$92,200 Mortgage for 30 Years

What is the monthly payment of a 92,200 dollar loan?
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Loan Tables for a $92,200 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 92k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $92,200 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
92,200 at 2.01%$341.25
92,200 at 2.02%$341.71
92,200 at 2.03%$342.17
92,200 at 2.04%$342.64
92,200 at 2.05%$343.10
92,200 at 2.06%$343.56
92,200 at 2.07%$344.03
92,200 at 2.08%$344.49
92,200 at 2.09%$344.95
92,200 at 2.1%$345.42
92,200 at 2.11%$345.88
92,200 at 2.12%$346.35
92,200 at 2.13%$346.81
92,200 at 2.14%$347.28
92,200 at 2.15%$347.75
92,200 at 2.16%$348.21
92,200 at 2.17%$348.68
92,200 at 2.18%$349.15
92,200 at 2.19%$349.62
92,200 at 2.2%$350.08
92,200 at 2.21%$350.55
92,200 at 2.22%$351.02
92,200 at 2.23%$351.49
92,200 at 2.24%$351.96
92,200 at 2.25%$352.43
92,200 at 2.26%$352.90
92,200 at 2.27%$353.37
92,200 at 2.28%$353.84
92,200 at 2.29%$354.31
92,200 at 2.3%$354.79
92,200 at 2.31%$355.26
92,200 at 2.32%$355.73
92,200 at 2.33%$356.20
92,200 at 2.34%$356.68
92,200 at 2.35%$357.15
92,200 at 2.36%$357.63
92,200 at 2.37%$358.10
92,200 at 2.38%$358.58
92,200 at 2.39%$359.05
92,200 at 2.4%$359.53
92,200 at 2.41%$360.00
92,200 at 2.42%$360.48
92,200 at 2.43%$360.95
92,200 at 2.44%$361.43
92,200 at 2.45%$361.91
92,200 at 2.46%$362.39
92,200 at 2.47%$362.86
92,200 at 2.48%$363.34
92,200 at 2.49%$363.82
92,200 at 2.5%$364.30
92,200 at 2.51%$364.78
92,200 at 2.52%$365.26
92,200 at 2.53%$365.74
92,200 at 2.54%$366.22
92,200 at 2.55%$366.70
92,200 at 2.56%$367.18
92,200 at 2.57%$367.67
92,200 at 2.58%$368.15
92,200 at 2.59%$368.63
92,200 at 2.6%$369.11
92,200 at 2.61%$369.60
92,200 at 2.62%$370.08
92,200 at 2.63%$370.56
92,200 at 2.64%$371.05
92,200 at 2.65%$371.53
92,200 at 2.66%$372.02
92,200 at 2.67%$372.50
92,200 at 2.68%$372.99
92,200 at 2.69%$373.47
92,200 at 2.7%$373.96
92,200 at 2.71%$374.45
92,200 at 2.72%$374.93
92,200 at 2.73%$375.42
92,200 at 2.74%$375.91
92,200 at 2.75%$376.40
92,200 at 2.76%$376.89
92,200 at 2.77%$377.38
92,200 at 2.78%$377.87
92,200 at 2.79%$378.35
92,200 at 2.8%$378.84
92,200 at 2.81%$379.34
92,200 at 2.82%$379.83
92,200 at 2.83%$380.32
92,200 at 2.84%$380.81
92,200 at 2.85%$381.30
92,200 at 2.86%$381.79
92,200 at 2.87%$382.28
92,200 at 2.88%$382.78
92,200 at 2.89%$383.27
92,200 at 2.9%$383.76
92,200 at 2.91%$384.26
92,200 at 2.92%$384.75
92,200 at 2.93%$385.25
92,200 at 2.94%$385.74
92,200 at 2.95%$386.24
92,200 at 2.96%$386.73
92,200 at 2.97%$387.23
