$95,800 Mortgage for 30 Years

What is the monthly payment of a 95,800 dollar loan?
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Loan Tables for a $95,800 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 $95,800 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
95,800 at 2.01%$354.57
95,800 at 2.02%$355.05
95,800 at 2.03%$355.53
95,800 at 2.04%$356.01
95,800 at 2.05%$356.50
95,800 at 2.06%$356.98
95,800 at 2.07%$357.46
95,800 at 2.08%$357.94
95,800 at 2.09%$358.42
95,800 at 2.1%$358.91
95,800 at 2.11%$359.39
95,800 at 2.12%$359.87
95,800 at 2.13%$360.36
95,800 at 2.14%$360.84
95,800 at 2.15%$361.32
95,800 at 2.16%$361.81
95,800 at 2.17%$362.29
95,800 at 2.18%$362.78
95,800 at 2.19%$363.27
95,800 at 2.2%$363.75
95,800 at 2.21%$364.24
95,800 at 2.22%$364.73
95,800 at 2.23%$365.22
95,800 at 2.24%$365.70
95,800 at 2.25%$366.19
95,800 at 2.26%$366.68
95,800 at 2.27%$367.17
95,800 at 2.28%$367.66
95,800 at 2.29%$368.15
95,800 at 2.3%$368.64
95,800 at 2.31%$369.13
95,800 at 2.32%$369.62
95,800 at 2.33%$370.11
95,800 at 2.34%$370.60
95,800 at 2.35%$371.10
95,800 at 2.36%$371.59
95,800 at 2.37%$372.08
95,800 at 2.38%$372.58
95,800 at 2.39%$373.07
95,800 at 2.4%$373.56
95,800 at 2.41%$374.06
95,800 at 2.42%$374.55
95,800 at 2.43%$375.05
95,800 at 2.44%$375.54
95,800 at 2.45%$376.04
95,800 at 2.46%$376.54
95,800 at 2.47%$377.03
95,800 at 2.48%$377.53
95,800 at 2.49%$378.03
95,800 at 2.5%$378.53
95,800 at 2.51%$379.02
95,800 at 2.52%$379.52
95,800 at 2.53%$380.02
95,800 at 2.54%$380.52
95,800 at 2.55%$381.02
95,800 at 2.56%$381.52
95,800 at 2.57%$382.02
95,800 at 2.58%$382.52
95,800 at 2.59%$383.02
95,800 at 2.6%$383.53
95,800 at 2.61%$384.03
95,800 at 2.62%$384.53
95,800 at 2.63%$385.03
95,800 at 2.64%$385.54
95,800 at 2.65%$386.04
95,800 at 2.66%$386.54
95,800 at 2.67%$387.05
95,800 at 2.68%$387.55
95,800 at 2.69%$388.06
95,800 at 2.7%$388.56
95,800 at 2.71%$389.07
95,800 at 2.72%$389.57
95,800 at 2.73%$390.08
95,800 at 2.74%$390.59
95,800 at 2.75%$391.10
95,800 at 2.76%$391.60
95,800 at 2.77%$392.11
95,800 at 2.78%$392.62
95,800 at 2.79%$393.13
95,800 at 2.8%$393.64
95,800 at 2.81%$394.15
95,800 at 2.82%$394.66
95,800 at 2.83%$395.17
95,800 at 2.84%$395.68
95,800 at 2.85%$396.19
95,800 at 2.86%$396.70
95,800 at 2.87%$397.21
95,800 at 2.88%$397.72
95,800 at 2.89%$398.24
95,800 at 2.9%$398.75
95,800 at 2.91%$399.26
95,800 at 2.92%$399.78
95,800 at 2.93%$400.29
95,800 at 2.94%$400.80
95,800 at 2.95%$401.32
95,800 at 2.96%$401.83
95,800 at 2.97%$402.35
95,800 at 2.98%$402.86
95,800 at 2.99%$403.38
95,800 at 3%$403.90
95,800 at 3.01%$404.41
95,800 at 3.02%$404.93
95,800 at 3.03%$405.45
95,800 at 3.04%$405.97
95,800 at 3.05%$406.48
95,800 at 3.06%$407.00
95,800 at 3.07%$407.52
