$3,000 Mortgage for 30 Years

What is the monthly payment of a 3,000 dollar loan? (adjust inputs to calculate new loan)
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Loan Tables for a $3,000 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 3k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $3,000 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
3,000 at 2.01%$11.10
3,000 at 2.02%$11.12
3,000 at 2.03%$11.13
3,000 at 2.04%$11.15
3,000 at 2.05%$11.16
3,000 at 2.06%$11.18
3,000 at 2.07%$11.19
3,000 at 2.08%$11.21
3,000 at 2.09%$11.22
3,000 at 2.1%$11.24
3,000 at 2.11%$11.25
3,000 at 2.12%$11.27
3,000 at 2.13%$11.28
3,000 at 2.14%$11.30
3,000 at 2.15%$11.31
3,000 at 2.16%$11.33
3,000 at 2.17%$11.35
3,000 at 2.18%$11.36
3,000 at 2.19%$11.38
3,000 at 2.2%$11.39
3,000 at 2.21%$11.41
3,000 at 2.22%$11.42
3,000 at 2.23%$11.44
3,000 at 2.24%$11.45
3,000 at 2.25%$11.47
3,000 at 2.26%$11.48
3,000 at 2.27%$11.50
3,000 at 2.28%$11.51
3,000 at 2.29%$11.53
3,000 at 2.3%$11.54
3,000 at 2.31%$11.56
3,000 at 2.32%$11.57
3,000 at 2.33%$11.59
3,000 at 2.34%$11.61
3,000 at 2.35%$11.62
3,000 at 2.36%$11.64
3,000 at 2.37%$11.65
3,000 at 2.38%$11.67
3,000 at 2.39%$11.68
3,000 at 2.4%$11.70
3,000 at 2.41%$11.71
3,000 at 2.42%$11.73
3,000 at 2.43%$11.74
3,000 at 2.44%$11.76
3,000 at 2.45%$11.78
3,000 at 2.46%$11.79
3,000 at 2.47%$11.81
3,000 at 2.48%$11.82
3,000 at 2.49%$11.84
3,000 at 2.5%$11.85
3,000 at 2.51%$11.87
3,000 at 2.52%$11.88
3,000 at 2.53%$11.90
3,000 at 2.54%$11.92
3,000 at 2.55%$11.93
3,000 at 2.56%$11.95
3,000 at 2.57%$11.96
3,000 at 2.58%$11.98
3,000 at 2.59%$11.99
3,000 at 2.6%$12.01
3,000 at 2.61%$12.03
3,000 at 2.62%$12.04
3,000 at 2.63%$12.06
3,000 at 2.64%$12.07
3,000 at 2.65%$12.09
3,000 at 2.66%$12.10
3,000 at 2.67%$12.12
3,000 at 2.68%$12.14
3,000 at 2.69%$12.15
3,000 at 2.7%$12.17
3,000 at 2.71%$12.18
3,000 at 2.72%$12.20
3,000 at 2.73%$12.22
3,000 at 2.74%$12.23
3,000 at 2.75%$12.25
3,000 at 2.76%$12.26
3,000 at 2.77%$12.28
3,000 at 2.78%$12.29
3,000 at 2.79%$12.31
3,000 at 2.8%$12.33
3,000 at 2.81%$12.34
3,000 at 2.82%$12.36
3,000 at 2.83%$12.37
3,000 at 2.84%$12.39
3,000 at 2.85%$12.41
3,000 at 2.86%$12.42
3,000 at 2.87%$12.44
3,000 at 2.88%$12.45
3,000 at 2.89%$12.47
3,000 at 2.9%$12.49
3,000 at 2.91%$12.50
3,000 at 2.92%$12.52
3,000 at 2.93%$12.54
3,000 at 2.94%$12.55
3,000 at 2.95%$12.57
