24,100 at 7.34%$165.88
24,100 at 7.35%$166.04
24,100 at 7.36%$166.21
24,100 at 7.37%$166.37
24,100 at 7.38%$166.53
24,100 at 7.39%$166.70
24,100 at 7.4%$166.86
24,100 at 7.41%$167.03
24,100 at 7.42%$167.19
24,100 at 7.43%$167.36
24,100 at 7.44%$167.52
24,100 at 7.45%$167.69
24,100 at 7.46%$167.85
24,100 at 7.47%$168.02
24,100 at 7.48%$168.18
24,100 at 7.49%$168.35
24,100 at 7.5%$168.51
24,100 at 7.51%$168.68
24,100 at 7.52%$168.84
24,100 at 7.53%$169.01
24,100 at 7.54%$169.17
24,100 at 7.55%$169.34
24,100 at 7.56%$169.50
24,100 at 7.57%$169.67
24,100 at 7.58%$169.83
24,100 at 7.59%$170.00
24,100 at 7.6%$170.16
24,100 at 7.61%$170.33
24,100 at 7.62%$170.50
24,100 at 7.63%$170.66
24,100 at 7.64%$170.83
24,100 at 7.65%$170.99
24,100 at 7.66%$171.16
24,100 at 7.67%$171.32
24,100 at 7.68%$171.49
24,100 at 7.69%$171.66
24,100 at 7.7%$171.82
24,100 at 7.71%$171.99
24,100 at 7.72%$172.16
24,100 at 7.73%$172.32
24,100 at 7.74%$172.49
24,100 at 7.75%$172.66
24,100 at 7.76%$172.82
24,100 at 7.77%$172.99
24,100 at 7.78%$173.16
24,100 at 7.79%$173.32
24,100 at 7.8%$173.49
24,100 at 7.81%$173.66
24,100 at 7.82%$173.82
24,100 at 7.83%$173.99
24,100 at 7.84%$174.16
24,100 at 7.85%$174.32
24,100 at 7.86%$174.49
24,100 at 7.87%$174.66
24,100 at 7.88%$174.83
24,100 at 7.89%$174.99
24,100 at 7.9%$175.16
24,100 at 7.91%$175.33
24,100 at 7.92%$175.50
24,100 at 7.93%$175.66
24,100 at 7.94%$175.83
24,100 at 7.95%$176.00
24,100 at 7.96%$176.17
24,100 at 7.97%$176.33
24,100 at 7.98%$176.50
24,100 at 7.99%$176.67
24,100 at 8%$176.84
More Amounts
What is the down payment for a $24,100 house? How much do you need to put down?
Percent Down Down Payment
1%241
2%482
3%723
4%964
5%1,205
6%1,446
7%1,687
8%1,928
9%2,169
10%2,410
11%2,651
12%2,892
13%3,133
14%3,374
15%3,615
16%3,856
17%4,097
18%4,338
19%4,579
20%4,820
Percent Down Down Payment
21%5,061
22%5,302
23%5,543
24%5,784
25%6,025
26%6,266
27%6,507
28%6,748
29%6,989
30%7,230
31%7,471
32%7,712
33%7,953
34%8,194
35%8,435
36%8,676
37%8,917
38%9,158
39%9,399
40%9,640
Percent Down Down Payment
41%9,881
42%10,122
43%10,363
44%10,604
45%10,845
46%11,086
47%11,327
48%11,568
49%11,809
50%12,050
51%12,291
52%12,532
53%12,773
54%13,014
55%13,255
56%13,496
57%13,737
58%13,978
59%14,219
60%14,460
Percent Down Down Payment
61%14,701
62%14,942
63%15,183
64%15,424
65%15,665
66%15,906
67%16,147
68%16,388
69%16,629
70%16,870
71%17,111
72%17,352
73%17,593
74%17,834
75%18,075
76%18,316
77%18,557
78%18,798
79%19,039
80%19,280
Percent Down Down Payment
81%19,521
82%19,762
83%20,003
84%20,244
85%20,485
86%20,726
87%20,967
88%21,208
89%21,449
90%21,690
91%21,931
92%22,172
93%22,413
94%22,654
95%22,895
96%23,136
97%23,377
98%23,618
99%23,859
100%24,100
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.