92,200 at 2.98%$387.73
92,200 at 2.99%$388.22
92,200 at 3%$388.72
92,200 at 3.01%$389.22
92,200 at 3.02%$389.71
92,200 at 3.03%$390.21
92,200 at 3.04%$390.71
92,200 at 3.05%$391.21
92,200 at 3.06%$391.71
92,200 at 3.07%$392.21
92,200 at 3.08%$392.71
92,200 at 3.09%$393.21
92,200 at 3.1%$393.71
92,200 at 3.11%$394.21
92,200 at 3.12%$394.71
92,200 at 3.13%$395.21
92,200 at 3.14%$395.72
92,200 at 3.15%$396.22
92,200 at 3.16%$396.72
92,200 at 3.17%$397.22
92,200 at 3.18%$397.73
92,200 at 3.19%$398.23
92,200 at 3.2%$398.73
92,200 at 3.21%$399.24
92,200 at 3.22%$399.74
92,200 at 3.23%$400.25
92,200 at 3.24%$400.75
92,200 at 3.25%$401.26
92,200 at 3.26%$401.77
92,200 at 3.27%$402.27
92,200 at 3.28%$402.78
92,200 at 3.29%$403.29
92,200 at 3.3%$403.79
92,200 at 3.31%$404.30
92,200 at 3.32%$404.81
92,200 at 3.33%$405.32
92,200 at 3.34%$405.83
92,200 at 3.35%$406.34
92,200 at 3.36%$406.85
92,200 at 3.37%$407.36
92,200 at 3.38%$407.87
92,200 at 3.39%$408.38
92,200 at 3.4%$408.89
92,200 at 3.41%$409.40
92,200 at 3.42%$409.91
92,200 at 3.43%$410.42
92,200 at 3.44%$410.94
92,200 at 3.45%$411.45
92,200 at 3.46%$411.96
92,200 at 3.47%$412.48
92,200 at 3.48%$412.99
92,200 at 3.49%$413.50
92,200 at 3.5%$414.02
Interest Rate 30 Year
92,200 at 3.51%$414.53
92,200 at 3.52%$415.05
92,200 at 3.53%$415.56
92,200 at 3.54%$416.08
92,200 at 3.55%$416.60
92,200 at 3.56%$417.11
92,200 at 3.57%$417.63
92,200 at 3.58%$418.15
92,200 at 3.59%$418.67
92,200 at 3.6%$419.18
92,200 at 3.61%$419.70
92,200 at 3.62%$420.22
92,200 at 3.63%$420.74
92,200 at 3.64%$421.26
92,200 at 3.65%$421.78
92,200 at 3.66%$422.30
92,200 at 3.67%$422.82
92,200 at 3.68%$423.34
92,200 at 3.69%$423.86
92,200 at 3.7%$424.38
92,200 at 3.71%$424.90
92,200 at 3.72%$425.42
92,200 at 3.73%$425.95
92,200 at 3.74%$426.47
92,200 at 3.75%$426.99
92,200 at 3.76%$427.52
92,200 at 3.77%$428.04
92,200 at 3.78%$428.56
92,200 at 3.79%$429.09
92,200 at 3.8%$429.61
92,200 at 3.81%$430.14
92,200 at 3.82%$430.66
92,200 at 3.83%$431.19
92,200 at 3.84%$431.71
92,200 at 3.85%$432.24
92,200 at 3.86%$432.77
92,200 at 3.87%$433.29
92,200 at 3.88%$433.82
92,200 at 3.89%$434.35
92,200 at 3.9%$434.88
92,200 at 3.91%$435.41
92,200 at 3.92%$435.94
92,200 at 3.93%$436.46
92,200 at 3.94%$436.99
92,200 at 3.95%$437.52
92,200 at 3.96%$438.05
92,200 at 3.97%$438.58
92,200 at 3.98%$439.11
92,200 at 3.99%$439.65
92,200 at 4%$440.18
92,200 at 4.01%$440.71
92,200 at 4.02%$441.24
92,200 at 4.03%$441.77
92,200 at 4.04%$442.31
92,200 at 4.05%$442.84
92,200 at 4.06%$443.37
92,200 at 4.07%$443.91
92,200 at 4.08%$444.44
92,200 at 4.09%$444.97
