$24,800 Mortgage for 30 Years

What is the monthly payment of a 24,800 dollar loan?
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Loan Tables for a $24,800 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 25k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $24,800 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
24,800 at 2.01%$91.79
24,800 at 2.02%$91.91
24,800 at 2.03%$92.04
24,800 at 2.04%$92.16
24,800 at 2.05%$92.29
24,800 at 2.06%$92.41
24,800 at 2.07%$92.54
24,800 at 2.08%$92.66
24,800 at 2.09%$92.79
24,800 at 2.1%$92.91
24,800 at 2.11%$93.04
24,800 at 2.12%$93.16
24,800 at 2.13%$93.29
24,800 at 2.14%$93.41
24,800 at 2.15%$93.54
24,800 at 2.16%$93.66
24,800 at 2.17%$93.79
24,800 at 2.18%$93.91
24,800 at 2.19%$94.04
24,800 at 2.2%$94.17
24,800 at 2.21%$94.29
24,800 at 2.22%$94.42
24,800 at 2.23%$94.54
24,800 at 2.24%$94.67
24,800 at 2.25%$94.80
24,800 at 2.26%$94.92
24,800 at 2.27%$95.05
24,800 at 2.28%$95.18
24,800 at 2.29%$95.30
24,800 at 2.3%$95.43
24,800 at 2.31%$95.56
24,800 at 2.32%$95.68
24,800 at 2.33%$95.81
24,800 at 2.34%$95.94
24,800 at 2.35%$96.07
24,800 at 2.36%$96.19
24,800 at 2.37%$96.32
24,800 at 2.38%$96.45
24,800 at 2.39%$96.58
24,800 at 2.4%$96.71
24,800 at 2.41%$96.83
24,800 at 2.42%$96.96
24,800 at 2.43%$97.09
24,800 at 2.44%$97.22
24,800 at 2.45%$97.35
24,800 at 2.46%$97.48
24,800 at 2.47%$97.60
24,800 at 2.48%$97.73
24,800 at 2.49%$97.86
24,800 at 2.5%$97.99
24,800 at 2.51%$98.12
24,800 at 2.52%$98.25
24,800 at 2.53%$98.38
24,800 at 2.54%$98.51
24,800 at 2.55%$98.64
24,800 at 2.56%$98.77
24,800 at 2.57%$98.89
24,800 at 2.58%$99.02
24,800 at 2.59%$99.15
24,800 at 2.6%$99.28
24,800 at 2.61%$99.41
24,800 at 2.62%$99.54
24,800 at 2.63%$99.67
24,800 at 2.64%$99.80
24,800 at 2.65%$99.94
24,800 at 2.66%$100.07
24,800 at 2.67%$100.20
24,800 at 2.68%$100.33
24,800 at 2.69%$100.46
24,800 at 2.7%$100.59
24,800 at 2.71%$100.72
24,800 at 2.72%$100.85
24,800 at 2.73%$100.98
24,800 at 2.74%$101.11
24,800 at 2.75%$101.24
24,800 at 2.76%$101.38
24,800 at 2.77%$101.51
24,800 at 2.78%$101.64
24,800 at 2.79%$101.77
24,800 at 2.8%$101.90
24,800 at 2.81%$102.03
24,800 at 2.82%$102.17
24,800 at 2.83%$102.30
24,800 at 2.84%$102.43
24,800 at 2.85%$102.56
24,800 at 2.86%$102.69
24,800 at 2.87%$102.83
24,800 at 2.88%$102.96
24,800 at 2.89%$103.09
24,800 at 2.9%$103.23
24,800 at 2.91%$103.36
24,800 at 2.92%$103.49
24,800 at 2.93%$103.62
24,800 at 2.94%$103.76
24,800 at 2.95%$103.89
24,800 at 2.96%$104.02
24,800 at 2.97%$104.16
24,800 at 2.98%$104.29
24,800 at 2.99%$104.42
