$95,550 Mortgage for 30 Years

What is the monthly payment of a 95,550 dollar loan?
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Loan Tables for a $95,550 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 96k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $95,550 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
95,550 at 2.01%$353.65
95,550 at 2.02%$354.13
95,550 at 2.03%$354.61
95,550 at 2.04%$355.09
95,550 at 2.05%$355.57
95,550 at 2.06%$356.05
95,550 at 2.07%$356.53
95,550 at 2.08%$357.01
95,550 at 2.09%$357.49
95,550 at 2.1%$357.97
95,550 at 2.11%$358.45
95,550 at 2.12%$358.93
95,550 at 2.13%$359.42
95,550 at 2.14%$359.90
95,550 at 2.15%$360.38
95,550 at 2.16%$360.87
95,550 at 2.17%$361.35
95,550 at 2.18%$361.83
95,550 at 2.19%$362.32
95,550 at 2.2%$362.80
95,550 at 2.21%$363.29
95,550 at 2.22%$363.78
95,550 at 2.23%$364.26
95,550 at 2.24%$364.75
95,550 at 2.25%$365.24
95,550 at 2.26%$365.72
95,550 at 2.27%$366.21
95,550 at 2.28%$366.70
95,550 at 2.29%$367.19
95,550 at 2.3%$367.68
95,550 at 2.31%$368.17
95,550 at 2.32%$368.66
95,550 at 2.33%$369.15
95,550 at 2.34%$369.64
95,550 at 2.35%$370.13
95,550 at 2.36%$370.62
95,550 at 2.37%$371.11
95,550 at 2.38%$371.60
95,550 at 2.39%$372.10
95,550 at 2.4%$372.59
95,550 at 2.41%$373.08
95,550 at 2.42%$373.58
95,550 at 2.43%$374.07
95,550 at 2.44%$374.56
95,550 at 2.45%$375.06
95,550 at 2.46%$375.55
95,550 at 2.47%$376.05
95,550 at 2.48%$376.55
95,550 at 2.49%$377.04
95,550 at 2.5%$377.54
95,550 at 2.51%$378.03
95,550 at 2.52%$378.53
95,550 at 2.53%$379.03
95,550 at 2.54%$379.53
95,550 at 2.55%$380.03
95,550 at 2.56%$380.53
95,550 at 2.57%$381.02
95,550 at 2.58%$381.52
95,550 at 2.59%$382.02
95,550 at 2.6%$382.52
95,550 at 2.61%$383.03
95,550 at 2.62%$383.53
95,550 at 2.63%$384.03
95,550 at 2.64%$384.53
95,550 at 2.65%$385.03
95,550 at 2.66%$385.53
95,550 at 2.67%$386.04
95,550 at 2.68%$386.54
95,550 at 2.69%$387.04
95,550 at 2.7%$387.55
95,550 at 2.71%$388.05
95,550 at 2.72%$388.56
95,550 at 2.73%$389.06
95,550 at 2.74%$389.57
95,550 at 2.75%$390.07
95,550 at 2.76%$390.58
95,550 at 2.77%$391.09
95,550 at 2.78%$391.59
95,550 at 2.79%$392.10
95,550 at 2.8%$392.61
95,550 at 2.81%$393.12
95,550 at 2.82%$393.63
95,550 at 2.83%$394.14
95,550 at 2.84%$394.64
95,550 at 2.85%$395.15
95,550 at 2.86%$395.66
95,550 at 2.87%$396.17
95,550 at 2.88%$396.69
95,550 at 2.89%$397.20
95,550 at 2.9%$397.71
95,550 at 2.91%$398.22
95,550 at 2.92%$398.73
95,550 at 2.93%$399.24
95,550 at 2.94%$399.76
95,550 at 2.95%$400.27
95,550 at 2.96%$400.78
95,550 at 2.97%$401.30