92,200 at 4.1%$445.51
92,200 at 4.11%$446.04
92,200 at 4.12%$446.58
92,200 at 4.13%$447.11
92,200 at 4.14%$447.65
92,200 at 4.15%$448.19
92,200 at 4.16%$448.72
92,200 at 4.17%$449.26
92,200 at 4.18%$449.80
92,200 at 4.19%$450.34
92,200 at 4.2%$450.87
92,200 at 4.21%$451.41
92,200 at 4.22%$451.95
92,200 at 4.23%$452.49
92,200 at 4.24%$453.03
92,200 at 4.25%$453.57
92,200 at 4.26%$454.11
92,200 at 4.27%$454.65
92,200 at 4.28%$455.19
92,200 at 4.29%$455.73
92,200 at 4.3%$456.27
92,200 at 4.31%$456.81
92,200 at 4.32%$457.35
92,200 at 4.33%$457.90
92,200 at 4.34%$458.44
92,200 at 4.35%$458.98
92,200 at 4.36%$459.53
92,200 at 4.37%$460.07
92,200 at 4.38%$460.61
92,200 at 4.39%$461.16
92,200 at 4.4%$461.70
92,200 at 4.41%$462.25
92,200 at 4.42%$462.79
92,200 at 4.43%$463.34
92,200 at 4.44%$463.88
92,200 at 4.45%$464.43
92,200 at 4.46%$464.98
92,200 at 4.47%$465.52
92,200 at 4.48%$466.07
92,200 at 4.49%$466.62
92,200 at 4.5%$467.16
92,200 at 4.51%$467.71
92,200 at 4.52%$468.26
92,200 at 4.53%$468.81
92,200 at 4.54%$469.36
92,200 at 4.55%$469.91
92,200 at 4.56%$470.46
92,200 at 4.57%$471.01
92,200 at 4.58%$471.56
92,200 at 4.59%$472.11
92,200 at 4.6%$472.66
92,200 at 4.61%$473.21
92,200 at 4.62%$473.76
92,200 at 4.63%$474.31
92,200 at 4.64%$474.86
92,200 at 4.65%$475.42
92,200 at 4.66%$475.97
92,200 at 4.67%$476.52
92,200 at 4.68%$477.08
92,200 at 4.69%$477.63
92,200 at 4.7%$478.18
92,200 at 4.71%$478.74
92,200 at 4.72%$479.29
92,200 at 4.73%$479.85
92,200 at 4.74%$480.40
92,200 at 4.75%$480.96
92,200 at 4.76%$481.51
92,200 at 4.77%$482.07
92,200 at 4.78%$482.63
92,200 at 4.79%$483.18
92,200 at 4.8%$483.74
92,200 at 4.81%$484.30
92,200 at 4.82%$484.86
92,200 at 4.83%$485.41
92,200 at 4.84%$485.97
92,200 at 4.85%$486.53
92,200 at 4.86%$487.09
92,200 at 4.87%$487.65
92,200 at 4.88%$488.21
92,200 at 4.89%$488.77
92,200 at 4.9%$489.33
92,200 at 4.91%$489.89
92,200 at 4.92%$490.45
92,200 at 4.93%$491.01
92,200 at 4.94%$491.57
92,200 at 4.95%$492.14
92,200 at 4.96%$492.70
92,200 at 4.97%$493.26
92,200 at 4.98%$493.82
92,200 at 4.99%$494.39
92,200 at 5%$494.95
Interest Rate 30 Year
92,200 at 5.01%$495.51
92,200 at 5.02%$496.08
92,200 at 5.03%$496.64
92,200 at 5.04%$497.21
92,200 at 5.05%$497.77
92,200 at 5.06%$498.34
92,200 at 5.07%$498.90
92,200 at 5.08%$499.47
92,200 at 5.09%$500.03
92,200 at 5.1%$500.60
92,200 at 5.11%$501.17
92,200 at 5.12%$501.73
92,200 at 5.13%$502.30
92,200 at 5.14%$502.87
92,200 at 5.15%$503.44
92,200 at 5.16%$504.00
92,200 at 5.17%$504.57
92,200 at 5.18%$505.14
92,200 at 5.19%$505.71
92,200 at 5.2%$506.28
