$24,300 Mortgage for 30 Years

What is the monthly payment of a 24,300 dollar loan?
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Loan Tables for a $24,300 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 $24,300 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
24,300 at 2.01%$89.94
24,300 at 2.02%$90.06
24,300 at 2.03%$90.18
24,300 at 2.04%$90.30
24,300 at 2.05%$90.43
24,300 at 2.06%$90.55
24,300 at 2.07%$90.67
24,300 at 2.08%$90.79
24,300 at 2.09%$90.92
24,300 at 2.1%$91.04
24,300 at 2.11%$91.16
24,300 at 2.12%$91.28
24,300 at 2.13%$91.41
24,300 at 2.14%$91.53
24,300 at 2.15%$91.65
24,300 at 2.16%$91.77
24,300 at 2.17%$91.90
24,300 at 2.18%$92.02
24,300 at 2.19%$92.14
24,300 at 2.2%$92.27
24,300 at 2.21%$92.39
24,300 at 2.22%$92.51
24,300 at 2.23%$92.64
24,300 at 2.24%$92.76
24,300 at 2.25%$92.89
24,300 at 2.26%$93.01
24,300 at 2.27%$93.13
24,300 at 2.28%$93.26
24,300 at 2.29%$93.38
24,300 at 2.3%$93.51
24,300 at 2.31%$93.63
24,300 at 2.32%$93.76
24,300 at 2.33%$93.88
24,300 at 2.34%$94.01
24,300 at 2.35%$94.13
24,300 at 2.36%$94.25
24,300 at 2.37%$94.38
24,300 at 2.38%$94.51
24,300 at 2.39%$94.63
24,300 at 2.4%$94.76
24,300 at 2.41%$94.88
24,300 at 2.42%$95.01
24,300 at 2.43%$95.13
24,300 at 2.44%$95.26
24,300 at 2.45%$95.38
24,300 at 2.46%$95.51
24,300 at 2.47%$95.64
24,300 at 2.48%$95.76
24,300 at 2.49%$95.89
24,300 at 2.5%$96.01
24,300 at 2.51%$96.14
24,300 at 2.52%$96.27
24,300 at 2.53%$96.39
24,300 at 2.54%$96.52
24,300 at 2.55%$96.65
24,300 at 2.56%$96.77
24,300 at 2.57%$96.90
24,300 at 2.58%$97.03
24,300 at 2.59%$97.16
24,300 at 2.6%$97.28
24,300 at 2.61%$97.41
24,300 at 2.62%$97.54
24,300 at 2.63%$97.66
24,300 at 2.64%$97.79
24,300 at 2.65%$97.92
24,300 at 2.66%$98.05
24,300 at 2.67%$98.18
24,300 at 2.68%$98.30
24,300 at 2.69%$98.43
24,300 at 2.7%$98.56
24,300 at 2.71%$98.69
24,300 at 2.72%$98.82
24,300 at 2.73%$98.95
24,300 at 2.74%$99.07
24,300 at 2.75%$99.20
24,300 at 2.76%$99.33
24,300 at 2.77%$99.46
24,300 at 2.78%$99.59
24,300 at 2.79%$99.72
24,300 at 2.8%$99.85
24,300 at 2.81%$99.98
24,300 at 2.82%$100.11
24,300 at 2.83%$100.24
24,300 at 2.84%$100.36
24,300 at 2.85%$100.49
24,300 at 2.86%$100.62
24,300 at 2.87%$100.75
24,300 at 2.88%$100.88
24,300 at 2.89%$101.01
24,300 at 2.9%$101.14
24,300 at 2.91%$101.27
24,300 at 2.92%$101.40
24,300 at 2.93%$101.53
24,300 at 2.94%$101.67
24,300 at 2.95%$101.80
24,300 at 2.96%$101.93
24,300 at 2.97%$102.06
24,300 at 2.98%$102.19
24,300 at 2.99%$102.32
24,300 at 3%$102.45
24,300 at 3.01%$102.58
24,300 at 3.02%$102.71