3,000 at 2.96%$12.58
3,000 at 2.97%$12.60
3,000 at 2.98%$12.62
3,000 at 2.99%$12.63
3,000 at 3%$12.65
3,000 at 3.01%$12.66
3,000 at 3.02%$12.68
3,000 at 3.03%$12.70
3,000 at 3.04%$12.71
3,000 at 3.05%$12.73
3,000 at 3.06%$12.75
3,000 at 3.07%$12.76
3,000 at 3.08%$12.78
3,000 at 3.09%$12.79
3,000 at 3.1%$12.81
3,000 at 3.11%$12.83
3,000 at 3.12%$12.84
3,000 at 3.13%$12.86
3,000 at 3.14%$12.88
3,000 at 3.15%$12.89
3,000 at 3.16%$12.91
3,000 at 3.17%$12.92
3,000 at 3.18%$12.94
3,000 at 3.19%$12.96
3,000 at 3.2%$12.97
3,000 at 3.21%$12.99
3,000 at 3.22%$13.01
3,000 at 3.23%$13.02
3,000 at 3.24%$13.04
3,000 at 3.25%$13.06
3,000 at 3.26%$13.07
3,000 at 3.27%$13.09
3,000 at 3.28%$13.11
3,000 at 3.29%$13.12
3,000 at 3.3%$13.14
3,000 at 3.31%$13.16
3,000 at 3.32%$13.17
3,000 at 3.33%$13.19
3,000 at 3.34%$13.20
3,000 at 3.35%$13.22
3,000 at 3.36%$13.24
3,000 at 3.37%$13.25
3,000 at 3.38%$13.27
3,000 at 3.39%$13.29
3,000 at 3.4%$13.30
3,000 at 3.41%$13.32
3,000 at 3.42%$13.34
3,000 at 3.43%$13.35
3,000 at 3.44%$13.37
3,000 at 3.45%$13.39
3,000 at 3.46%$13.40
3,000 at 3.47%$13.42
3,000 at 3.48%$13.44
3,000 at 3.49%$13.45
3,000 at 3.5%$13.47
Interest Rate 30 Year
3,000 at 3.51%$13.49
3,000 at 3.52%$13.50
3,000 at 3.53%$13.52
3,000 at 3.54%$13.54
3,000 at 3.55%$13.56
3,000 at 3.56%$13.57
3,000 at 3.57%$13.59
3,000 at 3.58%$13.61
3,000 at 3.59%$13.62
3,000 at 3.6%$13.64
3,000 at 3.61%$13.66
3,000 at 3.62%$13.67
3,000 at 3.63%$13.69
3,000 at 3.64%$13.71
3,000 at 3.65%$13.72
3,000 at 3.66%$13.74
3,000 at 3.67%$13.76
3,000 at 3.68%$13.77
3,000 at 3.69%$13.79
3,000 at 3.7%$13.81
3,000 at 3.71%$13.83
3,000 at 3.72%$13.84
3,000 at 3.73%$13.86
3,000 at 3.74%$13.88
3,000 at 3.75%$13.89
3,000 at 3.76%$13.91
3,000 at 3.77%$13.93
3,000 at 3.78%$13.94
3,000 at 3.79%$13.96
3,000 at 3.8%$13.98
3,000 at 3.81%$14.00
3,000 at 3.82%$14.01
3,000 at 3.83%$14.03
3,000 at 3.84%$14.05
3,000 at 3.85%$14.06
3,000 at 3.86%$14.08
3,000 at 3.87%$14.10
3,000 at 3.88%$14.12
3,000 at 3.89%$14.13
3,000 at 3.9%$14.15
3,000 at 3.91%$14.17
3,000 at 3.92%$14.18
3,000 at 3.93%$14.20
3,000 at 3.94%$14.22
3,000 at 3.95%$14.24
3,000 at 3.96%$14.25
3,000 at 3.97%$14.27
3,000 at 3.98%$14.29
3,000 at 3.99%$14.31
3,000 at 4%$14.32
3,000 at 4.01%$14.34
3,000 at 4.02%$14.36
3,000 at 4.03%$14.37
3,000 at 4.04%$14.39
3,000 at 4.05%$14.41
3,000 at 4.06%$14.43
3,000 at 4.07%$14.44
3,000 at 4.08%$14.46