24,800 at 3%$104.56
24,800 at 3.01%$104.69
24,800 at 3.02%$104.83
24,800 at 3.03%$104.96
24,800 at 3.04%$105.09
24,800 at 3.05%$105.23
24,800 at 3.06%$105.36
24,800 at 3.07%$105.50
24,800 at 3.08%$105.63
24,800 at 3.09%$105.77
24,800 at 3.1%$105.90
24,800 at 3.11%$106.03
24,800 at 3.12%$106.17
24,800 at 3.13%$106.30
24,800 at 3.14%$106.44
24,800 at 3.15%$106.57
24,800 at 3.16%$106.71
24,800 at 3.17%$106.85
24,800 at 3.18%$106.98
24,800 at 3.19%$107.12
24,800 at 3.2%$107.25
24,800 at 3.21%$107.39
24,800 at 3.22%$107.52
24,800 at 3.23%$107.66
24,800 at 3.24%$107.80
24,800 at 3.25%$107.93
24,800 at 3.26%$108.07
24,800 at 3.27%$108.20
24,800 at 3.28%$108.34
24,800 at 3.29%$108.48
24,800 at 3.3%$108.61
24,800 at 3.31%$108.75
24,800 at 3.32%$108.89
24,800 at 3.33%$109.02
24,800 at 3.34%$109.16
24,800 at 3.35%$109.30
24,800 at 3.36%$109.43
24,800 at 3.37%$109.57
24,800 at 3.38%$109.71
24,800 at 3.39%$109.85
24,800 at 3.4%$109.98
24,800 at 3.41%$110.12
24,800 at 3.42%$110.26
24,800 at 3.43%$110.40
24,800 at 3.44%$110.53
24,800 at 3.45%$110.67
24,800 at 3.46%$110.81
24,800 at 3.47%$110.95
24,800 at 3.48%$111.09
24,800 at 3.49%$111.22
24,800 at 3.5%$111.36
Interest Rate 30 Year
24,800 at 3.51%$111.50
24,800 at 3.52%$111.64
24,800 at 3.53%$111.78
24,800 at 3.54%$111.92
24,800 at 3.55%$112.06
24,800 at 3.56%$112.20
24,800 at 3.57%$112.33
24,800 at 3.58%$112.47
24,800 at 3.59%$112.61
24,800 at 3.6%$112.75
24,800 at 3.61%$112.89
24,800 at 3.62%$113.03
24,800 at 3.63%$113.17
24,800 at 3.64%$113.31
24,800 at 3.65%$113.45
24,800 at 3.66%$113.59
24,800 at 3.67%$113.73
24,800 at 3.68%$113.87
24,800 at 3.69%$114.01
24,800 at 3.7%$114.15
24,800 at 3.71%$114.29
24,800 at 3.72%$114.43
24,800 at 3.73%$114.57
24,800 at 3.74%$114.71
24,800 at 3.75%$114.85
24,800 at 3.76%$114.99
24,800 at 3.77%$115.13
24,800 at 3.78%$115.28
24,800 at 3.79%$115.42
24,800 at 3.8%$115.56
24,800 at 3.81%$115.70
24,800 at 3.82%$115.84
24,800 at 3.83%$115.98
24,800 at 3.84%$116.12
24,800 at 3.85%$116.26
24,800 at 3.86%$116.41
24,800 at 3.87%$116.55
24,800 at 3.88%$116.69
24,800 at 3.89%$116.83
24,800 at 3.9%$116.97
24,800 at 3.91%$117.12
24,800 at 3.92%$117.26
24,800 at 3.93%$117.40
24,800 at 3.94%$117.54
24,800 at 3.95%$117.69
24,800 at 3.96%$117.83
24,800 at 3.97%$117.97
24,800 at 3.98%$118.11
24,800 at 3.99%$118.26
24,800 at 4%$118.40
24,800 at 4.01%$118.54
24,800 at 4.02%$118.69
24,800 at 4.03%$118.83
24,800 at 4.04%$118.97
24,800 at 4.05%$119.11
24,800 at 4.06%$119.26
24,800 at 4.07%$119.40
24,800 at 4.08%$119.55
24,800 at 4.09%$119.69
24,800 at 4.1%$119.83