92,200 at 5.21%$506.85
92,200 at 5.22%$507.42
92,200 at 5.23%$507.99
92,200 at 5.24%$508.56
92,200 at 5.25%$509.13
92,200 at 5.26%$509.70
92,200 at 5.27%$510.27
92,200 at 5.28%$510.85
92,200 at 5.29%$511.42
92,200 at 5.3%$511.99
92,200 at 5.31%$512.56
92,200 at 5.32%$513.14
92,200 at 5.33%$513.71
92,200 at 5.34%$514.28
92,200 at 5.35%$514.86
92,200 at 5.36%$515.43
92,200 at 5.37%$516.01
92,200 at 5.38%$516.58
92,200 at 5.39%$517.16
92,200 at 5.4%$517.73
92,200 at 5.41%$518.31
92,200 at 5.42%$518.88
92,200 at 5.43%$519.46
92,200 at 5.44%$520.04
92,200 at 5.45%$520.61
92,200 at 5.46%$521.19
92,200 at 5.47%$521.77
92,200 at 5.48%$522.35
92,200 at 5.49%$522.92
92,200 at 5.5%$523.50
92,200 at 5.51%$524.08
92,200 at 5.52%$524.66
92,200 at 5.53%$525.24
92,200 at 5.54%$525.82
92,200 at 5.55%$526.40
92,200 at 5.56%$526.98
92,200 at 5.57%$527.56
92,200 at 5.58%$528.14
92,200 at 5.59%$528.72
92,200 at 5.6%$529.30
92,200 at 5.61%$529.88
92,200 at 5.62%$530.46
92,200 at 5.63%$531.05
92,200 at 5.64%$531.63
92,200 at 5.65%$532.21
92,200 at 5.66%$532.79
92,200 at 5.67%$533.38
92,200 at 5.68%$533.96
92,200 at 5.69%$534.55
92,200 at 5.7%$535.13
92,200 at 5.71%$535.71
92,200 at 5.72%$536.30
92,200 at 5.73%$536.88
92,200 at 5.74%$537.47
92,200 at 5.75%$538.05
92,200 at 5.76%$538.64
92,200 at 5.77%$539.23
92,200 at 5.78%$539.81
92,200 at 5.79%$540.40
92,200 at 5.8%$540.99
92,200 at 5.81%$541.57
92,200 at 5.82%$542.16
92,200 at 5.83%$542.75
92,200 at 5.84%$543.34
92,200 at 5.85%$543.93
92,200 at 5.86%$544.51
92,200 at 5.87%$545.10
92,200 at 5.88%$545.69
92,200 at 5.89%$546.28
92,200 at 5.9%$546.87
92,200 at 5.91%$547.46
92,200 at 5.92%$548.05
92,200 at 5.93%$548.64
92,200 at 5.94%$549.23
92,200 at 5.95%$549.83
92,200 at 5.96%$550.42
92,200 at 5.97%$551.01
92,200 at 5.98%$551.60
92,200 at 5.99%$552.19
92,200 at 6%$552.79
92,200 at 6.01%$553.38
92,200 at 6.02%$553.97
92,200 at 6.03%$554.57
92,200 at 6.04%$555.16
92,200 at 6.05%$555.75
92,200 at 6.06%$556.35
92,200 at 6.07%$556.94
92,200 at 6.08%$557.54
92,200 at 6.09%$558.13
92,200 at 6.1%$558.73
92,200 at 6.11%$559.32
92,200 at 6.12%$559.92
92,200 at 6.13%$560.52
92,200 at 6.14%$561.11
92,200 at 6.15%$561.71
92,200 at 6.16%$562.31
92,200 at 6.17%$562.90
92,200 at 6.18%$563.50
92,200 at 6.19%$564.10
92,200 at 6.2%$564.70
92,200 at 6.21%$565.29
92,200 at 6.22%$565.89
92,200 at 6.23%$566.49
92,200 at 6.24%$567.09
92,200 at 6.25%$567.69
92,200 at 6.26%$568.29
92,200 at 6.27%$568.89
92,200 at 6.28%$569.49
92,200 at 6.29%$570.09
92,200 at 6.3%$570.69
92,200 at 6.31%$571.29
92,200 at 6.32%$571.90