95,550 at 2.98%$401.81
95,550 at 2.99%$402.33
95,550 at 3%$402.84
95,550 at 3.01%$403.36
95,550 at 3.02%$403.87
95,550 at 3.03%$404.39
95,550 at 3.04%$404.91
95,550 at 3.05%$405.42
95,550 at 3.06%$405.94
95,550 at 3.07%$406.46
95,550 at 3.08%$406.98
95,550 at 3.09%$407.50
95,550 at 3.1%$408.01
95,550 at 3.11%$408.53
95,550 at 3.12%$409.05
95,550 at 3.13%$409.57
95,550 at 3.14%$410.09
95,550 at 3.15%$410.61
95,550 at 3.16%$411.13
95,550 at 3.17%$411.66
95,550 at 3.18%$412.18
95,550 at 3.19%$412.70
95,550 at 3.2%$413.22
95,550 at 3.21%$413.74
95,550 at 3.22%$414.27
95,550 at 3.23%$414.79
95,550 at 3.24%$415.32
95,550 at 3.25%$415.84
95,550 at 3.26%$416.36
95,550 at 3.27%$416.89
95,550 at 3.28%$417.41
95,550 at 3.29%$417.94
95,550 at 3.3%$418.47
95,550 at 3.31%$418.99
95,550 at 3.32%$419.52
95,550 at 3.33%$420.05
95,550 at 3.34%$420.57
95,550 at 3.35%$421.10
95,550 at 3.36%$421.63
95,550 at 3.37%$422.16
95,550 at 3.38%$422.69
95,550 at 3.39%$423.22
95,550 at 3.4%$423.75
95,550 at 3.41%$424.28
95,550 at 3.42%$424.81
95,550 at 3.43%$425.34
95,550 at 3.44%$425.87
95,550 at 3.45%$426.40
95,550 at 3.46%$426.93
95,550 at 3.47%$427.46
95,550 at 3.48%$428.00
95,550 at 3.49%$428.53
95,550 at 3.5%$429.06
Interest Rate 30 Year
95,550 at 3.51%$429.60
95,550 at 3.52%$430.13
95,550 at 3.53%$430.66
95,550 at 3.54%$431.20
95,550 at 3.55%$431.73
95,550 at 3.56%$432.27
95,550 at 3.57%$432.80
95,550 at 3.58%$433.34
95,550 at 3.59%$433.88
95,550 at 3.6%$434.41
95,550 at 3.61%$434.95
95,550 at 3.62%$435.49
95,550 at 3.63%$436.03
95,550 at 3.64%$436.56
95,550 at 3.65%$437.10
95,550 at 3.66%$437.64
95,550 at 3.67%$438.18
95,550 at 3.68%$438.72
95,550 at 3.69%$439.26
95,550 at 3.7%$439.80
95,550 at 3.71%$440.34
95,550 at 3.72%$440.88
95,550 at 3.73%$441.42
95,550 at 3.74%$441.96
95,550 at 3.75%$442.51
95,550 at 3.76%$443.05
95,550 at 3.77%$443.59
95,550 at 3.78%$444.14
95,550 at 3.79%$444.68
95,550 at 3.8%$445.22
95,550 at 3.81%$445.77
95,550 at 3.82%$446.31
95,550 at 3.83%$446.86
95,550 at 3.84%$447.40
95,550 at 3.85%$447.95
95,550 at 3.86%$448.49
95,550 at 3.87%$449.04
95,550 at 3.88%$449.58
95,550 at 3.89%$450.13
95,550 at 3.9%$450.68
95,550 at 3.91%$451.23
95,550 at 3.92%$451.77
95,550 at 3.93%$452.32
95,550 at 3.94%$452.87
95,550 at 3.95%$453.42
95,550 at 3.96%$453.97
95,550 at 3.97%$454.52
95,550 at 3.98%$455.07
95,550 at 3.99%$455.62
95,550 at 4%$456.17
95,550 at 4.01%$456.72
95,550 at 4.02%$457.27
95,550 at 4.03%$457.82
95,550 at 4.04%$458.38
95,550 at 4.05%$458.93
95,550 at 4.06%$459.48
95,550 at 4.07%$460.03
95,550 at 4.08%$460.59
95,550 at 4.09%$461.14
