$24,900 Mortgage for 30 Years

What is the monthly payment of a 24,900 dollar loan?
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Loan Tables for a $24,900 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 $24,900 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
24,900 at 2.01%$92.16
24,900 at 2.02%$92.28
24,900 at 2.03%$92.41
24,900 at 2.04%$92.53
24,900 at 2.05%$92.66
24,900 at 2.06%$92.78
24,900 at 2.07%$92.91
24,900 at 2.08%$93.03
24,900 at 2.09%$93.16
24,900 at 2.1%$93.29
24,900 at 2.11%$93.41
24,900 at 2.12%$93.54
24,900 at 2.13%$93.66
24,900 at 2.14%$93.79
24,900 at 2.15%$93.91
24,900 at 2.16%$94.04
24,900 at 2.17%$94.17
24,900 at 2.18%$94.29
24,900 at 2.19%$94.42
24,900 at 2.2%$94.55
24,900 at 2.21%$94.67
24,900 at 2.22%$94.80
24,900 at 2.23%$94.93
24,900 at 2.24%$95.05
24,900 at 2.25%$95.18
24,900 at 2.26%$95.31
24,900 at 2.27%$95.43
24,900 at 2.28%$95.56
24,900 at 2.29%$95.69
24,900 at 2.3%$95.82
24,900 at 2.31%$95.94
24,900 at 2.32%$96.07
24,900 at 2.33%$96.20
24,900 at 2.34%$96.33
24,900 at 2.35%$96.45
24,900 at 2.36%$96.58
24,900 at 2.37%$96.71
24,900 at 2.38%$96.84
24,900 at 2.39%$96.97
24,900 at 2.4%$97.10
24,900 at 2.41%$97.22
24,900 at 2.42%$97.35
24,900 at 2.43%$97.48
24,900 at 2.44%$97.61
24,900 at 2.45%$97.74
24,900 at 2.46%$97.87
24,900 at 2.47%$98.00
24,900 at 2.48%$98.13
24,900 at 2.49%$98.26
24,900 at 2.5%$98.39
24,900 at 2.51%$98.51
24,900 at 2.52%$98.64
24,900 at 2.53%$98.77
24,900 at 2.54%$98.90
24,900 at 2.55%$99.03
24,900 at 2.56%$99.16
24,900 at 2.57%$99.29
24,900 at 2.58%$99.42
24,900 at 2.59%$99.55
24,900 at 2.6%$99.68
24,900 at 2.61%$99.82
24,900 at 2.62%$99.95
24,900 at 2.63%$100.08
24,900 at 2.64%$100.21
24,900 at 2.65%$100.34
24,900 at 2.66%$100.47
24,900 at 2.67%$100.60
24,900 at 2.68%$100.73
24,900 at 2.69%$100.86
24,900 at 2.7%$100.99
24,900 at 2.71%$101.13
24,900 at 2.72%$101.26
24,900 at 2.73%$101.39
24,900 at 2.74%$101.52
24,900 at 2.75%$101.65
24,900 at 2.76%$101.78
24,900 at 2.77%$101.92
24,900 at 2.78%$102.05
24,900 at 2.79%$102.18
24,900 at 2.8%$102.31
24,900 at 2.81%$102.45
24,900 at 2.82%$102.58
24,900 at 2.83%$102.71
24,900 at 2.84%$102.84
24,900 at 2.85%$102.98
24,900 at 2.86%$103.11
24,900 at 2.87%$103.24
24,900 at 2.88%$103.37
24,900 at 2.89%$103.51
24,900 at 2.9%$103.64
24,900 at 2.91%$103.77
24,900 at 2.92%$103.91
24,900 at 2.93%$104.04
24,900 at 2.94%$104.18
24,900 at 2.95%$104.31
24,900 at 2.96%$104.44
24,900 at 2.97%$104.58
24,900 at 2.98%$104.71
24,900 at 2.99%$104.85
24,900 at 3%$104.98
24,900 at 3.01%$105.11
