$92,450 Mortgage for 30 Years

What is the monthly payment of a 92,450 dollar loan?
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Loan Tables for a $92,450 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 $92,450 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
92,450 at 2.01%$342.18
92,450 at 2.02%$342.64
92,450 at 2.03%$343.10
92,450 at 2.04%$343.57
92,450 at 2.05%$344.03
92,450 at 2.06%$344.49
92,450 at 2.07%$344.96
92,450 at 2.08%$345.42
92,450 at 2.09%$345.89
92,450 at 2.1%$346.35
92,450 at 2.11%$346.82
92,450 at 2.12%$347.29
92,450 at 2.13%$347.75
92,450 at 2.14%$348.22
92,450 at 2.15%$348.69
92,450 at 2.16%$349.16
92,450 at 2.17%$349.63
92,450 at 2.18%$350.09
92,450 at 2.19%$350.56
92,450 at 2.2%$351.03
92,450 at 2.21%$351.50
92,450 at 2.22%$351.97
92,450 at 2.23%$352.44
92,450 at 2.24%$352.92
92,450 at 2.25%$353.39
92,450 at 2.26%$353.86
92,450 at 2.27%$354.33
92,450 at 2.28%$354.80
92,450 at 2.29%$355.28
92,450 at 2.3%$355.75
92,450 at 2.31%$356.22
92,450 at 2.32%$356.70
92,450 at 2.33%$357.17
92,450 at 2.34%$357.65
92,450 at 2.35%$358.12
92,450 at 2.36%$358.60
92,450 at 2.37%$359.07
92,450 at 2.38%$359.55
92,450 at 2.39%$360.02
92,450 at 2.4%$360.50
92,450 at 2.41%$360.98
92,450 at 2.42%$361.46
92,450 at 2.43%$361.93
92,450 at 2.44%$362.41
92,450 at 2.45%$362.89
92,450 at 2.46%$363.37
92,450 at 2.47%$363.85
92,450 at 2.48%$364.33
92,450 at 2.49%$364.81
92,450 at 2.5%$365.29
92,450 at 2.51%$365.77
92,450 at 2.52%$366.25
92,450 at 2.53%$366.73
92,450 at 2.54%$367.21
92,450 at 2.55%$367.70
92,450 at 2.56%$368.18
92,450 at 2.57%$368.66
92,450 at 2.58%$369.15
92,450 at 2.59%$369.63
92,450 at 2.6%$370.11
92,450 at 2.61%$370.60
92,450 at 2.62%$371.08
92,450 at 2.63%$371.57
92,450 at 2.64%$372.05
92,450 at 2.65%$372.54
92,450 at 2.66%$373.03
92,450 at 2.67%$373.51
92,450 at 2.68%$374.00
92,450 at 2.69%$374.49
92,450 at 2.7%$374.98
92,450 at 2.71%$375.46
92,450 at 2.72%$375.95
92,450 at 2.73%$376.44
92,450 at 2.74%$376.93
92,450 at 2.75%$377.42
92,450 at 2.76%$377.91
92,450 at 2.77%$378.40
92,450 at 2.78%$378.89
92,450 at 2.79%$379.38
92,450 at 2.8%$379.87
92,450 at 2.81%$380.36
92,450 at 2.82%$380.86
92,450 at 2.83%$381.35
92,450 at 2.84%$381.84
92,450 at 2.85%$382.33
92,450 at 2.86%$382.83
92,450 at 2.87%$383.32
92,450 at 2.88%$383.82
92,450 at 2.89%$384.31
92,450 at 2.9%$384.80
92,450 at 2.91%$385.30
92,450 at 2.92%$385.80
92,450 at 2.93%$386.29
92,450 at 2.94%$386.79
92,450 at 2.95%$387.28
92,450 at 2.96%$387.78
92,450 at 2.97%$388.28
92,450 at 2.98%$388.78
92,450 at 2.99%$389.27