95,550 at 4.1%$461.70
95,550 at 4.11%$462.25
95,550 at 4.12%$462.81
95,550 at 4.13%$463.36
95,550 at 4.14%$463.92
95,550 at 4.15%$464.47
95,550 at 4.16%$465.03
95,550 at 4.17%$465.58
95,550 at 4.18%$466.14
95,550 at 4.19%$466.70
95,550 at 4.2%$467.26
95,550 at 4.21%$467.81
95,550 at 4.22%$468.37
95,550 at 4.23%$468.93
95,550 at 4.24%$469.49
95,550 at 4.25%$470.05
95,550 at 4.26%$470.61
95,550 at 4.27%$471.17
95,550 at 4.28%$471.73
95,550 at 4.29%$472.29
95,550 at 4.3%$472.85
95,550 at 4.31%$473.41
95,550 at 4.32%$473.97
95,550 at 4.33%$474.53
95,550 at 4.34%$475.10
95,550 at 4.35%$475.66
95,550 at 4.36%$476.22
95,550 at 4.37%$476.79
95,550 at 4.38%$477.35
95,550 at 4.39%$477.91
95,550 at 4.4%$478.48
95,550 at 4.41%$479.04
95,550 at 4.42%$479.61
95,550 at 4.43%$480.17
95,550 at 4.44%$480.74
95,550 at 4.45%$481.30
95,550 at 4.46%$481.87
95,550 at 4.47%$482.44
95,550 at 4.48%$483.00
95,550 at 4.49%$483.57
95,550 at 4.5%$484.14
95,550 at 4.51%$484.71
95,550 at 4.52%$485.27
95,550 at 4.53%$485.84
95,550 at 4.54%$486.41
95,550 at 4.55%$486.98
95,550 at 4.56%$487.55
95,550 at 4.57%$488.12
95,550 at 4.58%$488.69
95,550 at 4.59%$489.26
95,550 at 4.6%$489.83
95,550 at 4.61%$490.40
95,550 at 4.62%$490.97
95,550 at 4.63%$491.55
95,550 at 4.64%$492.12
95,550 at 4.65%$492.69
95,550 at 4.66%$493.26
95,550 at 4.67%$493.84
95,550 at 4.68%$494.41
95,550 at 4.69%$494.98
95,550 at 4.7%$495.56
95,550 at 4.71%$496.13
95,550 at 4.72%$496.71
95,550 at 4.73%$497.28
95,550 at 4.74%$497.86
95,550 at 4.75%$498.43
95,550 at 4.76%$499.01
95,550 at 4.77%$499.59
95,550 at 4.78%$500.16
95,550 at 4.79%$500.74
95,550 at 4.8%$501.32
95,550 at 4.81%$501.90
95,550 at 4.82%$502.47
95,550 at 4.83%$503.05
95,550 at 4.84%$503.63
95,550 at 4.85%$504.21
95,550 at 4.86%$504.79
95,550 at 4.87%$505.37
95,550 at 4.88%$505.95
95,550 at 4.89%$506.53
95,550 at 4.9%$507.11
95,550 at 4.91%$507.69
95,550 at 4.92%$508.27
95,550 at 4.93%$508.85
95,550 at 4.94%$509.44
95,550 at 4.95%$510.02
95,550 at 4.96%$510.60
95,550 at 4.97%$511.18
95,550 at 4.98%$511.77
95,550 at 4.99%$512.35
95,550 at 5%$512.93
Interest Rate 30 Year
95,550 at 5.01%$513.52
95,550 at 5.02%$514.10
95,550 at 5.03%$514.69
95,550 at 5.04%$515.27
95,550 at 5.05%$515.86
95,550 at 5.06%$516.44
95,550 at 5.07%$517.03
95,550 at 5.08%$517.61
95,550 at 5.09%$518.20
95,550 at 5.1%$518.79
95,550 at 5.11%$519.38
95,550 at 5.12%$519.96
95,550 at 5.13%$520.55
95,550 at 5.14%$521.14
95,550 at 5.15%$521.73
95,550 at 5.16%$522.32
95,550 at 5.17%$522.91
95,550 at 5.18%$523.50
95,550 at 5.19%$524.09
95,550 at 5.2%$524.68