95,800 at 3.08%$408.04
95,800 at 3.09%$408.56
95,800 at 3.1%$409.08
95,800 at 3.11%$409.60
95,800 at 3.12%$410.12
95,800 at 3.13%$410.64
95,800 at 3.14%$411.17
95,800 at 3.15%$411.69
95,800 at 3.16%$412.21
95,800 at 3.17%$412.73
95,800 at 3.18%$413.26
95,800 at 3.19%$413.78
95,800 at 3.2%$414.30
95,800 at 3.21%$414.83
95,800 at 3.22%$415.35
95,800 at 3.23%$415.88
95,800 at 3.24%$416.40
95,800 at 3.25%$416.93
95,800 at 3.26%$417.45
95,800 at 3.27%$417.98
95,800 at 3.28%$418.51
95,800 at 3.29%$419.03
95,800 at 3.3%$419.56
95,800 at 3.31%$420.09
95,800 at 3.32%$420.62
95,800 at 3.33%$421.15
95,800 at 3.34%$421.67
95,800 at 3.35%$422.20
95,800 at 3.36%$422.73
95,800 at 3.37%$423.26
95,800 at 3.38%$423.79
95,800 at 3.39%$424.32
95,800 at 3.4%$424.86
95,800 at 3.41%$425.39
95,800 at 3.42%$425.92
95,800 at 3.43%$426.45
95,800 at 3.44%$426.98
95,800 at 3.45%$427.52
95,800 at 3.46%$428.05
95,800 at 3.47%$428.58
95,800 at 3.48%$429.12
95,800 at 3.49%$429.65
95,800 at 3.5%$430.18
Interest Rate 30 Year
95,800 at 3.51%$430.72
95,800 at 3.52%$431.26
95,800 at 3.53%$431.79
95,800 at 3.54%$432.33
95,800 at 3.55%$432.86
95,800 at 3.56%$433.40
95,800 at 3.57%$433.94
95,800 at 3.58%$434.47
95,800 at 3.59%$435.01
95,800 at 3.6%$435.55
95,800 at 3.61%$436.09
95,800 at 3.62%$436.63
95,800 at 3.63%$437.17
95,800 at 3.64%$437.71
95,800 at 3.65%$438.25
95,800 at 3.66%$438.79
95,800 at 3.67%$439.33
95,800 at 3.68%$439.87
95,800 at 3.69%$440.41
95,800 at 3.7%$440.95
95,800 at 3.71%$441.49
95,800 at 3.72%$442.04
95,800 at 3.73%$442.58
95,800 at 3.74%$443.12
95,800 at 3.75%$443.66
95,800 at 3.76%$444.21
95,800 at 3.77%$444.75
95,800 at 3.78%$445.30
95,800 at 3.79%$445.84
95,800 at 3.8%$446.39
95,800 at 3.81%$446.93
95,800 at 3.82%$447.48
95,800 at 3.83%$448.02
95,800 at 3.84%$448.57
95,800 at 3.85%$449.12
95,800 at 3.86%$449.67
95,800 at 3.87%$450.21
95,800 at 3.88%$450.76
95,800 at 3.89%$451.31
95,800 at 3.9%$451.86
95,800 at 3.91%$452.41
95,800 at 3.92%$452.96
95,800 at 3.93%$453.51
95,800 at 3.94%$454.06
95,800 at 3.95%$454.61
95,800 at 3.96%$455.16
95,800 at 3.97%$455.71
95,800 at 3.98%$456.26
95,800 at 3.99%$456.81
95,800 at 4%$457.36
95,800 at 4.01%$457.92
95,800 at 4.02%$458.47
95,800 at 4.03%$459.02
95,800 at 4.04%$459.58
95,800 at 4.05%$460.13
95,800 at 4.06%$460.68
95,800 at 4.07%$461.24
95,800 at 4.08%$461.79
95,800 at 4.09%$462.35
95,800 at 4.1%$462.90
95,800 at 4.11%$463.46
95,800 at 4.12%$464.02
95,800 at 4.13%$464.57
95,800 at 4.14%$465.13
95,800 at 4.15%$465.69
95,800 at 4.16%$466.24
95,800 at 4.17%$466.80
95,800 at 4.18%$467.36
95,800 at 4.19%$467.92
95,800 at 4.2%$468.48
95,800 at 4.21%$469.04
95,800 at 4.22%$469.60
95,800 at 4.23%$470.16
95,800 at 4.24%$470.72
95,800 at 4.25%$471.28