24,900 at 3.02%$105.25
24,900 at 3.03%$105.38
24,900 at 3.04%$105.52
24,900 at 3.05%$105.65
24,900 at 3.06%$105.79
24,900 at 3.07%$105.92
24,900 at 3.08%$106.06
24,900 at 3.09%$106.19
24,900 at 3.1%$106.33
24,900 at 3.11%$106.46
24,900 at 3.12%$106.60
24,900 at 3.13%$106.73
24,900 at 3.14%$106.87
24,900 at 3.15%$107.00
24,900 at 3.16%$107.14
24,900 at 3.17%$107.28
24,900 at 3.18%$107.41
24,900 at 3.19%$107.55
24,900 at 3.2%$107.68
24,900 at 3.21%$107.82
24,900 at 3.22%$107.96
24,900 at 3.23%$108.09
24,900 at 3.24%$108.23
24,900 at 3.25%$108.37
24,900 at 3.26%$108.50
24,900 at 3.27%$108.64
24,900 at 3.28%$108.78
24,900 at 3.29%$108.91
24,900 at 3.3%$109.05
24,900 at 3.31%$109.19
24,900 at 3.32%$109.33
24,900 at 3.33%$109.46
24,900 at 3.34%$109.60
24,900 at 3.35%$109.74
24,900 at 3.36%$109.88
24,900 at 3.37%$110.01
24,900 at 3.38%$110.15
24,900 at 3.39%$110.29
24,900 at 3.4%$110.43
24,900 at 3.41%$110.56
24,900 at 3.42%$110.70
24,900 at 3.43%$110.84
24,900 at 3.44%$110.98
24,900 at 3.45%$111.12
24,900 at 3.46%$111.26
24,900 at 3.47%$111.40
24,900 at 3.48%$111.53
24,900 at 3.49%$111.67
24,900 at 3.5%$111.81
Interest Rate 30 Year
24,900 at 3.51%$111.95
24,900 at 3.52%$112.09
24,900 at 3.53%$112.23
24,900 at 3.54%$112.37
24,900 at 3.55%$112.51
24,900 at 3.56%$112.65
24,900 at 3.57%$112.79
24,900 at 3.58%$112.93
24,900 at 3.59%$113.07
24,900 at 3.6%$113.21
24,900 at 3.61%$113.35
24,900 at 3.62%$113.49
24,900 at 3.63%$113.63
24,900 at 3.64%$113.77
24,900 at 3.65%$113.91
24,900 at 3.66%$114.05
24,900 at 3.67%$114.19
24,900 at 3.68%$114.33
24,900 at 3.69%$114.47
24,900 at 3.7%$114.61
24,900 at 3.71%$114.75
24,900 at 3.72%$114.89
24,900 at 3.73%$115.03
24,900 at 3.74%$115.17
24,900 at 3.75%$115.32
24,900 at 3.76%$115.46
24,900 at 3.77%$115.60
24,900 at 3.78%$115.74
24,900 at 3.79%$115.88
24,900 at 3.8%$116.02
24,900 at 3.81%$116.17
24,900 at 3.82%$116.31
24,900 at 3.83%$116.45
24,900 at 3.84%$116.59
24,900 at 3.85%$116.73
24,900 at 3.86%$116.88
24,900 at 3.87%$117.02
24,900 at 3.88%$117.16
24,900 at 3.89%$117.30
24,900 at 3.9%$117.45
24,900 at 3.91%$117.59
24,900 at 3.92%$117.73
24,900 at 3.93%$117.87
24,900 at 3.94%$118.02
24,900 at 3.95%$118.16
24,900 at 3.96%$118.30
24,900 at 3.97%$118.45
24,900 at 3.98%$118.59
24,900 at 3.99%$118.73
24,900 at 4%$118.88
24,900 at 4.01%$119.02
24,900 at 4.02%$119.16
24,900 at 4.03%$119.31
24,900 at 4.04%$119.45
24,900 at 4.05%$119.60
24,900 at 4.06%$119.74
24,900 at 4.07%$119.88
24,900 at 4.08%$120.03
24,900 at 4.09%$120.17
24,900 at 4.1%$120.32
24,900 at 4.11%$120.46