92,200 at 6.33%$572.50
92,200 at 6.34%$573.10
92,200 at 6.35%$573.70
92,200 at 6.36%$574.30
92,200 at 6.37%$574.91
92,200 at 6.38%$575.51
92,200 at 6.39%$576.11
92,200 at 6.4%$576.72
92,200 at 6.41%$577.32
92,200 at 6.42%$577.92
92,200 at 6.43%$578.53
92,200 at 6.44%$579.13
92,200 at 6.45%$579.74
92,200 at 6.46%$580.34
92,200 at 6.47%$580.95
92,200 at 6.48%$581.55
92,200 at 6.49%$582.16
92,200 at 6.5%$582.77
Interest Rate 30 Year
92,200 at 6.51%$583.37
92,200 at 6.52%$583.98
92,200 at 6.53%$584.59
92,200 at 6.54%$585.19
92,200 at 6.55%$585.80
92,200 at 6.56%$586.41
92,200 at 6.57%$587.02
92,200 at 6.58%$587.63
92,200 at 6.59%$588.23
92,200 at 6.6%$588.84
92,200 at 6.61%$589.45
92,200 at 6.62%$590.06
92,200 at 6.63%$590.67
92,200 at 6.64%$591.28
92,200 at 6.65%$591.89
92,200 at 6.66%$592.50
92,200 at 6.67%$593.11
92,200 at 6.68%$593.72
92,200 at 6.69%$594.33
92,200 at 6.7%$594.95
92,200 at 6.71%$595.56
92,200 at 6.72%$596.17
92,200 at 6.73%$596.78
92,200 at 6.74%$597.39
92,200 at 6.75%$598.01
92,200 at 6.76%$598.62
92,200 at 6.77%$599.23
92,200 at 6.78%$599.85
92,200 at 6.79%$600.46
92,200 at 6.8%$601.08
92,200 at 6.81%$601.69
92,200 at 6.82%$602.30
92,200 at 6.83%$602.92
92,200 at 6.84%$603.53
92,200 at 6.85%$604.15
92,200 at 6.86%$604.76
92,200 at 6.87%$605.38
92,200 at 6.88%$606.00
92,200 at 6.89%$606.61
92,200 at 6.9%$607.23
92,200 at 6.91%$607.85
92,200 at 6.92%$608.46
92,200 at 6.93%$609.08
92,200 at 6.94%$609.70
92,200 at 6.95%$610.32
92,200 at 6.96%$610.93
92,200 at 6.97%$611.55
92,200 at 6.98%$612.17
92,200 at 6.99%$612.79
92,200 at 7%$613.41
92,200 at 7.01%$614.03
92,200 at 7.02%$614.65
92,200 at 7.03%$615.27
92,200 at 7.04%$615.89
92,200 at 7.05%$616.51
92,200 at 7.06%$617.13
92,200 at 7.07%$617.75
92,200 at 7.08%$618.37
92,200 at 7.09%$618.99
92,200 at 7.1%$619.61
92,200 at 7.11%$620.24
92,200 at 7.12%$620.86
92,200 at 7.13%$621.48
92,200 at 7.14%$622.10
92,200 at 7.15%$622.73
92,200 at 7.16%$623.35
92,200 at 7.17%$623.97
92,200 at 7.18%$624.59
92,200 at 7.19%$625.22
92,200 at 7.2%$625.84
92,200 at 7.21%$626.47
92,200 at 7.22%$627.09
92,200 at 7.23%$627.72
92,200 at 7.24%$628.34
92,200 at 7.25%$628.97
92,200 at 7.26%$629.59
92,200 at 7.27%$630.22
92,200 at 7.28%$630.84
92,200 at 7.29%$631.47
92,200 at 7.3%$632.10
92,200 at 7.31%$632.72
92,200 at 7.32%$633.35
92,200 at 7.33%$633.98
92,200 at 7.34%$634.60
92,200 at 7.35%$635.23
92,200 at 7.36%$635.86
92,200 at 7.37%$636.49
92,200 at 7.38%$637.12
92,200 at 7.39%$637.75
92,200 at 7.4%$638.37
92,200 at 7.41%$639.00
92,200 at 7.42%$639.63
92,200 at 7.43%$640.26