24,300 at 3.03%$102.84
24,300 at 3.04%$102.97
24,300 at 3.05%$103.11
24,300 at 3.06%$103.24
24,300 at 3.07%$103.37
24,300 at 3.08%$103.50
24,300 at 3.09%$103.63
24,300 at 3.1%$103.76
24,300 at 3.11%$103.90
24,300 at 3.12%$104.03
24,300 at 3.13%$104.16
24,300 at 3.14%$104.29
24,300 at 3.15%$104.43
24,300 at 3.16%$104.56
24,300 at 3.17%$104.69
24,300 at 3.18%$104.82
24,300 at 3.19%$104.96
24,300 at 3.2%$105.09
24,300 at 3.21%$105.22
24,300 at 3.22%$105.36
24,300 at 3.23%$105.49
24,300 at 3.24%$105.62
24,300 at 3.25%$105.76
24,300 at 3.26%$105.89
24,300 at 3.27%$106.02
24,300 at 3.28%$106.16
24,300 at 3.29%$106.29
24,300 at 3.3%$106.42
24,300 at 3.31%$106.56
24,300 at 3.32%$106.69
24,300 at 3.33%$106.83
24,300 at 3.34%$106.96
24,300 at 3.35%$107.09
24,300 at 3.36%$107.23
24,300 at 3.37%$107.36
24,300 at 3.38%$107.50
24,300 at 3.39%$107.63
24,300 at 3.4%$107.77
24,300 at 3.41%$107.90
24,300 at 3.42%$108.04
24,300 at 3.43%$108.17
24,300 at 3.44%$108.31
24,300 at 3.45%$108.44
24,300 at 3.46%$108.58
24,300 at 3.47%$108.71
24,300 at 3.48%$108.85
24,300 at 3.49%$108.98
24,300 at 3.5%$109.12
Interest Rate 30 Year
24,300 at 3.51%$109.25
24,300 at 3.52%$109.39
24,300 at 3.53%$109.53
24,300 at 3.54%$109.66
24,300 at 3.55%$109.80
24,300 at 3.56%$109.93
24,300 at 3.57%$110.07
24,300 at 3.58%$110.21
24,300 at 3.59%$110.34
24,300 at 3.6%$110.48
24,300 at 3.61%$110.62
24,300 at 3.62%$110.75
24,300 at 3.63%$110.89
24,300 at 3.64%$111.03
24,300 at 3.65%$111.16
24,300 at 3.66%$111.30
24,300 at 3.67%$111.44
24,300 at 3.68%$111.57
24,300 at 3.69%$111.71
24,300 at 3.7%$111.85
24,300 at 3.71%$111.99
24,300 at 3.72%$112.12
24,300 at 3.73%$112.26
24,300 at 3.74%$112.40
24,300 at 3.75%$112.54
24,300 at 3.76%$112.68
24,300 at 3.77%$112.81
24,300 at 3.78%$112.95
24,300 at 3.79%$113.09
24,300 at 3.8%$113.23
24,300 at 3.81%$113.37
24,300 at 3.82%$113.50
24,300 at 3.83%$113.64
24,300 at 3.84%$113.78
24,300 at 3.85%$113.92
24,300 at 3.86%$114.06
24,300 at 3.87%$114.20
24,300 at 3.88%$114.34
24,300 at 3.89%$114.48
24,300 at 3.9%$114.62
24,300 at 3.91%$114.75
24,300 at 3.92%$114.89
24,300 at 3.93%$115.03
24,300 at 3.94%$115.17
24,300 at 3.95%$115.31
24,300 at 3.96%$115.45
24,300 at 3.97%$115.59
24,300 at 3.98%$115.73
24,300 at 3.99%$115.87
24,300 at 4%$116.01
24,300 at 4.01%$116.15
24,300 at 4.02%$116.29
24,300 at 4.03%$116.43
24,300 at 4.04%$116.57
24,300 at 4.05%$116.71
24,300 at 4.06%$116.85
24,300 at 4.07%$116.99
24,300 at 4.08%$117.14
24,300 at 4.09%$117.28
24,300 at 4.1%$117.42
24,300 at 4.11%$117.56
24,300 at 4.12%$117.70