24,800 at 4.11%$119.98
24,800 at 4.12%$120.12
24,800 at 4.13%$120.27
24,800 at 4.14%$120.41
24,800 at 4.15%$120.55
24,800 at 4.16%$120.70
24,800 at 4.17%$120.84
24,800 at 4.18%$120.99
24,800 at 4.19%$121.13
24,800 at 4.2%$121.28
24,800 at 4.21%$121.42
24,800 at 4.22%$121.57
24,800 at 4.23%$121.71
24,800 at 4.24%$121.86
24,800 at 4.25%$122.00
24,800 at 4.26%$122.15
24,800 at 4.27%$122.29
24,800 at 4.28%$122.44
24,800 at 4.29%$122.58
24,800 at 4.3%$122.73
24,800 at 4.31%$122.87
24,800 at 4.32%$123.02
24,800 at 4.33%$123.17
24,800 at 4.34%$123.31
24,800 at 4.35%$123.46
24,800 at 4.36%$123.60
24,800 at 4.37%$123.75
24,800 at 4.38%$123.90
24,800 at 4.39%$124.04
24,800 at 4.4%$124.19
24,800 at 4.41%$124.34
24,800 at 4.42%$124.48
24,800 at 4.43%$124.63
24,800 at 4.44%$124.78
24,800 at 4.45%$124.92
24,800 at 4.46%$125.07
24,800 at 4.47%$125.22
24,800 at 4.48%$125.36
24,800 at 4.49%$125.51
24,800 at 4.5%$125.66
24,800 at 4.51%$125.81
24,800 at 4.52%$125.95
24,800 at 4.53%$126.10
24,800 at 4.54%$126.25
24,800 at 4.55%$126.40
24,800 at 4.56%$126.54
24,800 at 4.57%$126.69
24,800 at 4.58%$126.84
24,800 at 4.59%$126.99
24,800 at 4.6%$127.14
24,800 at 4.61%$127.28
24,800 at 4.62%$127.43
24,800 at 4.63%$127.58
24,800 at 4.64%$127.73
24,800 at 4.65%$127.88
24,800 at 4.66%$128.03
24,800 at 4.67%$128.18
24,800 at 4.68%$128.32
24,800 at 4.69%$128.47
24,800 at 4.7%$128.62
24,800 at 4.71%$128.77
24,800 at 4.72%$128.92
24,800 at 4.73%$129.07
24,800 at 4.74%$129.22
24,800 at 4.75%$129.37
24,800 at 4.76%$129.52
24,800 at 4.77%$129.67
24,800 at 4.78%$129.82
24,800 at 4.79%$129.97
24,800 at 4.8%$130.12
24,800 at 4.81%$130.27
24,800 at 4.82%$130.42
24,800 at 4.83%$130.57
24,800 at 4.84%$130.72
24,800 at 4.85%$130.87
24,800 at 4.86%$131.02
24,800 at 4.87%$131.17
24,800 at 4.88%$131.32
24,800 at 4.89%$131.47
24,800 at 4.9%$131.62
24,800 at 4.91%$131.77
24,800 at 4.92%$131.92
24,800 at 4.93%$132.07
24,800 at 4.94%$132.22
24,800 at 4.95%$132.37
24,800 at 4.96%$132.53
24,800 at 4.97%$132.68
24,800 at 4.98%$132.83
24,800 at 4.99%$132.98
24,800 at 5%$133.13
Interest Rate 30 Year
24,800 at 5.01%$133.28
24,800 at 5.02%$133.44
24,800 at 5.03%$133.59
24,800 at 5.04%$133.74
24,800 at 5.05%$133.89
24,800 at 5.06%$134.04
24,800 at 5.07%$134.19
24,800 at 5.08%$134.35
24,800 at 5.09%$134.50
24,800 at 5.1%$134.65
24,800 at 5.11%$134.80
24,800 at 5.12%$134.96
24,800 at 5.13%$135.11
24,800 at 5.14%$135.26
24,800 at 5.15%$135.41
24,800 at 5.16%$135.57
24,800 at 5.17%$135.72
24,800 at 5.18%$135.87
24,800 at 5.19%$136.03
24,800 at 5.2%$136.18