3,000 at 4.09%$14.48
3,000 at 4.1%$14.50
3,000 at 4.11%$14.51
3,000 at 4.12%$14.53
3,000 at 4.13%$14.55
3,000 at 4.14%$14.57
3,000 at 4.15%$14.58
3,000 at 4.16%$14.60
3,000 at 4.17%$14.62
3,000 at 4.18%$14.64
3,000 at 4.19%$14.65
3,000 at 4.2%$14.67
3,000 at 4.21%$14.69
3,000 at 4.22%$14.71
3,000 at 4.23%$14.72
3,000 at 4.24%$14.74
3,000 at 4.25%$14.76
3,000 at 4.26%$14.78
3,000 at 4.27%$14.79
3,000 at 4.28%$14.81
3,000 at 4.29%$14.83
3,000 at 4.3%$14.85
3,000 at 4.31%$14.86
3,000 at 4.32%$14.88
3,000 at 4.33%$14.90
3,000 at 4.34%$14.92
3,000 at 4.35%$14.93
3,000 at 4.36%$14.95
3,000 at 4.37%$14.97
3,000 at 4.38%$14.99
3,000 at 4.39%$15.01
3,000 at 4.4%$15.02
3,000 at 4.41%$15.04
3,000 at 4.42%$15.06
3,000 at 4.43%$15.08
3,000 at 4.44%$15.09
3,000 at 4.45%$15.11
3,000 at 4.46%$15.13
3,000 at 4.47%$15.15
3,000 at 4.48%$15.16
3,000 at 4.49%$15.18
3,000 at 4.5%$15.20
3,000 at 4.51%$15.22
3,000 at 4.52%$15.24
3,000 at 4.53%$15.25
3,000 at 4.54%$15.27
3,000 at 4.55%$15.29
3,000 at 4.56%$15.31
3,000 at 4.57%$15.33
3,000 at 4.58%$15.34
3,000 at 4.59%$15.36
3,000 at 4.6%$15.38
3,000 at 4.61%$15.40
3,000 at 4.62%$15.42
3,000 at 4.63%$15.43
3,000 at 4.64%$15.45
3,000 at 4.65%$15.47
3,000 at 4.66%$15.49
3,000 at 4.67%$15.51
3,000 at 4.68%$15.52
3,000 at 4.69%$15.54
3,000 at 4.7%$15.56
3,000 at 4.71%$15.58
3,000 at 4.72%$15.60
3,000 at 4.73%$15.61
3,000 at 4.74%$15.63
3,000 at 4.75%$15.65
3,000 at 4.76%$15.67
3,000 at 4.77%$15.69
3,000 at 4.78%$15.70
3,000 at 4.79%$15.72
3,000 at 4.8%$15.74
3,000 at 4.81%$15.76
3,000 at 4.82%$15.78
3,000 at 4.83%$15.79
3,000 at 4.84%$15.81
3,000 at 4.85%$15.83
3,000 at 4.86%$15.85
3,000 at 4.87%$15.87
3,000 at 4.88%$15.89
3,000 at 4.89%$15.90
3,000 at 4.9%$15.92
3,000 at 4.91%$15.94
3,000 at 4.92%$15.96
3,000 at 4.93%$15.98
3,000 at 4.94%$15.99
3,000 at 4.95%$16.01
3,000 at 4.96%$16.03
3,000 at 4.97%$16.05
3,000 at 4.98%$16.07
3,000 at 4.99%$16.09
3,000 at 5%$16.10
Interest Rate 30 Year
3,000 at 5.01%$16.12
3,000 at 5.02%$16.14
3,000 at 5.03%$16.16
3,000 at 5.04%$16.18
3,000 at 5.05%$16.20
3,000 at 5.06%$16.21
3,000 at 5.07%$16.23
3,000 at 5.08%$16.25
3,000 at 5.09%$16.27
3,000 at 5.1%$16.29
3,000 at 5.11%$16.31
3,000 at 5.12%$16.33
3,000 at 5.13%$16.34
3,000 at 5.14%$16.36
3,000 at 5.15%$16.38
3,000 at 5.16%$16.40
3,000 at 5.17%$16.42
3,000 at 5.18%$16.44
3,000 at 5.19%$16.45
3,000 at 5.2%$16.47