92,450 at 3%$389.77
92,450 at 3.01%$390.27
92,450 at 3.02%$390.77
92,450 at 3.03%$391.27
92,450 at 3.04%$391.77
92,450 at 3.05%$392.27
92,450 at 3.06%$392.77
92,450 at 3.07%$393.27
92,450 at 3.08%$393.77
92,450 at 3.09%$394.27
92,450 at 3.1%$394.78
92,450 at 3.11%$395.28
92,450 at 3.12%$395.78
92,450 at 3.13%$396.28
92,450 at 3.14%$396.79
92,450 at 3.15%$397.29
92,450 at 3.16%$397.80
92,450 at 3.17%$398.30
92,450 at 3.18%$398.81
92,450 at 3.19%$399.31
92,450 at 3.2%$399.82
92,450 at 3.21%$400.32
92,450 at 3.22%$400.83
92,450 at 3.23%$401.33
92,450 at 3.24%$401.84
92,450 at 3.25%$402.35
92,450 at 3.26%$402.86
92,450 at 3.27%$403.36
92,450 at 3.28%$403.87
92,450 at 3.29%$404.38
92,450 at 3.3%$404.89
92,450 at 3.31%$405.40
92,450 at 3.32%$405.91
92,450 at 3.33%$406.42
92,450 at 3.34%$406.93
92,450 at 3.35%$407.44
92,450 at 3.36%$407.95
92,450 at 3.37%$408.46
92,450 at 3.38%$408.97
92,450 at 3.39%$409.49
92,450 at 3.4%$410.00
92,450 at 3.41%$410.51
92,450 at 3.42%$411.02
92,450 at 3.43%$411.54
92,450 at 3.44%$412.05
92,450 at 3.45%$412.57
92,450 at 3.46%$413.08
92,450 at 3.47%$413.60
92,450 at 3.48%$414.11
92,450 at 3.49%$414.63
92,450 at 3.5%$415.14
Interest Rate 30 Year
92,450 at 3.51%$415.66
92,450 at 3.52%$416.17
92,450 at 3.53%$416.69
92,450 at 3.54%$417.21
92,450 at 3.55%$417.73
92,450 at 3.56%$418.24
92,450 at 3.57%$418.76
92,450 at 3.58%$419.28
92,450 at 3.59%$419.80
92,450 at 3.6%$420.32
92,450 at 3.61%$420.84
92,450 at 3.62%$421.36
92,450 at 3.63%$421.88
92,450 at 3.64%$422.40
92,450 at 3.65%$422.92
92,450 at 3.66%$423.44
92,450 at 3.67%$423.96
92,450 at 3.68%$424.49
92,450 at 3.69%$425.01
92,450 at 3.7%$425.53
92,450 at 3.71%$426.05
92,450 at 3.72%$426.58
92,450 at 3.73%$427.10
92,450 at 3.74%$427.63
92,450 at 3.75%$428.15
92,450 at 3.76%$428.68
92,450 at 3.77%$429.20
92,450 at 3.78%$429.73
92,450 at 3.79%$430.25
92,450 at 3.8%$430.78
92,450 at 3.81%$431.30
92,450 at 3.82%$431.83
92,450 at 3.83%$432.36
92,450 at 3.84%$432.89
92,450 at 3.85%$433.41
92,450 at 3.86%$433.94
92,450 at 3.87%$434.47
92,450 at 3.88%$435.00
92,450 at 3.89%$435.53
92,450 at 3.9%$436.06
92,450 at 3.91%$436.59
92,450 at 3.92%$437.12
92,450 at 3.93%$437.65
92,450 at 3.94%$438.18
92,450 at 3.95%$438.71
92,450 at 3.96%$439.24
92,450 at 3.97%$439.77
92,450 at 3.98%$440.31
92,450 at 3.99%$440.84
92,450 at 4%$441.37
92,450 at 4.01%$441.90
92,450 at 4.02%$442.44
92,450 at 4.03%$442.97
92,450 at 4.04%$443.51
92,450 at 4.05%$444.04
92,450 at 4.06%$444.57
92,450 at 4.07%$445.11
92,450 at 4.08%$445.64
92,450 at 4.09%$446.18
92,450 at 4.1%$446.72