24,800 at 5.21%$136.33
24,800 at 5.22%$136.49
24,800 at 5.23%$136.64
24,800 at 5.24%$136.79
24,800 at 5.25%$136.95
24,800 at 5.26%$137.10
24,800 at 5.27%$137.25
24,800 at 5.28%$137.41
24,800 at 5.29%$137.56
24,800 at 5.3%$137.72
24,800 at 5.31%$137.87
24,800 at 5.32%$138.02
24,800 at 5.33%$138.18
24,800 at 5.34%$138.33
24,800 at 5.35%$138.49
24,800 at 5.36%$138.64
24,800 at 5.37%$138.80
24,800 at 5.38%$138.95
24,800 at 5.39%$139.10
24,800 at 5.4%$139.26
24,800 at 5.41%$139.41
24,800 at 5.42%$139.57
24,800 at 5.43%$139.72
24,800 at 5.44%$139.88
24,800 at 5.45%$140.03
24,800 at 5.46%$140.19
24,800 at 5.47%$140.35
24,800 at 5.48%$140.50
24,800 at 5.49%$140.66
24,800 at 5.5%$140.81
24,800 at 5.51%$140.97
24,800 at 5.52%$141.12
24,800 at 5.53%$141.28
24,800 at 5.54%$141.43
24,800 at 5.55%$141.59
24,800 at 5.56%$141.75
24,800 at 5.57%$141.90
24,800 at 5.58%$142.06
24,800 at 5.59%$142.22
24,800 at 5.6%$142.37
24,800 at 5.61%$142.53
24,800 at 5.62%$142.68
24,800 at 5.63%$142.84
24,800 at 5.64%$143.00
24,800 at 5.65%$143.15
24,800 at 5.66%$143.31
24,800 at 5.67%$143.47
24,800 at 5.68%$143.63
24,800 at 5.69%$143.78
24,800 at 5.7%$143.94
24,800 at 5.71%$144.10
24,800 at 5.72%$144.25
24,800 at 5.73%$144.41
24,800 at 5.74%$144.57
24,800 at 5.75%$144.73
24,800 at 5.76%$144.88
24,800 at 5.77%$145.04
24,800 at 5.78%$145.20
24,800 at 5.79%$145.36
24,800 at 5.8%$145.51
24,800 at 5.81%$145.67
24,800 at 5.82%$145.83
24,800 at 5.83%$145.99
24,800 at 5.84%$146.15
24,800 at 5.85%$146.31
24,800 at 5.86%$146.46
24,800 at 5.87%$146.62
24,800 at 5.88%$146.78
24,800 at 5.89%$146.94
24,800 at 5.9%$147.10
24,800 at 5.91%$147.26
24,800 at 5.92%$147.42
24,800 at 5.93%$147.57
24,800 at 5.94%$147.73
24,800 at 5.95%$147.89
24,800 at 5.96%$148.05
24,800 at 5.97%$148.21
24,800 at 5.98%$148.37
24,800 at 5.99%$148.53
24,800 at 6%$148.69
24,800 at 6.01%$148.85
24,800 at 6.02%$149.01
24,800 at 6.03%$149.17
24,800 at 6.04%$149.33
24,800 at 6.05%$149.49
24,800 at 6.06%$149.65
24,800 at 6.07%$149.81
24,800 at 6.08%$149.97
24,800 at 6.09%$150.13
24,800 at 6.1%$150.29
24,800 at 6.11%$150.45
24,800 at 6.12%$150.61
24,800 at 6.13%$150.77
24,800 at 6.14%$150.93
24,800 at 6.15%$151.09
24,800 at 6.16%$151.25
24,800 at 6.17%$151.41
24,800 at 6.18%$151.57
24,800 at 6.19%$151.73
24,800 at 6.2%$151.89
24,800 at 6.21%$152.05
24,800 at 6.22%$152.21
24,800 at 6.23%$152.38
24,800 at 6.24%$152.54
24,800 at 6.25%$152.70
24,800 at 6.26%$152.86
24,800 at 6.27%$153.02
24,800 at 6.28%$153.18
24,800 at 6.29%$153.34
24,800 at 6.3%$153.51
24,800 at 6.31%$153.67
24,800 at 6.32%$153.83