24,900 at 4.12%$120.61
24,900 at 4.13%$120.75
24,900 at 4.14%$120.89
24,900 at 4.15%$121.04
24,900 at 4.16%$121.18
24,900 at 4.17%$121.33
24,900 at 4.18%$121.47
24,900 at 4.19%$121.62
24,900 at 4.2%$121.77
24,900 at 4.21%$121.91
24,900 at 4.22%$122.06
24,900 at 4.23%$122.20
24,900 at 4.24%$122.35
24,900 at 4.25%$122.49
24,900 at 4.26%$122.64
24,900 at 4.27%$122.78
24,900 at 4.28%$122.93
24,900 at 4.29%$123.08
24,900 at 4.3%$123.22
24,900 at 4.31%$123.37
24,900 at 4.32%$123.52
24,900 at 4.33%$123.66
24,900 at 4.34%$123.81
24,900 at 4.35%$123.96
24,900 at 4.36%$124.10
24,900 at 4.37%$124.25
24,900 at 4.38%$124.40
24,900 at 4.39%$124.54
24,900 at 4.4%$124.69
24,900 at 4.41%$124.84
24,900 at 4.42%$124.98
24,900 at 4.43%$125.13
24,900 at 4.44%$125.28
24,900 at 4.45%$125.43
24,900 at 4.46%$125.57
24,900 at 4.47%$125.72
24,900 at 4.48%$125.87
24,900 at 4.49%$126.02
24,900 at 4.5%$126.16
24,900 at 4.51%$126.31
24,900 at 4.52%$126.46
24,900 at 4.53%$126.61
24,900 at 4.54%$126.76
24,900 at 4.55%$126.91
24,900 at 4.56%$127.05
24,900 at 4.57%$127.20
24,900 at 4.58%$127.35
24,900 at 4.59%$127.50
24,900 at 4.6%$127.65
24,900 at 4.61%$127.80
24,900 at 4.62%$127.95
24,900 at 4.63%$128.10
24,900 at 4.64%$128.24
24,900 at 4.65%$128.39
24,900 at 4.66%$128.54
24,900 at 4.67%$128.69
24,900 at 4.68%$128.84
24,900 at 4.69%$128.99
24,900 at 4.7%$129.14
24,900 at 4.71%$129.29
24,900 at 4.72%$129.44
24,900 at 4.73%$129.59
24,900 at 4.74%$129.74
24,900 at 4.75%$129.89
24,900 at 4.76%$130.04
24,900 at 4.77%$130.19
24,900 at 4.78%$130.34
24,900 at 4.79%$130.49
24,900 at 4.8%$130.64
24,900 at 4.81%$130.79
24,900 at 4.82%$130.94
24,900 at 4.83%$131.09
24,900 at 4.84%$131.24
24,900 at 4.85%$131.40
24,900 at 4.86%$131.55
24,900 at 4.87%$131.70
24,900 at 4.88%$131.85
24,900 at 4.89%$132.00
24,900 at 4.9%$132.15
24,900 at 4.91%$132.30
24,900 at 4.92%$132.45
24,900 at 4.93%$132.61
24,900 at 4.94%$132.76
24,900 at 4.95%$132.91
24,900 at 4.96%$133.06
24,900 at 4.97%$133.21
24,900 at 4.98%$133.36
24,900 at 4.99%$133.52
24,900 at 5%$133.67
Interest Rate 30 Year
24,900 at 5.01%$133.82
24,900 at 5.02%$133.97
24,900 at 5.03%$134.13
24,900 at 5.04%$134.28
24,900 at 5.05%$134.43
24,900 at 5.06%$134.58
24,900 at 5.07%$134.74
24,900 at 5.08%$134.89
24,900 at 5.09%$135.04
24,900 at 5.1%$135.19
24,900 at 5.11%$135.35
24,900 at 5.12%$135.50
24,900 at 5.13%$135.65
24,900 at 5.14%$135.81
24,900 at 5.15%$135.96
24,900 at 5.16%$136.11
24,900 at 5.17%$136.27
24,900 at 5.18%$136.42
24,900 at 5.19%$136.57
24,900 at 5.2%$136.73
24,900 at 5.21%$136.88