92,450 at 4.11%$447.25
92,450 at 4.12%$447.79
92,450 at 4.13%$448.33
92,450 at 4.14%$448.86
92,450 at 4.15%$449.40
92,450 at 4.16%$449.94
92,450 at 4.17%$450.48
92,450 at 4.18%$451.02
92,450 at 4.19%$451.56
92,450 at 4.2%$452.10
92,450 at 4.21%$452.64
92,450 at 4.22%$453.18
92,450 at 4.23%$453.72
92,450 at 4.24%$454.26
92,450 at 4.25%$454.80
92,450 at 4.26%$455.34
92,450 at 4.27%$455.88
92,450 at 4.28%$456.42
92,450 at 4.29%$456.97
92,450 at 4.3%$457.51
92,450 at 4.31%$458.05
92,450 at 4.32%$458.60
92,450 at 4.33%$459.14
92,450 at 4.34%$459.68
92,450 at 4.35%$460.23
92,450 at 4.36%$460.77
92,450 at 4.37%$461.32
92,450 at 4.38%$461.86
92,450 at 4.39%$462.41
92,450 at 4.4%$462.95
92,450 at 4.41%$463.50
92,450 at 4.42%$464.05
92,450 at 4.43%$464.59
92,450 at 4.44%$465.14
92,450 at 4.45%$465.69
92,450 at 4.46%$466.24
92,450 at 4.47%$466.78
92,450 at 4.48%$467.33
92,450 at 4.49%$467.88
92,450 at 4.5%$468.43
92,450 at 4.51%$468.98
92,450 at 4.52%$469.53
92,450 at 4.53%$470.08
92,450 at 4.54%$470.63
92,450 at 4.55%$471.18
92,450 at 4.56%$471.73
92,450 at 4.57%$472.28
92,450 at 4.58%$472.84
92,450 at 4.59%$473.39
92,450 at 4.6%$473.94
92,450 at 4.61%$474.49
92,450 at 4.62%$475.05
92,450 at 4.63%$475.60
92,450 at 4.64%$476.15
92,450 at 4.65%$476.71
92,450 at 4.66%$477.26
92,450 at 4.67%$477.82
92,450 at 4.68%$478.37
92,450 at 4.69%$478.93
92,450 at 4.7%$479.48
92,450 at 4.71%$480.04
92,450 at 4.72%$480.59
92,450 at 4.73%$481.15
92,450 at 4.74%$481.71
92,450 at 4.75%$482.26
92,450 at 4.76%$482.82
92,450 at 4.77%$483.38
92,450 at 4.78%$483.94
92,450 at 4.79%$484.49
92,450 at 4.8%$485.05
92,450 at 4.81%$485.61
92,450 at 4.82%$486.17
92,450 at 4.83%$486.73
92,450 at 4.84%$487.29
92,450 at 4.85%$487.85
92,450 at 4.86%$488.41
92,450 at 4.87%$488.97
92,450 at 4.88%$489.53
92,450 at 4.89%$490.10
92,450 at 4.9%$490.66
92,450 at 4.91%$491.22
92,450 at 4.92%$491.78
92,450 at 4.93%$492.34
92,450 at 4.94%$492.91
92,450 at 4.95%$493.47
92,450 at 4.96%$494.03
92,450 at 4.97%$494.60
92,450 at 4.98%$495.16
92,450 at 4.99%$495.73
92,450 at 5%$496.29
Interest Rate 30 Year
92,450 at 5.01%$496.86
92,450 at 5.02%$497.42
92,450 at 5.03%$497.99
92,450 at 5.04%$498.55
92,450 at 5.05%$499.12
92,450 at 5.06%$499.69
92,450 at 5.07%$500.25
92,450 at 5.08%$500.82
92,450 at 5.09%$501.39
92,450 at 5.1%$501.96
92,450 at 5.11%$502.53
92,450 at 5.12%$503.09
92,450 at 5.13%$503.66
92,450 at 5.14%$504.23
92,450 at 5.15%$504.80
92,450 at 5.16%$505.37
92,450 at 5.17%$505.94
92,450 at 5.18%$506.51
92,450 at 5.19%$507.08
92,450 at 5.2%$507.65
92,450 at 5.21%$508.22