92,200 at 7.44%$640.89
92,200 at 7.45%$641.52
92,200 at 7.46%$642.15
92,200 at 7.47%$642.78
92,200 at 7.48%$643.41
92,200 at 7.49%$644.04
92,200 at 7.5%$644.68
92,200 at 7.51%$645.31
92,200 at 7.52%$645.94
92,200 at 7.53%$646.57
92,200 at 7.54%$647.20
92,200 at 7.55%$647.84
92,200 at 7.56%$648.47
92,200 at 7.57%$649.10
92,200 at 7.58%$649.73
92,200 at 7.59%$650.37
92,200 at 7.6%$651.00
92,200 at 7.61%$651.63
92,200 at 7.62%$652.27
92,200 at 7.63%$652.90
92,200 at 7.64%$653.54
92,200 at 7.65%$654.17
92,200 at 7.66%$654.81
92,200 at 7.67%$655.44
92,200 at 7.68%$656.08
92,200 at 7.69%$656.71
92,200 at 7.7%$657.35
92,200 at 7.71%$657.99
92,200 at 7.72%$658.62
92,200 at 7.73%$659.26
92,200 at 7.74%$659.90
92,200 at 7.75%$660.53
92,200 at 7.76%$661.17
92,200 at 7.77%$661.81
92,200 at 7.78%$662.44
92,200 at 7.79%$663.08
92,200 at 7.8%$663.72
92,200 at 7.81%$664.36
92,200 at 7.82%$665.00
92,200 at 7.83%$665.64
92,200 at 7.84%$666.28
92,200 at 7.85%$666.91
92,200 at 7.86%$667.55
92,200 at 7.87%$668.19
92,200 at 7.88%$668.83
92,200 at 7.89%$669.47
92,200 at 7.9%$670.11
92,200 at 7.91%$670.76
92,200 at 7.92%$671.40
92,200 at 7.93%$672.04
92,200 at 7.94%$672.68
92,200 at 7.95%$673.32
92,200 at 7.96%$673.96
92,200 at 7.97%$674.60
92,200 at 7.98%$675.25
92,200 at 7.99%$675.89
92,200 at 8%$676.53
More Amounts
What is the down payment for a $92,200 house? How much do you need to put down?
Percent Down Down Payment
1%922
2%1,844
3%2,766
4%3,688
5%4,610
6%5,532
7%6,454
8%7,376
9%8,298
10%9,220
11%10,142
12%11,064
13%11,986
14%12,908
15%13,830
16%14,752
17%15,674
18%16,596
19%17,518
20%18,440
Percent Down Down Payment
21%19,362
22%20,284
23%21,206
24%22,128
25%23,050
26%23,972
27%24,894
28%25,816
29%26,738
30%27,660
31%28,582
32%29,504
33%30,426
34%31,348
35%32,270
36%33,192
37%34,114
38%35,036
39%35,958
40%36,880
Percent Down Down Payment
41%37,802
42%38,724
43%39,646
44%40,568
45%41,490
46%42,412
47%43,334
48%44,256
49%45,178
50%46,100
51%47,022
52%47,944
53%48,866
54%49,788
55%50,710
56%51,632
57%52,554
58%53,476
59%54,398
60%55,320
Percent Down Down Payment
61%56,242
62%57,164
63%58,086
64%59,008
65%59,930
66%60,852
67%61,774
68%62,696
69%63,618
70%64,540
71%65,462
72%66,384
73%67,306
74%68,228
75%69,150
76%70,072
77%70,994
78%71,916
79%72,838
80%73,760
Percent Down Down Payment
81%74,682
82%75,604
83%76,526
84%77,448
85%78,370
86%79,292
87%80,214
88%81,136
89%82,058
90%82,980
91%83,902
92%84,824
93%85,746
94%86,668
95%87,590
96%88,512
97%89,434
98%90,356
99%91,278
100%92,200
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.