24,900 at 5.22%$137.04
24,900 at 5.23%$137.19
24,900 at 5.24%$137.34
24,900 at 5.25%$137.50
24,900 at 5.26%$137.65
24,900 at 5.27%$137.81
24,900 at 5.28%$137.96
24,900 at 5.29%$138.12
24,900 at 5.3%$138.27
24,900 at 5.31%$138.43
24,900 at 5.32%$138.58
24,900 at 5.33%$138.74
24,900 at 5.34%$138.89
24,900 at 5.35%$139.05
24,900 at 5.36%$139.20
24,900 at 5.37%$139.36
24,900 at 5.38%$139.51
24,900 at 5.39%$139.67
24,900 at 5.4%$139.82
24,900 at 5.41%$139.98
24,900 at 5.42%$140.13
24,900 at 5.43%$140.29
24,900 at 5.44%$140.44
24,900 at 5.45%$140.60
24,900 at 5.46%$140.76
24,900 at 5.47%$140.91
24,900 at 5.48%$141.07
24,900 at 5.49%$141.22
24,900 at 5.5%$141.38
24,900 at 5.51%$141.54
24,900 at 5.52%$141.69
24,900 at 5.53%$141.85
24,900 at 5.54%$142.00
24,900 at 5.55%$142.16
24,900 at 5.56%$142.32
24,900 at 5.57%$142.47
24,900 at 5.58%$142.63
24,900 at 5.59%$142.79
24,900 at 5.6%$142.95
24,900 at 5.61%$143.10
24,900 at 5.62%$143.26
24,900 at 5.63%$143.42
24,900 at 5.64%$143.57
24,900 at 5.65%$143.73
24,900 at 5.66%$143.89
24,900 at 5.67%$144.05
24,900 at 5.68%$144.20
24,900 at 5.69%$144.36
24,900 at 5.7%$144.52
24,900 at 5.71%$144.68
24,900 at 5.72%$144.84
24,900 at 5.73%$144.99
24,900 at 5.74%$145.15
24,900 at 5.75%$145.31
24,900 at 5.76%$145.47
24,900 at 5.77%$145.63
24,900 at 5.78%$145.78
24,900 at 5.79%$145.94
24,900 at 5.8%$146.10
24,900 at 5.81%$146.26
24,900 at 5.82%$146.42
24,900 at 5.83%$146.58
24,900 at 5.84%$146.74
24,900 at 5.85%$146.90
24,900 at 5.86%$147.05
24,900 at 5.87%$147.21
24,900 at 5.88%$147.37
24,900 at 5.89%$147.53
24,900 at 5.9%$147.69
24,900 at 5.91%$147.85
24,900 at 5.92%$148.01
24,900 at 5.93%$148.17
24,900 at 5.94%$148.33
24,900 at 5.95%$148.49
24,900 at 5.96%$148.65
24,900 at 5.97%$148.81
24,900 at 5.98%$148.97
24,900 at 5.99%$149.13
24,900 at 6%$149.29
24,900 at 6.01%$149.45
24,900 at 6.02%$149.61
24,900 at 6.03%$149.77
24,900 at 6.04%$149.93
24,900 at 6.05%$150.09
24,900 at 6.06%$150.25
24,900 at 6.07%$150.41
24,900 at 6.08%$150.57
24,900 at 6.09%$150.73
24,900 at 6.1%$150.89
24,900 at 6.11%$151.05
24,900 at 6.12%$151.21
24,900 at 6.13%$151.38
24,900 at 6.14%$151.54
24,900 at 6.15%$151.70
24,900 at 6.16%$151.86
24,900 at 6.17%$152.02
24,900 at 6.18%$152.18
24,900 at 6.19%$152.34
24,900 at 6.2%$152.50
24,900 at 6.21%$152.67
24,900 at 6.22%$152.83
24,900 at 6.23%$152.99
24,900 at 6.24%$153.15
24,900 at 6.25%$153.31
24,900 at 6.26%$153.48
24,900 at 6.27%$153.64
24,900 at 6.28%$153.80
24,900 at 6.29%$153.96
24,900 at 6.3%$154.12
24,900 at 6.31%$154.29
24,900 at 6.32%$154.45