24,800 at 6.33%$153.99
24,800 at 6.34%$154.15
24,800 at 6.35%$154.31
24,800 at 6.36%$154.48
24,800 at 6.37%$154.64
24,800 at 6.38%$154.80
24,800 at 6.39%$154.96
24,800 at 6.4%$155.13
24,800 at 6.41%$155.29
24,800 at 6.42%$155.45
24,800 at 6.43%$155.61
24,800 at 6.44%$155.78
24,800 at 6.45%$155.94
24,800 at 6.46%$156.10
24,800 at 6.47%$156.26
24,800 at 6.48%$156.43
24,800 at 6.49%$156.59
24,800 at 6.5%$156.75
Interest Rate 30 Year
24,800 at 6.51%$156.92
24,800 at 6.52%$157.08
24,800 at 6.53%$157.24
24,800 at 6.54%$157.41
24,800 at 6.55%$157.57
24,800 at 6.56%$157.73
24,800 at 6.57%$157.90
24,800 at 6.58%$158.06
24,800 at 6.59%$158.22
24,800 at 6.6%$158.39
24,800 at 6.61%$158.55
24,800 at 6.62%$158.72
24,800 at 6.63%$158.88
24,800 at 6.64%$159.04
24,800 at 6.65%$159.21
24,800 at 6.66%$159.37
24,800 at 6.67%$159.54
24,800 at 6.68%$159.70
24,800 at 6.69%$159.86
24,800 at 6.7%$160.03
24,800 at 6.71%$160.19
24,800 at 6.72%$160.36
24,800 at 6.73%$160.52
24,800 at 6.74%$160.69
24,800 at 6.75%$160.85
24,800 at 6.76%$161.02
24,800 at 6.77%$161.18
24,800 at 6.78%$161.35
24,800 at 6.79%$161.51
24,800 at 6.8%$161.68
24,800 at 6.81%$161.84
24,800 at 6.82%$162.01
24,800 at 6.83%$162.17
24,800 at 6.84%$162.34
24,800 at 6.85%$162.50
24,800 at 6.86%$162.67
24,800 at 6.87%$162.84
24,800 at 6.88%$163.00
24,800 at 6.89%$163.17
24,800 at 6.9%$163.33
24,800 at 6.91%$163.50
24,800 at 6.92%$163.66
24,800 at 6.93%$163.83
24,800 at 6.94%$164.00
24,800 at 6.95%$164.16
24,800 at 6.96%$164.33
24,800 at 6.97%$164.50
24,800 at 6.98%$164.66
24,800 at 6.99%$164.83
24,800 at 7%$165.00
24,800 at 7.01%$165.16
24,800 at 7.02%$165.33
24,800 at 7.03%$165.49
24,800 at 7.04%$165.66
24,800 at 7.05%$165.83
24,800 at 7.06%$166.00
24,800 at 7.07%$166.16
24,800 at 7.08%$166.33
24,800 at 7.09%$166.50
24,800 at 7.1%$166.66
24,800 at 7.11%$166.83
24,800 at 7.12%$167.00
24,800 at 7.13%$167.17
24,800 at 7.14%$167.33
24,800 at 7.15%$167.50
24,800 at 7.16%$167.67
24,800 at 7.17%$167.84
24,800 at 7.18%$168.00
24,800 at 7.19%$168.17
24,800 at 7.2%$168.34
24,800 at 7.21%$168.51
24,800 at 7.22%$168.68
24,800 at 7.23%$168.84
24,800 at 7.24%$169.01
24,800 at 7.25%$169.18
24,800 at 7.26%$169.35
24,800 at 7.27%$169.52
24,800 at 7.28%$169.68
24,800 at 7.29%$169.85
24,800 at 7.3%$170.02
24,800 at 7.31%$170.19
24,800 at 7.32%$170.36
24,800 at 7.33%$170.53
24,800 at 7.34%$170.70
24,800 at 7.35%$170.87
24,800 at 7.36%$171.03
24,800 at 7.37%$171.20
24,800 at 7.38%$171.37
24,800 at 7.39%$171.54
24,800 at 7.4%$171.71
24,800 at 7.41%$171.88
24,800 at 7.42%$172.05