24,300 at 4.13%$117.84
24,300 at 4.14%$117.98
24,300 at 4.15%$118.12
24,300 at 4.16%$118.26
24,300 at 4.17%$118.41
24,300 at 4.18%$118.55
24,300 at 4.19%$118.69
24,300 at 4.2%$118.83
24,300 at 4.21%$118.97
24,300 at 4.22%$119.12
24,300 at 4.23%$119.26
24,300 at 4.24%$119.40
24,300 at 4.25%$119.54
24,300 at 4.26%$119.68
24,300 at 4.27%$119.83
24,300 at 4.28%$119.97
24,300 at 4.29%$120.11
24,300 at 4.3%$120.25
24,300 at 4.31%$120.40
24,300 at 4.32%$120.54
24,300 at 4.33%$120.68
24,300 at 4.34%$120.83
24,300 at 4.35%$120.97
24,300 at 4.36%$121.11
24,300 at 4.37%$121.25
24,300 at 4.38%$121.40
24,300 at 4.39%$121.54
24,300 at 4.4%$121.68
24,300 at 4.41%$121.83
24,300 at 4.42%$121.97
24,300 at 4.43%$122.12
24,300 at 4.44%$122.26
24,300 at 4.45%$122.40
24,300 at 4.46%$122.55
24,300 at 4.47%$122.69
24,300 at 4.48%$122.84
24,300 at 4.49%$122.98
24,300 at 4.5%$123.12
24,300 at 4.51%$123.27
24,300 at 4.52%$123.41
24,300 at 4.53%$123.56
24,300 at 4.54%$123.70
24,300 at 4.55%$123.85
24,300 at 4.56%$123.99
24,300 at 4.57%$124.14
24,300 at 4.58%$124.28
24,300 at 4.59%$124.43
24,300 at 4.6%$124.57
24,300 at 4.61%$124.72
24,300 at 4.62%$124.86
24,300 at 4.63%$125.01
24,300 at 4.64%$125.15
24,300 at 4.65%$125.30
24,300 at 4.66%$125.45
24,300 at 4.67%$125.59
24,300 at 4.68%$125.74
24,300 at 4.69%$125.88
24,300 at 4.7%$126.03
24,300 at 4.71%$126.18
24,300 at 4.72%$126.32
24,300 at 4.73%$126.47
24,300 at 4.74%$126.61
24,300 at 4.75%$126.76
24,300 at 4.76%$126.91
24,300 at 4.77%$127.05
24,300 at 4.78%$127.20
24,300 at 4.79%$127.35
24,300 at 4.8%$127.49
24,300 at 4.81%$127.64
24,300 at 4.82%$127.79
24,300 at 4.83%$127.93
24,300 at 4.84%$128.08
24,300 at 4.85%$128.23
24,300 at 4.86%$128.38
24,300 at 4.87%$128.52
24,300 at 4.88%$128.67
24,300 at 4.89%$128.82
24,300 at 4.9%$128.97
24,300 at 4.91%$129.11
24,300 at 4.92%$129.26
24,300 at 4.93%$129.41
24,300 at 4.94%$129.56
24,300 at 4.95%$129.71
24,300 at 4.96%$129.85
24,300 at 4.97%$130.00
24,300 at 4.98%$130.15
24,300 at 4.99%$130.30
24,300 at 5%$130.45
Interest Rate 30 Year
24,300 at 5.01%$130.60
24,300 at 5.02%$130.74
24,300 at 5.03%$130.89
24,300 at 5.04%$131.04
24,300 at 5.05%$131.19
24,300 at 5.06%$131.34
24,300 at 5.07%$131.49
24,300 at 5.08%$131.64
24,300 at 5.09%$131.79
24,300 at 5.1%$131.94
24,300 at 5.11%$132.09
24,300 at 5.12%$132.24
24,300 at 5.13%$132.39
24,300 at 5.14%$132.53
24,300 at 5.15%$132.68
24,300 at 5.16%$132.83
24,300 at 5.17%$132.98
24,300 at 5.18%$133.13
24,300 at 5.19%$133.28
24,300 at 5.2%$133.43
24,300 at 5.21%$133.58
24,300 at 5.22%$133.73