24,900 at 6.33%$154.61
24,900 at 6.34%$154.77
24,900 at 6.35%$154.94
24,900 at 6.36%$155.10
24,900 at 6.37%$155.26
24,900 at 6.38%$155.43
24,900 at 6.39%$155.59
24,900 at 6.4%$155.75
24,900 at 6.41%$155.91
24,900 at 6.42%$156.08
24,900 at 6.43%$156.24
24,900 at 6.44%$156.40
24,900 at 6.45%$156.57
24,900 at 6.46%$156.73
24,900 at 6.47%$156.89
24,900 at 6.48%$157.06
24,900 at 6.49%$157.22
24,900 at 6.5%$157.38
Interest Rate 30 Year
24,900 at 6.51%$157.55
24,900 at 6.52%$157.71
24,900 at 6.53%$157.88
24,900 at 6.54%$158.04
24,900 at 6.55%$158.20
24,900 at 6.56%$158.37
24,900 at 6.57%$158.53
24,900 at 6.58%$158.70
24,900 at 6.59%$158.86
24,900 at 6.6%$159.03
24,900 at 6.61%$159.19
24,900 at 6.62%$159.36
24,900 at 6.63%$159.52
24,900 at 6.64%$159.68
24,900 at 6.65%$159.85
24,900 at 6.66%$160.01
24,900 at 6.67%$160.18
24,900 at 6.68%$160.34
24,900 at 6.69%$160.51
24,900 at 6.7%$160.67
24,900 at 6.71%$160.84
24,900 at 6.72%$161.00
24,900 at 6.73%$161.17
24,900 at 6.74%$161.34
24,900 at 6.75%$161.50
24,900 at 6.76%$161.67
24,900 at 6.77%$161.83
24,900 at 6.78%$162.00
24,900 at 6.79%$162.16
24,900 at 6.8%$162.33
24,900 at 6.81%$162.50
24,900 at 6.82%$162.66
24,900 at 6.83%$162.83
24,900 at 6.84%$162.99
24,900 at 6.85%$163.16
24,900 at 6.86%$163.33
24,900 at 6.87%$163.49
24,900 at 6.88%$163.66
24,900 at 6.89%$163.82
24,900 at 6.9%$163.99
24,900 at 6.91%$164.16
24,900 at 6.92%$164.32
24,900 at 6.93%$164.49
24,900 at 6.94%$164.66
24,900 at 6.95%$164.83
24,900 at 6.96%$164.99
24,900 at 6.97%$165.16
24,900 at 6.98%$165.33
24,900 at 6.99%$165.49
24,900 at 7%$165.66
24,900 at 7.01%$165.83
24,900 at 7.02%$165.99
24,900 at 7.03%$166.16
24,900 at 7.04%$166.33
24,900 at 7.05%$166.50
24,900 at 7.06%$166.66
24,900 at 7.07%$166.83
24,900 at 7.08%$167.00
24,900 at 7.09%$167.17
24,900 at 7.1%$167.34
24,900 at 7.11%$167.50
24,900 at 7.12%$167.67
24,900 at 7.13%$167.84
24,900 at 7.14%$168.01
24,900 at 7.15%$168.18
24,900 at 7.16%$168.34
24,900 at 7.17%$168.51
24,900 at 7.18%$168.68
24,900 at 7.19%$168.85
24,900 at 7.2%$169.02
24,900 at 7.21%$169.19
24,900 at 7.22%$169.36
24,900 at 7.23%$169.52
24,900 at 7.24%$169.69
24,900 at 7.25%$169.86
24,900 at 7.26%$170.03
24,900 at 7.27%$170.20
24,900 at 7.28%$170.37
24,900 at 7.29%$170.54
24,900 at 7.3%$170.71
24,900 at 7.31%$170.88
24,900 at 7.32%$171.05
24,900 at 7.33%$171.22
24,900 at 7.34%$171.38
24,900 at 7.35%$171.55
24,900 at 7.36%$171.72
24,900 at 7.37%$171.89
24,900 at 7.38%$172.06
24,900 at 7.39%$172.23
24,900 at 7.4%$172.40
24,900 at 7.41%$172.57
24,900 at 7.42%$172.74