92,450 at 5.22%$508.80
92,450 at 5.23%$509.37
92,450 at 5.24%$509.94
92,450 at 5.25%$510.51
92,450 at 5.26%$511.09
92,450 at 5.27%$511.66
92,450 at 5.28%$512.23
92,450 at 5.29%$512.81
92,450 at 5.3%$513.38
92,450 at 5.31%$513.95
92,450 at 5.32%$514.53
92,450 at 5.33%$515.10
92,450 at 5.34%$515.68
92,450 at 5.35%$516.25
92,450 at 5.36%$516.83
92,450 at 5.37%$517.41
92,450 at 5.38%$517.98
92,450 at 5.39%$518.56
92,450 at 5.4%$519.14
92,450 at 5.41%$519.71
92,450 at 5.42%$520.29
92,450 at 5.43%$520.87
92,450 at 5.44%$521.45
92,450 at 5.45%$522.02
92,450 at 5.46%$522.60
92,450 at 5.47%$523.18
92,450 at 5.48%$523.76
92,450 at 5.49%$524.34
92,450 at 5.5%$524.92
92,450 at 5.51%$525.50
92,450 at 5.52%$526.08
92,450 at 5.53%$526.66
92,450 at 5.54%$527.24
92,450 at 5.55%$527.82
92,450 at 5.56%$528.41
92,450 at 5.57%$528.99
92,450 at 5.58%$529.57
92,450 at 5.59%$530.15
92,450 at 5.6%$530.74
92,450 at 5.61%$531.32
92,450 at 5.62%$531.90
92,450 at 5.63%$532.49
92,450 at 5.64%$533.07
92,450 at 5.65%$533.65
92,450 at 5.66%$534.24
92,450 at 5.67%$534.82
92,450 at 5.68%$535.41
92,450 at 5.69%$535.99
92,450 at 5.7%$536.58
92,450 at 5.71%$537.17
92,450 at 5.72%$537.75
92,450 at 5.73%$538.34
92,450 at 5.74%$538.93
92,450 at 5.75%$539.51
92,450 at 5.76%$540.10
92,450 at 5.77%$540.69
92,450 at 5.78%$541.28
92,450 at 5.79%$541.86
92,450 at 5.8%$542.45
92,450 at 5.81%$543.04
92,450 at 5.82%$543.63
92,450 at 5.83%$544.22
92,450 at 5.84%$544.81
92,450 at 5.85%$545.40
92,450 at 5.86%$545.99
92,450 at 5.87%$546.58
92,450 at 5.88%$547.17
92,450 at 5.89%$547.76
92,450 at 5.9%$548.35
92,450 at 5.91%$548.95
92,450 at 5.92%$549.54
92,450 at 5.93%$550.13
92,450 at 5.94%$550.72
92,450 at 5.95%$551.32
92,450 at 5.96%$551.91
92,450 at 5.97%$552.50
92,450 at 5.98%$553.10
92,450 at 5.99%$553.69
92,450 at 6%$554.28
92,450 at 6.01%$554.88
92,450 at 6.02%$555.47
92,450 at 6.03%$556.07
92,450 at 6.04%$556.66
92,450 at 6.05%$557.26
92,450 at 6.06%$557.86
92,450 at 6.07%$558.45
92,450 at 6.08%$559.05
92,450 at 6.09%$559.65
92,450 at 6.1%$560.24
92,450 at 6.11%$560.84
92,450 at 6.12%$561.44
92,450 at 6.13%$562.03
92,450 at 6.14%$562.63
92,450 at 6.15%$563.23
92,450 at 6.16%$563.83
92,450 at 6.17%$564.43
92,450 at 6.18%$565.03
92,450 at 6.19%$565.63
92,450 at 6.2%$566.23
92,450 at 6.21%$566.83
92,450 at 6.22%$567.43
92,450 at 6.23%$568.03
92,450 at 6.24%$568.63
92,450 at 6.25%$569.23
92,450 at 6.26%$569.83
92,450 at 6.27%$570.43
92,450 at 6.28%$571.04
92,450 at 6.29%$571.64
92,450 at 6.3%$572.24
92,450 at 6.31%$572.84
92,450 at 6.32%$573.45
92,450 at 6.33%$574.05