3,000 at 5.21%$16.49
3,000 at 5.22%$16.51
3,000 at 5.23%$16.53
3,000 at 5.24%$16.55
3,000 at 5.25%$16.57
3,000 at 5.26%$16.58
3,000 at 5.27%$16.60
3,000 at 5.28%$16.62
3,000 at 5.29%$16.64
3,000 at 5.3%$16.66
3,000 at 5.31%$16.68
3,000 at 5.32%$16.70
3,000 at 5.33%$16.72
3,000 at 5.34%$16.73
3,000 at 5.35%$16.75
3,000 at 5.36%$16.77
3,000 at 5.37%$16.79
3,000 at 5.38%$16.81
3,000 at 5.39%$16.83
3,000 at 5.4%$16.85
3,000 at 5.41%$16.86
3,000 at 5.42%$16.88
3,000 at 5.43%$16.90
3,000 at 5.44%$16.92
3,000 at 5.45%$16.94
3,000 at 5.46%$16.96
3,000 at 5.47%$16.98
3,000 at 5.48%$17.00
3,000 at 5.49%$17.01
3,000 at 5.5%$17.03
3,000 at 5.51%$17.05
3,000 at 5.52%$17.07
3,000 at 5.53%$17.09
3,000 at 5.54%$17.11
3,000 at 5.55%$17.13
3,000 at 5.56%$17.15
3,000 at 5.57%$17.17
3,000 at 5.58%$17.18
3,000 at 5.59%$17.20
3,000 at 5.6%$17.22
3,000 at 5.61%$17.24
3,000 at 5.62%$17.26
3,000 at 5.63%$17.28
3,000 at 5.64%$17.30
3,000 at 5.65%$17.32
3,000 at 5.66%$17.34
3,000 at 5.67%$17.36
3,000 at 5.68%$17.37
3,000 at 5.69%$17.39
3,000 at 5.7%$17.41
3,000 at 5.71%$17.43
3,000 at 5.72%$17.45
3,000 at 5.73%$17.47
3,000 at 5.74%$17.49
3,000 at 5.75%$17.51
3,000 at 5.76%$17.53
3,000 at 5.77%$17.55
3,000 at 5.78%$17.56
3,000 at 5.79%$17.58
3,000 at 5.8%$17.60
3,000 at 5.81%$17.62
3,000 at 5.82%$17.64
3,000 at 5.83%$17.66
3,000 at 5.84%$17.68
3,000 at 5.85%$17.70
3,000 at 5.86%$17.72
3,000 at 5.87%$17.74
3,000 at 5.88%$17.76
3,000 at 5.89%$17.77
3,000 at 5.9%$17.79
3,000 at 5.91%$17.81
3,000 at 5.92%$17.83
3,000 at 5.93%$17.85
3,000 at 5.94%$17.87
3,000 at 5.95%$17.89
3,000 at 5.96%$17.91
3,000 at 5.97%$17.93
3,000 at 5.98%$17.95
3,000 at 5.99%$17.97
3,000 at 6%$17.99
3,000 at 6.01%$18.01
3,000 at 6.02%$18.03
3,000 at 6.03%$18.04
3,000 at 6.04%$18.06
3,000 at 6.05%$18.08
3,000 at 6.06%$18.10
3,000 at 6.07%$18.12
3,000 at 6.08%$18.14
3,000 at 6.09%$18.16
3,000 at 6.1%$18.18
3,000 at 6.11%$18.20
3,000 at 6.12%$18.22
3,000 at 6.13%$18.24
3,000 at 6.14%$18.26
3,000 at 6.15%$18.28
3,000 at 6.16%$18.30
3,000 at 6.17%$18.32
3,000 at 6.18%$18.34
3,000 at 6.19%$18.35
3,000 at 6.2%$18.37
3,000 at 6.21%$18.39
3,000 at 6.22%$18.41
3,000 at 6.23%$18.43
3,000 at 6.24%$18.45
3,000 at 6.25%$18.47
3,000 at 6.26%$18.49
3,000 at 6.27%$18.51
3,000 at 6.28%$18.53
3,000 at 6.29%$18.55
3,000 at 6.3%$18.57
3,000 at 6.31%$18.59
3,000 at 6.32%$18.61
3,000 at 6.33%$18.63