95,550 at 5.21%$525.27
95,550 at 5.22%$525.86
95,550 at 5.23%$526.45
95,550 at 5.24%$527.04
95,550 at 5.25%$527.63
95,550 at 5.26%$528.22
95,550 at 5.27%$528.81
95,550 at 5.28%$529.41
95,550 at 5.29%$530.00
95,550 at 5.3%$530.59
95,550 at 5.31%$531.19
95,550 at 5.32%$531.78
95,550 at 5.33%$532.38
95,550 at 5.34%$532.97
95,550 at 5.35%$533.56
95,550 at 5.36%$534.16
95,550 at 5.37%$534.75
95,550 at 5.38%$535.35
95,550 at 5.39%$535.95
95,550 at 5.4%$536.54
95,550 at 5.41%$537.14
95,550 at 5.42%$537.74
95,550 at 5.43%$538.33
95,550 at 5.44%$538.93
95,550 at 5.45%$539.53
95,550 at 5.46%$540.13
95,550 at 5.47%$540.73
95,550 at 5.48%$541.32
95,550 at 5.49%$541.92
95,550 at 5.5%$542.52
95,550 at 5.51%$543.12
95,550 at 5.52%$543.72
95,550 at 5.53%$544.32
95,550 at 5.54%$544.92
95,550 at 5.55%$545.52
95,550 at 5.56%$546.12
95,550 at 5.57%$546.73
95,550 at 5.58%$547.33
95,550 at 5.59%$547.93
95,550 at 5.6%$548.53
95,550 at 5.61%$549.14
95,550 at 5.62%$549.74
95,550 at 5.63%$550.34
95,550 at 5.64%$550.94
95,550 at 5.65%$551.55
95,550 at 5.66%$552.15
95,550 at 5.67%$552.76
95,550 at 5.68%$553.36
95,550 at 5.69%$553.97
95,550 at 5.7%$554.57
95,550 at 5.71%$555.18
95,550 at 5.72%$555.78
95,550 at 5.73%$556.39
95,550 at 5.74%$557.00
95,550 at 5.75%$557.60
95,550 at 5.76%$558.21
95,550 at 5.77%$558.82
95,550 at 5.78%$559.43
95,550 at 5.79%$560.03
95,550 at 5.8%$560.64
95,550 at 5.81%$561.25
95,550 at 5.82%$561.86
95,550 at 5.83%$562.47
95,550 at 5.84%$563.08
95,550 at 5.85%$563.69
95,550 at 5.86%$564.30
95,550 at 5.87%$564.91
95,550 at 5.88%$565.52
95,550 at 5.89%$566.13
95,550 at 5.9%$566.74
95,550 at 5.91%$567.35
95,550 at 5.92%$567.97
95,550 at 5.93%$568.58
95,550 at 5.94%$569.19
95,550 at 5.95%$569.80
95,550 at 5.96%$570.42
95,550 at 5.97%$571.03
95,550 at 5.98%$571.64
95,550 at 5.99%$572.26
95,550 at 6%$572.87
95,550 at 6.01%$573.48
95,550 at 6.02%$574.10
95,550 at 6.03%$574.71
95,550 at 6.04%$575.33
95,550 at 6.05%$575.95
95,550 at 6.06%$576.56
95,550 at 6.07%$577.18
95,550 at 6.08%$577.79
95,550 at 6.09%$578.41
95,550 at 6.1%$579.03
95,550 at 6.11%$579.65
95,550 at 6.12%$580.26
95,550 at 6.13%$580.88
95,550 at 6.14%$581.50
95,550 at 6.15%$582.12
95,550 at 6.16%$582.74
95,550 at 6.17%$583.36
95,550 at 6.18%$583.97
95,550 at 6.19%$584.59
95,550 at 6.2%$585.21
95,550 at 6.21%$585.83
95,550 at 6.22%$586.45
95,550 at 6.23%$587.08
95,550 at 6.24%$587.70
95,550 at 6.25%$588.32
95,550 at 6.26%$588.94
95,550 at 6.27%$589.56
95,550 at 6.28%$590.18
95,550 at 6.29%$590.81
95,550 at 6.3%$591.43
95,550 at 6.31%$592.05
95,550 at 6.32%$592.67