92,450 at 6.34%$574.65
92,450 at 6.35%$575.26
92,450 at 6.36%$575.86
92,450 at 6.37%$576.47
92,450 at 6.38%$577.07
92,450 at 6.39%$577.68
92,450 at 6.4%$578.28
92,450 at 6.41%$578.89
92,450 at 6.42%$579.49
92,450 at 6.43%$580.10
92,450 at 6.44%$580.70
92,450 at 6.45%$581.31
92,450 at 6.46%$581.92
92,450 at 6.47%$582.52
92,450 at 6.48%$583.13
92,450 at 6.49%$583.74
92,450 at 6.5%$584.35
Interest Rate 30 Year
92,450 at 6.51%$584.96
92,450 at 6.52%$585.56
92,450 at 6.53%$586.17
92,450 at 6.54%$586.78
92,450 at 6.55%$587.39
92,450 at 6.56%$588.00
92,450 at 6.57%$588.61
92,450 at 6.58%$589.22
92,450 at 6.59%$589.83
92,450 at 6.6%$590.44
92,450 at 6.61%$591.05
92,450 at 6.62%$591.66
92,450 at 6.63%$592.27
92,450 at 6.64%$592.88
92,450 at 6.65%$593.50
92,450 at 6.66%$594.11
92,450 at 6.67%$594.72
92,450 at 6.68%$595.33
92,450 at 6.69%$595.95
92,450 at 6.7%$596.56
92,450 at 6.71%$597.17
92,450 at 6.72%$597.79
92,450 at 6.73%$598.40
92,450 at 6.74%$599.01
92,450 at 6.75%$599.63
92,450 at 6.76%$600.24
92,450 at 6.77%$600.86
92,450 at 6.78%$601.47
92,450 at 6.79%$602.09
92,450 at 6.8%$602.70
92,450 at 6.81%$603.32
92,450 at 6.82%$603.94
92,450 at 6.83%$604.55
92,450 at 6.84%$605.17
92,450 at 6.85%$605.79
92,450 at 6.86%$606.40
92,450 at 6.87%$607.02
92,450 at 6.88%$607.64
92,450 at 6.89%$608.26
92,450 at 6.9%$608.88
92,450 at 6.91%$609.49
92,450 at 6.92%$610.11
92,450 at 6.93%$610.73
92,450 at 6.94%$611.35
92,450 at 6.95%$611.97
92,450 at 6.96%$612.59
92,450 at 6.97%$613.21
92,450 at 6.98%$613.83
92,450 at 6.99%$614.45
92,450 at 7%$615.07
92,450 at 7.01%$615.69
92,450 at 7.02%$616.31
92,450 at 7.03%$616.94
92,450 at 7.04%$617.56
92,450 at 7.05%$618.18
92,450 at 7.06%$618.80
92,450 at 7.07%$619.42
92,450 at 7.08%$620.05
92,450 at 7.09%$620.67
92,450 at 7.1%$621.29
92,450 at 7.11%$621.92
92,450 at 7.12%$622.54
92,450 at 7.13%$623.16
92,450 at 7.14%$623.79
92,450 at 7.15%$624.41
92,450 at 7.16%$625.04
92,450 at 7.17%$625.66
92,450 at 7.18%$626.29
92,450 at 7.19%$626.91
92,450 at 7.2%$627.54
92,450 at 7.21%$628.17
92,450 at 7.22%$628.79
92,450 at 7.23%$629.42
92,450 at 7.24%$630.05
92,450 at 7.25%$630.67
92,450 at 7.26%$631.30
92,450 at 7.27%$631.93
92,450 at 7.28%$632.55
92,450 at 7.29%$633.18
92,450 at 7.3%$633.81
92,450 at 7.31%$634.44
92,450 at 7.32%$635.07
92,450 at 7.33%$635.70
92,450 at 7.34%$636.33
92,450 at 7.35%$636.95
92,450 at 7.36%$637.58
92,450 at 7.37%$638.21
92,450 at 7.38%$638.84
92,450 at 7.39%$639.47
92,450 at 7.4%$640.11
92,450 at 7.41%$640.74
92,450 at 7.42%$641.37
92,450 at 7.43%$642.00