95,800 at 4.26%$471.84
95,800 at 4.27%$472.40
95,800 at 4.28%$472.96
95,800 at 4.29%$473.52
95,800 at 4.3%$474.09
95,800 at 4.31%$474.65
95,800 at 4.32%$475.21
95,800 at 4.33%$475.78
95,800 at 4.34%$476.34
95,800 at 4.35%$476.90
95,800 at 4.36%$477.47
95,800 at 4.37%$478.03
95,800 at 4.38%$478.60
95,800 at 4.39%$479.16
95,800 at 4.4%$479.73
95,800 at 4.41%$480.30
95,800 at 4.42%$480.86
95,800 at 4.43%$481.43
95,800 at 4.44%$482.00
95,800 at 4.45%$482.56
95,800 at 4.46%$483.13
95,800 at 4.47%$483.70
95,800 at 4.48%$484.27
95,800 at 4.49%$484.84
95,800 at 4.5%$485.40
95,800 at 4.51%$485.97
95,800 at 4.52%$486.54
95,800 at 4.53%$487.11
95,800 at 4.54%$487.68
95,800 at 4.55%$488.25
95,800 at 4.56%$488.83
95,800 at 4.57%$489.40
95,800 at 4.58%$489.97
95,800 at 4.59%$490.54
95,800 at 4.6%$491.11
95,800 at 4.61%$491.69
95,800 at 4.62%$492.26
95,800 at 4.63%$492.83
95,800 at 4.64%$493.41
95,800 at 4.65%$493.98
95,800 at 4.66%$494.55
95,800 at 4.67%$495.13
95,800 at 4.68%$495.70
95,800 at 4.69%$496.28
95,800 at 4.7%$496.86
95,800 at 4.71%$497.43
95,800 at 4.72%$498.01
95,800 at 4.73%$498.58
95,800 at 4.74%$499.16
95,800 at 4.75%$499.74
95,800 at 4.76%$500.32
95,800 at 4.77%$500.89
95,800 at 4.78%$501.47
95,800 at 4.79%$502.05
95,800 at 4.8%$502.63
95,800 at 4.81%$503.21
95,800 at 4.82%$503.79
95,800 at 4.83%$504.37
95,800 at 4.84%$504.95
95,800 at 4.85%$505.53
95,800 at 4.86%$506.11
95,800 at 4.87%$506.69
95,800 at 4.88%$507.27
95,800 at 4.89%$507.85
95,800 at 4.9%$508.44
95,800 at 4.91%$509.02
95,800 at 4.92%$509.60
95,800 at 4.93%$510.18
95,800 at 4.94%$510.77
95,800 at 4.95%$511.35
95,800 at 4.96%$511.94
95,800 at 4.97%$512.52
95,800 at 4.98%$513.10
95,800 at 4.99%$513.69
95,800 at 5%$514.28
Interest Rate 30 Year
95,800 at 5.01%$514.86
95,800 at 5.02%$515.45
95,800 at 5.03%$516.03
95,800 at 5.04%$516.62
95,800 at 5.05%$517.21
95,800 at 5.06%$517.79
95,800 at 5.07%$518.38
95,800 at 5.08%$518.97
95,800 at 5.09%$519.56
95,800 at 5.1%$520.15
95,800 at 5.11%$520.73
95,800 at 5.12%$521.32
95,800 at 5.13%$521.91
95,800 at 5.14%$522.50
95,800 at 5.15%$523.09
95,800 at 5.16%$523.68
95,800 at 5.17%$524.27
95,800 at 5.18%$524.87
95,800 at 5.19%$525.46
95,800 at 5.2%$526.05
95,800 at 5.21%$526.64
95,800 at 5.22%$527.23
95,800 at 5.23%$527.83
95,800 at 5.24%$528.42
95,800 at 5.25%$529.01
95,800 at 5.26%$529.60
95,800 at 5.27%$530.20
95,800 at 5.28%$530.79
95,800 at 5.29%$531.39
95,800 at 5.3%$531.98
95,800 at 5.31%$532.58
95,800 at 5.32%$533.17
95,800 at 5.33%$533.77
95,800 at 5.34%$534.36
95,800 at 5.35%$534.96
95,800 at 5.36%$535.56
95,800 at 5.37%$536.15
95,800 at 5.38%$536.75
95,800 at 5.39%$537.35
95,800 at 5.4%$537.95
95,800 at 5.41%$538.54
95,800 at 5.42%$539.14
95,800 at 5.43%$539.74
95,800 at 5.44%$540.34