3,000 at 6.34%$18.65
3,000 at 6.35%$18.67
3,000 at 6.36%$18.69
3,000 at 6.37%$18.71
3,000 at 6.38%$18.73
3,000 at 6.39%$18.75
3,000 at 6.4%$18.77
3,000 at 6.41%$18.78
3,000 at 6.42%$18.80
3,000 at 6.43%$18.82
3,000 at 6.44%$18.84
3,000 at 6.45%$18.86
3,000 at 6.46%$18.88
3,000 at 6.47%$18.90
3,000 at 6.48%$18.92
3,000 at 6.49%$18.94
3,000 at 6.5%$18.96
Interest Rate 30 Year
3,000 at 6.51%$18.98
3,000 at 6.52%$19.00
3,000 at 6.53%$19.02
3,000 at 6.54%$19.04
3,000 at 6.55%$19.06
3,000 at 6.56%$19.08
3,000 at 6.57%$19.10
3,000 at 6.58%$19.12
3,000 at 6.59%$19.14
3,000 at 6.6%$19.16
3,000 at 6.61%$19.18
3,000 at 6.62%$19.20
3,000 at 6.63%$19.22
3,000 at 6.64%$19.24
3,000 at 6.65%$19.26
3,000 at 6.66%$19.28
3,000 at 6.67%$19.30
3,000 at 6.68%$19.32
3,000 at 6.69%$19.34
3,000 at 6.7%$19.36
3,000 at 6.71%$19.38
3,000 at 6.72%$19.40
3,000 at 6.73%$19.42
3,000 at 6.74%$19.44
3,000 at 6.75%$19.46
3,000 at 6.76%$19.48
3,000 at 6.77%$19.50
3,000 at 6.78%$19.52
3,000 at 6.79%$19.54
3,000 at 6.8%$19.56
3,000 at 6.81%$19.58
3,000 at 6.82%$19.60
3,000 at 6.83%$19.62
3,000 at 6.84%$19.64
3,000 at 6.85%$19.66
3,000 at 6.86%$19.68
3,000 at 6.87%$19.70
3,000 at 6.88%$19.72
3,000 at 6.89%$19.74
3,000 at 6.9%$19.76
3,000 at 6.91%$19.78
3,000 at 6.92%$19.80
3,000 at 6.93%$19.82
3,000 at 6.94%$19.84
3,000 at 6.95%$19.86
3,000 at 6.96%$19.88
3,000 at 6.97%$19.90
3,000 at 6.98%$19.92
3,000 at 6.99%$19.94
3,000 at 7%$19.96
3,000 at 7.01%$19.98
3,000 at 7.02%$20.00
3,000 at 7.03%$20.02
3,000 at 7.04%$20.04
3,000 at 7.05%$20.06
3,000 at 7.06%$20.08
3,000 at 7.07%$20.10
3,000 at 7.08%$20.12
3,000 at 7.09%$20.14
3,000 at 7.1%$20.16
3,000 at 7.11%$20.18
3,000 at 7.12%$20.20
3,000 at 7.13%$20.22
3,000 at 7.14%$20.24
3,000 at 7.15%$20.26
3,000 at 7.16%$20.28
3,000 at 7.17%$20.30
3,000 at 7.18%$20.32
3,000 at 7.19%$20.34
3,000 at 7.2%$20.36
3,000 at 7.21%$20.38
3,000 at 7.22%$20.40
3,000 at 7.23%$20.42
3,000 at 7.24%$20.44
3,000 at 7.25%$20.47
3,000 at 7.26%$20.49
3,000 at 7.27%$20.51
3,000 at 7.28%$20.53
3,000 at 7.29%$20.55
3,000 at 7.3%$20.57
3,000 at 7.31%$20.59
3,000 at 7.32%$20.61
3,000 at 7.33%$20.63
3,000 at 7.34%$20.65
3,000 at 7.35%$20.67
3,000 at 7.36%$20.69
3,000 at 7.37%$20.71
3,000 at 7.38%$20.73
3,000 at 7.39%$20.75
3,000 at 7.4%$20.77
3,000 at 7.41%$20.79
3,000 at 7.42%$20.81
3,000 at 7.43%$20.83
3,000 at 7.44%$20.85
3,000 at 7.45%$20.87