24,300 at 5.23%$133.88
24,300 at 5.24%$134.04
24,300 at 5.25%$134.19
24,300 at 5.26%$134.34
24,300 at 5.27%$134.49
24,300 at 5.28%$134.64
24,300 at 5.29%$134.79
24,300 at 5.3%$134.94
24,300 at 5.31%$135.09
24,300 at 5.32%$135.24
24,300 at 5.33%$135.39
24,300 at 5.34%$135.54
24,300 at 5.35%$135.69
24,300 at 5.36%$135.85
24,300 at 5.37%$136.00
24,300 at 5.38%$136.15
24,300 at 5.39%$136.30
24,300 at 5.4%$136.45
24,300 at 5.41%$136.60
24,300 at 5.42%$136.76
24,300 at 5.43%$136.91
24,300 at 5.44%$137.06
24,300 at 5.45%$137.21
24,300 at 5.46%$137.36
24,300 at 5.47%$137.52
24,300 at 5.48%$137.67
24,300 at 5.49%$137.82
24,300 at 5.5%$137.97
24,300 at 5.51%$138.13
24,300 at 5.52%$138.28
24,300 at 5.53%$138.43
24,300 at 5.54%$138.58
24,300 at 5.55%$138.74
24,300 at 5.56%$138.89
24,300 at 5.57%$139.04
24,300 at 5.58%$139.19
24,300 at 5.59%$139.35
24,300 at 5.6%$139.50
24,300 at 5.61%$139.65
24,300 at 5.62%$139.81
24,300 at 5.63%$139.96
24,300 at 5.64%$140.11
24,300 at 5.65%$140.27
24,300 at 5.66%$140.42
24,300 at 5.67%$140.58
24,300 at 5.68%$140.73
24,300 at 5.69%$140.88
24,300 at 5.7%$141.04
24,300 at 5.71%$141.19
24,300 at 5.72%$141.35
24,300 at 5.73%$141.50
24,300 at 5.74%$141.65
24,300 at 5.75%$141.81
24,300 at 5.76%$141.96
24,300 at 5.77%$142.12
24,300 at 5.78%$142.27
24,300 at 5.79%$142.43
24,300 at 5.8%$142.58
24,300 at 5.81%$142.74
24,300 at 5.82%$142.89
24,300 at 5.83%$143.05
24,300 at 5.84%$143.20
24,300 at 5.85%$143.36
24,300 at 5.86%$143.51
24,300 at 5.87%$143.67
24,300 at 5.88%$143.82
24,300 at 5.89%$143.98
24,300 at 5.9%$144.13
24,300 at 5.91%$144.29
24,300 at 5.92%$144.44
24,300 at 5.93%$144.60
24,300 at 5.94%$144.75
24,300 at 5.95%$144.91
24,300 at 5.96%$145.07
24,300 at 5.97%$145.22
24,300 at 5.98%$145.38
24,300 at 5.99%$145.53
24,300 at 6%$145.69
24,300 at 6.01%$145.85
24,300 at 6.02%$146.00
24,300 at 6.03%$146.16
24,300 at 6.04%$146.32
24,300 at 6.05%$146.47
24,300 at 6.06%$146.63
24,300 at 6.07%$146.79
24,300 at 6.08%$146.94
24,300 at 6.09%$147.10
24,300 at 6.1%$147.26
24,300 at 6.11%$147.41
24,300 at 6.12%$147.57
24,300 at 6.13%$147.73
24,300 at 6.14%$147.89
24,300 at 6.15%$148.04
24,300 at 6.16%$148.20
24,300 at 6.17%$148.36
24,300 at 6.18%$148.51
24,300 at 6.19%$148.67
24,300 at 6.2%$148.83
24,300 at 6.21%$148.99
24,300 at 6.22%$149.15
24,300 at 6.23%$149.30
24,300 at 6.24%$149.46
24,300 at 6.25%$149.62
24,300 at 6.26%$149.78
24,300 at 6.27%$149.94
24,300 at 6.28%$150.09
24,300 at 6.29%$150.25
24,300 at 6.3%$150.41
24,300 at 6.31%$150.57
24,300 at 6.32%$150.73
24,300 at 6.33%$150.89