95,550 at 6.33%$593.30
95,550 at 6.34%$593.92
95,550 at 6.35%$594.55
95,550 at 6.36%$595.17
95,550 at 6.37%$595.80
95,550 at 6.38%$596.42
95,550 at 6.39%$597.05
95,550 at 6.4%$597.67
95,550 at 6.41%$598.30
95,550 at 6.42%$598.92
95,550 at 6.43%$599.55
95,550 at 6.44%$600.18
95,550 at 6.45%$600.80
95,550 at 6.46%$601.43
95,550 at 6.47%$602.06
95,550 at 6.48%$602.68
95,550 at 6.49%$603.31
95,550 at 6.5%$603.94
Interest Rate 30 Year
95,550 at 6.51%$604.57
95,550 at 6.52%$605.20
95,550 at 6.53%$605.83
95,550 at 6.54%$606.46
95,550 at 6.55%$607.09
95,550 at 6.56%$607.72
95,550 at 6.57%$608.35
95,550 at 6.58%$608.98
95,550 at 6.59%$609.61
95,550 at 6.6%$610.24
95,550 at 6.61%$610.87
95,550 at 6.62%$611.50
95,550 at 6.63%$612.13
95,550 at 6.64%$612.77
95,550 at 6.65%$613.40
95,550 at 6.66%$614.03
95,550 at 6.67%$614.66
95,550 at 6.68%$615.30
95,550 at 6.69%$615.93
95,550 at 6.7%$616.56
95,550 at 6.71%$617.20
95,550 at 6.72%$617.83
95,550 at 6.73%$618.47
95,550 at 6.74%$619.10
95,550 at 6.75%$619.74
95,550 at 6.76%$620.37
95,550 at 6.77%$621.01
95,550 at 6.78%$621.64
95,550 at 6.79%$622.28
95,550 at 6.8%$622.91
95,550 at 6.81%$623.55
95,550 at 6.82%$624.19
95,550 at 6.83%$624.83
95,550 at 6.84%$625.46
95,550 at 6.85%$626.10
95,550 at 6.86%$626.74
95,550 at 6.87%$627.38
95,550 at 6.88%$628.01
95,550 at 6.89%$628.65
95,550 at 6.9%$629.29
95,550 at 6.91%$629.93
95,550 at 6.92%$630.57
95,550 at 6.93%$631.21
95,550 at 6.94%$631.85
95,550 at 6.95%$632.49
95,550 at 6.96%$633.13
95,550 at 6.97%$633.77
95,550 at 6.98%$634.41
95,550 at 6.99%$635.05
95,550 at 7%$635.70
95,550 at 7.01%$636.34
95,550 at 7.02%$636.98
95,550 at 7.03%$637.62
95,550 at 7.04%$638.27
95,550 at 7.05%$638.91
95,550 at 7.06%$639.55
95,550 at 7.07%$640.19
95,550 at 7.08%$640.84
95,550 at 7.09%$641.48
95,550 at 7.1%$642.13
95,550 at 7.11%$642.77
95,550 at 7.12%$643.42
95,550 at 7.13%$644.06
95,550 at 7.14%$644.71
95,550 at 7.15%$645.35
95,550 at 7.16%$646.00
95,550 at 7.17%$646.64
95,550 at 7.18%$647.29
95,550 at 7.19%$647.94
95,550 at 7.2%$648.58
95,550 at 7.21%$649.23
95,550 at 7.22%$649.88
95,550 at 7.23%$650.52
95,550 at 7.24%$651.17
95,550 at 7.25%$651.82
95,550 at 7.26%$652.47
95,550 at 7.27%$653.12
95,550 at 7.28%$653.76
95,550 at 7.29%$654.41
95,550 at 7.3%$655.06
95,550 at 7.31%$655.71
95,550 at 7.32%$656.36
95,550 at 7.33%$657.01
95,550 at 7.34%$657.66
95,550 at 7.35%$658.31
95,550 at 7.36%$658.96
95,550 at 7.37%$659.61
95,550 at 7.38%$660.27
95,550 at 7.39%$660.92
95,550 at 7.4%$661.57
95,550 at 7.41%$662.22
95,550 at 7.42%$662.87
95,550 at 7.43%$663.53