24,800 at 7.43%$172.22
24,800 at 7.44%$172.39
24,800 at 7.45%$172.56
24,800 at 7.46%$172.73
24,800 at 7.47%$172.90
24,800 at 7.48%$173.07
24,800 at 7.49%$173.24
24,800 at 7.5%$173.41
24,800 at 7.51%$173.58
24,800 at 7.52%$173.74
24,800 at 7.53%$173.91
24,800 at 7.54%$174.08
24,800 at 7.55%$174.26
24,800 at 7.56%$174.43
24,800 at 7.57%$174.60
24,800 at 7.58%$174.77
24,800 at 7.59%$174.94
24,800 at 7.6%$175.11
24,800 at 7.61%$175.28
24,800 at 7.62%$175.45
24,800 at 7.63%$175.62
24,800 at 7.64%$175.79
24,800 at 7.65%$175.96
24,800 at 7.66%$176.13
24,800 at 7.67%$176.30
24,800 at 7.68%$176.47
24,800 at 7.69%$176.64
24,800 at 7.7%$176.81
24,800 at 7.71%$176.99
24,800 at 7.72%$177.16
24,800 at 7.73%$177.33
24,800 at 7.74%$177.50
24,800 at 7.75%$177.67
24,800 at 7.76%$177.84
24,800 at 7.77%$178.01
24,800 at 7.78%$178.18
24,800 at 7.79%$178.36
24,800 at 7.8%$178.53
24,800 at 7.81%$178.70
24,800 at 7.82%$178.87
24,800 at 7.83%$179.04
24,800 at 7.84%$179.22
24,800 at 7.85%$179.39
24,800 at 7.86%$179.56
24,800 at 7.87%$179.73
24,800 at 7.88%$179.90
24,800 at 7.89%$180.08
24,800 at 7.9%$180.25
24,800 at 7.91%$180.42
24,800 at 7.92%$180.59
24,800 at 7.93%$180.76
24,800 at 7.94%$180.94
24,800 at 7.95%$181.11
24,800 at 7.96%$181.28
24,800 at 7.97%$181.46
24,800 at 7.98%$181.63
24,800 at 7.99%$181.80
24,800 at 8%$181.97
More Amounts
What is the down payment for a $24,800 house? How much do you need to put down?
Percent Down Down Payment
1%248
2%496
3%744
4%992
5%1,240
6%1,488
7%1,736
8%1,984
9%2,232
10%2,480
11%2,728
12%2,976
13%3,224
14%3,472
15%3,720
16%3,968
17%4,216
18%4,464
19%4,712
20%4,960
Percent Down Down Payment
21%5,208
22%5,456
23%5,704
24%5,952
25%6,200
26%6,448
27%6,696
28%6,944
29%7,192
30%7,440
31%7,688
32%7,936
33%8,184
34%8,432
35%8,680
36%8,928
37%9,176
38%9,424
39%9,672
40%9,920
Percent Down Down Payment
41%10,168
42%10,416
43%10,664
44%10,912
45%11,160
46%11,408
47%11,656
48%11,904
49%12,152
50%12,400
51%12,648
52%12,896
53%13,144
54%13,392
55%13,640
56%13,888
57%14,136
58%14,384
59%14,632
60%14,880
Percent Down Down Payment
61%15,128
62%15,376
63%15,624
64%15,872
65%16,120
66%16,368
67%16,616
68%16,864
69%17,112
70%17,360
71%17,608
72%17,856
73%18,104
74%18,352
75%18,600
76%18,848
77%19,096
78%19,344
79%19,592
80%19,840
Percent Down Down Payment
81%20,088
82%20,336
83%20,584
84%20,832
85%21,080
86%21,328
87%21,576
88%21,824
89%22,072
90%22,320
91%22,568
92%22,816
93%23,064
94%23,312
95%23,560
96%23,808
97%24,056
98%24,304
99%24,552
100%24,800
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.