3,000 at 7.46%$20.89
3,000 at 7.47%$20.91
3,000 at 7.48%$20.94
3,000 at 7.49%$20.96
3,000 at 7.5%$20.98
3,000 at 7.51%$21.00
3,000 at 7.52%$21.02
3,000 at 7.53%$21.04
3,000 at 7.54%$21.06
3,000 at 7.55%$21.08
3,000 at 7.56%$21.10
3,000 at 7.57%$21.12
3,000 at 7.58%$21.14
3,000 at 7.59%$21.16
3,000 at 7.6%$21.18
3,000 at 7.61%$21.20
3,000 at 7.62%$21.22
3,000 at 7.63%$21.24
3,000 at 7.64%$21.26
3,000 at 7.65%$21.29
3,000 at 7.66%$21.31
3,000 at 7.67%$21.33
3,000 at 7.68%$21.35
3,000 at 7.69%$21.37
3,000 at 7.7%$21.39
3,000 at 7.71%$21.41
3,000 at 7.72%$21.43
3,000 at 7.73%$21.45
3,000 at 7.74%$21.47
3,000 at 7.75%$21.49
3,000 at 7.76%$21.51
3,000 at 7.77%$21.53
3,000 at 7.78%$21.55
3,000 at 7.79%$21.58
3,000 at 7.8%$21.60
3,000 at 7.81%$21.62
3,000 at 7.82%$21.64
3,000 at 7.83%$21.66
3,000 at 7.84%$21.68
3,000 at 7.85%$21.70
3,000 at 7.86%$21.72
3,000 at 7.87%$21.74
3,000 at 7.88%$21.76
3,000 at 7.89%$21.78
3,000 at 7.9%$21.80
3,000 at 7.91%$21.83
3,000 at 7.92%$21.85
3,000 at 7.93%$21.87
3,000 at 7.94%$21.89
3,000 at 7.95%$21.91
3,000 at 7.96%$21.93
3,000 at 7.97%$21.95
3,000 at 7.98%$21.97
3,000 at 7.99%$21.99
3,000 at 8%$22.01
More Amounts
3,050
3,100
3,150
3,200
3,250
3,300
3,350
3,400
3,450
3,500
3,550
3,600
3,650
3,700
3,750
3,800
3,850
3,900
3,950
4,000
What is the down payment for a $3,000 house? How much do you need to put down?
Percent Down Down Payment
1%30
2%60
3%90
4%120
5%150
6%180
7%210
8%240
9%270
10%300
11%330
12%360
13%390
14%420
15%450
16%480
17%510
18%540
19%570
20%600
Percent Down Down Payment
21%630
22%660
23%690
24%720
25%750
26%780
27%810
28%840
29%870
30%900
31%930
32%960
33%990
34%1,020
35%1,050
36%1,080
37%1,110
38%1,140
39%1,170
40%1,200
Percent Down Down Payment
41%1,230
42%1,260
43%1,290
44%1,320
45%1,350
46%1,380
47%1,410
48%1,440
49%1,470
50%1,500
51%1,530
52%1,560
53%1,590
54%1,620
55%1,650
56%1,680
57%1,710
58%1,740
59%1,770
60%1,800
Percent Down Down Payment
61%1,830
62%1,860
63%1,890
64%1,920
65%1,950
66%1,980
67%2,010
68%2,040
69%2,070
70%2,100
71%2,130
72%2,160
73%2,190
74%2,220
75%2,250
76%2,280
77%2,310
78%2,340
79%2,370
80%2,400
Percent Down Down Payment
81%2,430
82%2,460
83%2,490
84%2,520
85%2,550
86%2,580
87%2,610
88%2,640
89%2,670
90%2,700
91%2,730
92%2,760
93%2,790
94%2,820
95%2,850
96%2,880
97%2,910
98%2,940
99%2,970
100%3,000
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.