24,300 at 6.34%$151.04
24,300 at 6.35%$151.20
24,300 at 6.36%$151.36
24,300 at 6.37%$151.52
24,300 at 6.38%$151.68
24,300 at 6.39%$151.84
24,300 at 6.4%$152.00
24,300 at 6.41%$152.16
24,300 at 6.42%$152.32
24,300 at 6.43%$152.48
24,300 at 6.44%$152.63
24,300 at 6.45%$152.79
24,300 at 6.46%$152.95
24,300 at 6.47%$153.11
24,300 at 6.48%$153.27
24,300 at 6.49%$153.43
24,300 at 6.5%$153.59
Interest Rate 30 Year
24,300 at 6.51%$153.75
24,300 at 6.52%$153.91
24,300 at 6.53%$154.07
24,300 at 6.54%$154.23
24,300 at 6.55%$154.39
24,300 at 6.56%$154.55
24,300 at 6.57%$154.71
24,300 at 6.58%$154.87
24,300 at 6.59%$155.03
24,300 at 6.6%$155.19
24,300 at 6.61%$155.35
24,300 at 6.62%$155.52
24,300 at 6.63%$155.68
24,300 at 6.64%$155.84
24,300 at 6.65%$156.00
24,300 at 6.66%$156.16
24,300 at 6.67%$156.32
24,300 at 6.68%$156.48
24,300 at 6.69%$156.64
24,300 at 6.7%$156.80
24,300 at 6.71%$156.96
24,300 at 6.72%$157.13
24,300 at 6.73%$157.29
24,300 at 6.74%$157.45
24,300 at 6.75%$157.61
24,300 at 6.76%$157.77
24,300 at 6.77%$157.93
24,300 at 6.78%$158.09
24,300 at 6.79%$158.26
24,300 at 6.8%$158.42
24,300 at 6.81%$158.58
24,300 at 6.82%$158.74
24,300 at 6.83%$158.90
24,300 at 6.84%$159.07
24,300 at 6.85%$159.23
24,300 at 6.86%$159.39
24,300 at 6.87%$159.55
24,300 at 6.88%$159.71
24,300 at 6.89%$159.88
24,300 at 6.9%$160.04
24,300 at 6.91%$160.20
24,300 at 6.92%$160.37
24,300 at 6.93%$160.53
24,300 at 6.94%$160.69
24,300 at 6.95%$160.85
24,300 at 6.96%$161.02
24,300 at 6.97%$161.18
24,300 at 6.98%$161.34
24,300 at 6.99%$161.51
24,300 at 7%$161.67
24,300 at 7.01%$161.83
24,300 at 7.02%$162.00
24,300 at 7.03%$162.16
24,300 at 7.04%$162.32
24,300 at 7.05%$162.49
24,300 at 7.06%$162.65
24,300 at 7.07%$162.81
24,300 at 7.08%$162.98
24,300 at 7.09%$163.14
24,300 at 7.1%$163.30
24,300 at 7.11%$163.47
24,300 at 7.12%$163.63
24,300 at 7.13%$163.80
24,300 at 7.14%$163.96
24,300 at 7.15%$164.12
24,300 at 7.16%$164.29
24,300 at 7.17%$164.45
24,300 at 7.18%$164.62
24,300 at 7.19%$164.78
24,300 at 7.2%$164.95
24,300 at 7.21%$165.11
24,300 at 7.22%$165.27
24,300 at 7.23%$165.44
24,300 at 7.24%$165.60
24,300 at 7.25%$165.77
24,300 at 7.26%$165.93
24,300 at 7.27%$166.10
24,300 at 7.28%$166.26
24,300 at 7.29%$166.43
24,300 at 7.3%$166.59
24,300 at 7.31%$166.76
24,300 at 7.32%$166.92
24,300 at 7.33%$167.09
24,300 at 7.34%$167.25
24,300 at 7.35%$167.42
24,300 at 7.36%$167.59
24,300 at 7.37%$167.75
24,300 at 7.38%$167.92
24,300 at 7.39%$168.08
24,300 at 7.4%$168.25
24,300 at 7.41%$168.41
24,300 at 7.42%$168.58