95,550 at 7.44%$664.18
95,550 at 7.45%$664.83
95,550 at 7.46%$665.48
95,550 at 7.47%$666.14
95,550 at 7.48%$666.79
95,550 at 7.49%$667.45
95,550 at 7.5%$668.10
95,550 at 7.51%$668.75
95,550 at 7.52%$669.41
95,550 at 7.53%$670.06
95,550 at 7.54%$670.72
95,550 at 7.55%$671.37
95,550 at 7.56%$672.03
95,550 at 7.57%$672.69
95,550 at 7.58%$673.34
95,550 at 7.59%$674.00
95,550 at 7.6%$674.65
95,550 at 7.61%$675.31
95,550 at 7.62%$675.97
95,550 at 7.63%$676.63
95,550 at 7.64%$677.28
95,550 at 7.65%$677.94
95,550 at 7.66%$678.60
95,550 at 7.67%$679.26
95,550 at 7.68%$679.92
95,550 at 7.69%$680.57
95,550 at 7.7%$681.23
95,550 at 7.71%$681.89
95,550 at 7.72%$682.55
95,550 at 7.73%$683.21
95,550 at 7.74%$683.87
95,550 at 7.75%$684.53
95,550 at 7.76%$685.19
95,550 at 7.77%$685.85
95,550 at 7.78%$686.51
95,550 at 7.79%$687.17
95,550 at 7.8%$687.84
95,550 at 7.81%$688.50
95,550 at 7.82%$689.16
95,550 at 7.83%$689.82
95,550 at 7.84%$690.48
95,550 at 7.85%$691.15
95,550 at 7.86%$691.81
95,550 at 7.87%$692.47
95,550 at 7.88%$693.14
95,550 at 7.89%$693.80
95,550 at 7.9%$694.46
95,550 at 7.91%$695.13
95,550 at 7.92%$695.79
95,550 at 7.93%$696.45
95,550 at 7.94%$697.12
95,550 at 7.95%$697.78
95,550 at 7.96%$698.45
95,550 at 7.97%$699.11
95,550 at 7.98%$699.78
95,550 at 7.99%$700.45
95,550 at 8%$701.11
More Amounts
What is the down payment for a $95,550 house? How much do you need to put down?
Percent Down Down Payment
1%956
2%1,911
3%2,867
4%3,822
5%4,778
6%5,733
7%6,689
8%7,644
9%8,600
10%9,555
11%10,511
12%11,466
13%12,422
14%13,377
15%14,333
16%15,288
17%16,244
18%17,199
19%18,155
20%19,110
Percent Down Down Payment
21%20,066
22%21,021
23%21,977
24%22,932
25%23,888
26%24,843
27%25,799
28%26,754
29%27,710
30%28,665
31%29,621
32%30,576
33%31,532
34%32,487
35%33,443
36%34,398
37%35,354
38%36,309
39%37,265
40%38,220
Percent Down Down Payment
41%39,176
42%40,131
43%41,087
44%42,042
45%42,998
46%43,953
47%44,909
48%45,864
49%46,820
50%47,775
51%48,731
52%49,686
53%50,642
54%51,597
55%52,553
56%53,508
57%54,464
58%55,419
59%56,375
60%57,330
Percent Down Down Payment
61%58,286
62%59,241
63%60,197
64%61,152
65%62,108
66%63,063
67%64,019
68%64,974
69%65,930
70%66,885
71%67,841
72%68,796
73%69,752
74%70,707
75%71,663
76%72,618
77%73,574
78%74,529
79%75,485
80%76,440
Percent Down Down Payment
81%77,396
82%78,351
83%79,307
84%80,262
85%81,218
86%82,173
87%83,129
88%84,084
89%85,040
90%85,995
91%86,951
92%87,906
93%88,862
94%89,817
95%90,773
96%91,728
97%92,684
98%93,639
99%94,595
100%95,550
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.