92,450 at 7.44%$642.63
92,450 at 7.45%$643.26
92,450 at 7.46%$643.89
92,450 at 7.47%$644.53
92,450 at 7.48%$645.16
92,450 at 7.49%$645.79
92,450 at 7.5%$646.42
92,450 at 7.51%$647.06
92,450 at 7.52%$647.69
92,450 at 7.53%$648.32
92,450 at 7.54%$648.96
92,450 at 7.55%$649.59
92,450 at 7.56%$650.23
92,450 at 7.57%$650.86
92,450 at 7.58%$651.50
92,450 at 7.59%$652.13
92,450 at 7.6%$652.77
92,450 at 7.61%$653.40
92,450 at 7.62%$654.04
92,450 at 7.63%$654.67
92,450 at 7.64%$655.31
92,450 at 7.65%$655.95
92,450 at 7.66%$656.58
92,450 at 7.67%$657.22
92,450 at 7.68%$657.86
92,450 at 7.69%$658.49
92,450 at 7.7%$659.13
92,450 at 7.71%$659.77
92,450 at 7.72%$660.41
92,450 at 7.73%$661.05
92,450 at 7.74%$661.68
92,450 at 7.75%$662.32
92,450 at 7.76%$662.96
92,450 at 7.77%$663.60
92,450 at 7.78%$664.24
92,450 at 7.79%$664.88
92,450 at 7.8%$665.52
92,450 at 7.81%$666.16
92,450 at 7.82%$666.80
92,450 at 7.83%$667.44
92,450 at 7.84%$668.08
92,450 at 7.85%$668.72
92,450 at 7.86%$669.36
92,450 at 7.87%$670.01
92,450 at 7.88%$670.65
92,450 at 7.89%$671.29
92,450 at 7.9%$671.93
92,450 at 7.91%$672.57
92,450 at 7.92%$673.22
92,450 at 7.93%$673.86
92,450 at 7.94%$674.50
92,450 at 7.95%$675.15
92,450 at 7.96%$675.79
92,450 at 7.97%$676.43
92,450 at 7.98%$677.08
92,450 at 7.99%$677.72
92,450 at 8%$678.37
More Amounts
What is the down payment for a $92,450 house? How much do you need to put down?
Percent Down Down Payment
1%925
2%1,849
3%2,774
4%3,698
5%4,623
6%5,547
7%6,472
8%7,396
9%8,321
10%9,245
11%10,170
12%11,094
13%12,019
14%12,943
15%13,868
16%14,792
17%15,717
18%16,641
19%17,566
20%18,490
Percent Down Down Payment
21%19,415
22%20,339
23%21,264
24%22,188
25%23,113
26%24,037
27%24,962
28%25,886
29%26,811
30%27,735
31%28,660
32%29,584
33%30,509
34%31,433
35%32,358
36%33,282
37%34,207
38%35,131
39%36,056
40%36,980
Percent Down Down Payment
41%37,905
42%38,829
43%39,754
44%40,678
45%41,603
46%42,527
47%43,452
48%44,376
49%45,301
50%46,225
51%47,150
52%48,074
53%48,999
54%49,923
55%50,848
56%51,772
57%52,697
58%53,621
59%54,546
60%55,470
Percent Down Down Payment
61%56,395
62%57,319
63%58,244
64%59,168
65%60,093
66%61,017
67%61,942
68%62,866
69%63,791
70%64,715
71%65,640
72%66,564
73%67,489
74%68,413
75%69,338
76%70,262
77%71,187
78%72,111
79%73,036
80%73,960
Percent Down Down Payment
81%74,885
82%75,809
83%76,734
84%77,658
85%78,583
86%79,507
87%80,432
88%81,356
89%82,281
90%83,205
91%84,130
92%85,054
93%85,979
94%86,903
95%87,828
96%88,752
97%89,677
98%90,601
99%91,526
100%92,450
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.