24,300 at 7.43%$168.75
24,300 at 7.44%$168.91
24,300 at 7.45%$169.08
24,300 at 7.46%$169.24
24,300 at 7.47%$169.41
24,300 at 7.48%$169.58
24,300 at 7.49%$169.74
24,300 at 7.5%$169.91
24,300 at 7.51%$170.08
24,300 at 7.52%$170.24
24,300 at 7.53%$170.41
24,300 at 7.54%$170.58
24,300 at 7.55%$170.74
24,300 at 7.56%$170.91
24,300 at 7.57%$171.08
24,300 at 7.58%$171.24
24,300 at 7.59%$171.41
24,300 at 7.6%$171.58
24,300 at 7.61%$171.74
24,300 at 7.62%$171.91
24,300 at 7.63%$172.08
24,300 at 7.64%$172.24
24,300 at 7.65%$172.41
24,300 at 7.66%$172.58
24,300 at 7.67%$172.75
24,300 at 7.68%$172.91
24,300 at 7.69%$173.08
24,300 at 7.7%$173.25
24,300 at 7.71%$173.42
24,300 at 7.72%$173.58
24,300 at 7.73%$173.75
24,300 at 7.74%$173.92
24,300 at 7.75%$174.09
24,300 at 7.76%$174.26
24,300 at 7.77%$174.42
24,300 at 7.78%$174.59
24,300 at 7.79%$174.76
24,300 at 7.8%$174.93
24,300 at 7.81%$175.10
24,300 at 7.82%$175.27
24,300 at 7.83%$175.43
24,300 at 7.84%$175.60
24,300 at 7.85%$175.77
24,300 at 7.86%$175.94
24,300 at 7.87%$176.11
24,300 at 7.88%$176.28
24,300 at 7.89%$176.44
24,300 at 7.9%$176.61
24,300 at 7.91%$176.78
24,300 at 7.92%$176.95
24,300 at 7.93%$177.12
24,300 at 7.94%$177.29
24,300 at 7.95%$177.46
24,300 at 7.96%$177.63
24,300 at 7.97%$177.80
24,300 at 7.98%$177.97
24,300 at 7.99%$178.14
24,300 at 8%$178.30
More Amounts
What is the down payment for a $24,300 house? How much do you need to put down?
Percent Down Down Payment
1%243
2%486
3%729
4%972
5%1,215
6%1,458
7%1,701
8%1,944
9%2,187
10%2,430
11%2,673
12%2,916
13%3,159
14%3,402
15%3,645
16%3,888
17%4,131
18%4,374
19%4,617
20%4,860
Percent Down Down Payment
21%5,103
22%5,346
23%5,589
24%5,832
25%6,075
26%6,318
27%6,561
28%6,804
29%7,047
30%7,290
31%7,533
32%7,776
33%8,019
34%8,262
35%8,505
36%8,748
37%8,991
38%9,234
39%9,477
40%9,720
Percent Down Down Payment
41%9,963
42%10,206
43%10,449
44%10,692
45%10,935
46%11,178
47%11,421
48%11,664
49%11,907
50%12,150
51%12,393
52%12,636
53%12,879
54%13,122
55%13,365
56%13,608
57%13,851
58%14,094
59%14,337
60%14,580
Percent Down Down Payment
61%14,823
62%15,066
63%15,309
64%15,552
65%15,795
66%16,038
67%16,281
68%16,524
69%16,767
70%17,010
71%17,253
72%17,496
73%17,739
74%17,982
75%18,225
76%18,468
77%18,711
78%18,954
79%19,197
80%19,440
Percent Down Down Payment
81%19,683
82%19,926
83%20,169
84%20,412
85%20,655
86%20,898
87%21,141
88%21,384
89%21,627
90%21,870
91%22,113
92%22,356
93%22,599
94%22,842
95%23,085
96%23,328
97%23,571
98%23,814
99%24,057
100%24,300
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.