24,900 at 7.43%$172.91
24,900 at 7.44%$173.08
24,900 at 7.45%$173.25
24,900 at 7.46%$173.42
24,900 at 7.47%$173.59
24,900 at 7.48%$173.76
24,900 at 7.49%$173.93
24,900 at 7.5%$174.10
24,900 at 7.51%$174.27
24,900 at 7.52%$174.45
24,900 at 7.53%$174.62
24,900 at 7.54%$174.79
24,900 at 7.55%$174.96
24,900 at 7.56%$175.13
24,900 at 7.57%$175.30
24,900 at 7.58%$175.47
24,900 at 7.59%$175.64
24,900 at 7.6%$175.81
24,900 at 7.61%$175.98
24,900 at 7.62%$176.16
24,900 at 7.63%$176.33
24,900 at 7.64%$176.50
24,900 at 7.65%$176.67
24,900 at 7.66%$176.84
24,900 at 7.67%$177.01
24,900 at 7.68%$177.18
24,900 at 7.69%$177.36
24,900 at 7.7%$177.53
24,900 at 7.71%$177.70
24,900 at 7.72%$177.87
24,900 at 7.73%$178.04
24,900 at 7.74%$178.21
24,900 at 7.75%$178.39
24,900 at 7.76%$178.56
24,900 at 7.77%$178.73
24,900 at 7.78%$178.90
24,900 at 7.79%$179.08
24,900 at 7.8%$179.25
24,900 at 7.81%$179.42
24,900 at 7.82%$179.59
24,900 at 7.83%$179.77
24,900 at 7.84%$179.94
24,900 at 7.85%$180.11
24,900 at 7.86%$180.28
24,900 at 7.87%$180.46
24,900 at 7.88%$180.63
24,900 at 7.89%$180.80
24,900 at 7.9%$180.97
24,900 at 7.91%$181.15
24,900 at 7.92%$181.32
24,900 at 7.93%$181.49
24,900 at 7.94%$181.67
24,900 at 7.95%$181.84
24,900 at 7.96%$182.01
24,900 at 7.97%$182.19
24,900 at 7.98%$182.36
24,900 at 7.99%$182.53
24,900 at 8%$182.71
More Amounts
What is the down payment for a $24,900 house? How much do you need to put down?
Percent Down Down Payment
1%249
2%498
3%747
4%996
5%1,245
6%1,494
7%1,743
8%1,992
9%2,241
10%2,490
11%2,739
12%2,988
13%3,237
14%3,486
15%3,735
16%3,984
17%4,233
18%4,482
19%4,731
20%4,980
Percent Down Down Payment
21%5,229
22%5,478
23%5,727
24%5,976
25%6,225
26%6,474
27%6,723
28%6,972
29%7,221
30%7,470
31%7,719
32%7,968
33%8,217
34%8,466
35%8,715
36%8,964
37%9,213
38%9,462
39%9,711
40%9,960
Percent Down Down Payment
41%10,209
42%10,458
43%10,707
44%10,956
45%11,205
46%11,454
47%11,703
48%11,952
49%12,201
50%12,450
51%12,699
52%12,948
53%13,197
54%13,446
55%13,695
56%13,944
57%14,193
58%14,442
59%14,691
60%14,940
Percent Down Down Payment
61%15,189
62%15,438
63%15,687
64%15,936
65%16,185
66%16,434
67%16,683
68%16,932
69%17,181
70%17,430
71%17,679
72%17,928
73%18,177
74%18,426
75%18,675
76%18,924
77%19,173
78%19,422
79%19,671
80%19,920
Percent Down Down Payment
81%20,169
82%20,418
83%20,667
84%20,916
85%21,165
86%21,414
87%21,663
88%21,912
89%22,161
90%22,410
91%22,659
92%22,908
93%23,157
94%23,406
95%23,655
96%23,904
97%24,153
98%24,402
99%24,651
100%24,900
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.