95,800 at 5.45%$540.94
95,800 at 5.46%$541.54
95,800 at 5.47%$542.14
95,800 at 5.48%$542.74
95,800 at 5.49%$543.34
95,800 at 5.5%$543.94
95,800 at 5.51%$544.54
95,800 at 5.52%$545.14
95,800 at 5.53%$545.75
95,800 at 5.54%$546.35
95,800 at 5.55%$546.95
95,800 at 5.56%$547.55
95,800 at 5.57%$548.16
95,800 at 5.58%$548.76
95,800 at 5.59%$549.36
95,800 at 5.6%$549.97
95,800 at 5.61%$550.57
95,800 at 5.62%$551.18
95,800 at 5.63%$551.78
95,800 at 5.64%$552.39
95,800 at 5.65%$552.99
95,800 at 5.66%$553.60
95,800 at 5.67%$554.20
95,800 at 5.68%$554.81
95,800 at 5.69%$555.42
95,800 at 5.7%$556.02
95,800 at 5.71%$556.63
95,800 at 5.72%$557.24
95,800 at 5.73%$557.85
95,800 at 5.74%$558.45
95,800 at 5.75%$559.06
95,800 at 5.76%$559.67
95,800 at 5.77%$560.28
95,800 at 5.78%$560.89
95,800 at 5.79%$561.50
95,800 at 5.8%$562.11
95,800 at 5.81%$562.72
95,800 at 5.82%$563.33
95,800 at 5.83%$563.94
95,800 at 5.84%$564.55
95,800 at 5.85%$565.16
95,800 at 5.86%$565.78
95,800 at 5.87%$566.39
95,800 at 5.88%$567.00
95,800 at 5.89%$567.61
95,800 at 5.9%$568.22
95,800 at 5.91%$568.84
95,800 at 5.92%$569.45
95,800 at 5.93%$570.07
95,800 at 5.94%$570.68
95,800 at 5.95%$571.29
95,800 at 5.96%$571.91
95,800 at 5.97%$572.52
95,800 at 5.98%$573.14
95,800 at 5.99%$573.75
95,800 at 6%$574.37
95,800 at 6.01%$574.99
95,800 at 6.02%$575.60
95,800 at 6.03%$576.22
95,800 at 6.04%$576.84
95,800 at 6.05%$577.45
95,800 at 6.06%$578.07
95,800 at 6.07%$578.69
95,800 at 6.08%$579.31
95,800 at 6.09%$579.92
95,800 at 6.1%$580.54
95,800 at 6.11%$581.16
95,800 at 6.12%$581.78
95,800 at 6.13%$582.40
95,800 at 6.14%$583.02
95,800 at 6.15%$583.64
95,800 at 6.16%$584.26
95,800 at 6.17%$584.88
95,800 at 6.18%$585.50
95,800 at 6.19%$586.12
95,800 at 6.2%$586.75
95,800 at 6.21%$587.37
95,800 at 6.22%$587.99
95,800 at 6.23%$588.61
95,800 at 6.24%$589.23
95,800 at 6.25%$589.86
95,800 at 6.26%$590.48
95,800 at 6.27%$591.10
95,800 at 6.28%$591.73
95,800 at 6.29%$592.35
95,800 at 6.3%$592.98
95,800 at 6.31%$593.60
95,800 at 6.32%$594.23
95,800 at 6.33%$594.85
95,800 at 6.34%$595.48
95,800 at 6.35%$596.10
95,800 at 6.36%$596.73
95,800 at 6.37%$597.35
95,800 at 6.38%$597.98
95,800 at 6.39%$598.61
95,800 at 6.4%$599.23
95,800 at 6.41%$599.86
95,800 at 6.42%$600.49
95,800 at 6.43%$601.12
95,800 at 6.44%$601.75
95,800 at 6.45%$602.37
95,800 at 6.46%$603.00
95,800 at 6.47%$603.63
95,800 at 6.48%$604.26
95,800 at 6.49%$604.89
95,800 at 6.5%$605.52
Interest Rate 30 Year
95,800 at 6.51%$606.15
95,800 at 6.52%$606.78
95,800 at 6.53%$607.41
95,800 at 6.54%$608.04
95,800 at 6.55%$608.67
95,800 at 6.56%$609.31
95,800 at 6.57%$609.94
95,800 at 6.58%$610.57
95,800 at 6.59%$611.20
95,800 at 6.6%$611.84
95,800 at 6.61%$612.47
95,800 at 6.62%$613.10
95,800 at 6.63%$613.73
95,800 at 6.64%$614.37
95,800 at 6.65%$615.00
95,800 at 6.66%$615.64
95,800 at 6.67%$616.27
95,800 at 6.68%$616.91
95,800 at 6.69%$617.54
95,800 at 6.7%$618.18
95,800 at 6.71%$618.81
95,800 at 6.72%$619.45
95,800 at 6.73%$620.08
95,800 at 6.74%$620.72
95,800 at 6.75%$621.36
95,800 at 6.76%$621.99
95,800 at 6.77%$622.63
95,800 at 6.78%$623.27
95,800 at 6.79%$623.91
95,800 at 6.8%$624.54
95,800 at 6.81%$625.18
95,800 at 6.82%$625.82
95,800 at 6.83%$626.46
95,800 at 6.84%$627.10
95,800 at 6.85%$627.74
95,800 at 6.86%$628.38
95,800 at 6.87%$629.02
95,800 at 6.88%$629.66
95,800 at 6.89%$630.30
95,800 at 6.9%$630.94
95,800 at 6.91%$631.58
95,800 at 6.92%$632.22
95,800 at 6.93%$632.86
95,800 at 6.94%$633.50
95,800 at 6.95%$634.15
95,800 at 6.96%$634.79
95,800 at 6.97%$635.43
95,800 at 6.98%$636.07
95,800 at 6.99%$636.72
95,800 at 7%$637.36
95,800 at 7.01%$638.00
95,800 at 7.02%$638.65
95,800 at 7.03%$639.29
95,800 at 7.04%$639.94
95,800 at 7.05%$640.58
95,800 at 7.06%$641.22
95,800 at 7.07%$641.87
95,800 at 7.08%$642.52
95,800 at 7.09%$643.16
95,800 at 7.1%$643.81
95,800 at 7.11%$644.45
95,800 at 7.12%$645.10
95,800 at 7.13%$645.75
95,800 at 7.14%$646.39
95,800 at 7.15%$647.04
95,800 at 7.16%$647.69
95,800 at 7.17%$648.33
95,800 at 7.18%$648.98
95,800 at 7.19%$649.63
95,800 at 7.2%$650.28
95,800 at 7.21%$650.93
95,800 at 7.22%$651.58
95,800 at 7.23%$652.23
95,800 at 7.24%$652.88
95,800 at 7.25%$653.52
95,800 at 7.26%$654.17
95,800 at 7.27%$654.82
95,800 at 7.28%$655.48
95,800 at 7.29%$656.13
95,800 at 7.3%$656.78
95,800 at 7.31%$657.43
95,800 at 7.32%$658.08
95,800 at 7.33%$658.73
95,800 at 7.34%$659.38
95,800 at 7.35%$660.04
95,800 at 7.36%$660.69
95,800 at 7.37%$661.34
95,800 at 7.38%$661.99
95,800 at 7.39%$662.65
95,800 at 7.4%$663.30
95,800 at 7.41%$663.95
95,800 at 7.42%$664.61
95,800 at 7.43%$665.26
95,800 at 7.44%$665.92
95,800 at 7.45%$666.57
95,800 at 7.46%$667.23
95,800 at 7.47%$667.88
95,800 at 7.48%$668.54
95,800 at 7.49%$669.19
95,800 at 7.5%$669.85
95,800 at 7.51%$670.50
95,800 at 7.52%$671.16
95,800 at 7.53%$671.82
95,800 at 7.54%$672.47
95,800 at 7.55%$673.13
95,800 at 7.56%$673.79
95,800 at 7.57%$674.45
95,800 at 7.58%$675.10
95,800 at 7.59%$675.76
95,800 at 7.6%$676.42
95,800 at 7.61%$677.08
95,800 at 7.62%$677.74
95,800 at 7.63%$678.40
95,800 at 7.64%$679.06
95,800 at 7.65%$679.71
95,800 at 7.66%$680.37
95,800 at 7.67%$681.03
95,800 at 7.68%$681.69
95,800 at 7.69%$682.36
95,800 at 7.7%$683.02
95,800 at 7.71%$683.68
95,800 at 7.72%$684.34
95,800 at 7.73%$685.00
95,800 at 7.74%$685.66
95,800 at 7.75%$686.32
95,800 at 7.76%$686.99
95,800 at 7.77%$687.65
95,800 at 7.78%$688.31
95,800 at 7.79%$688.97
95,800 at 7.8%$689.64
95,800 at 7.81%$690.30
95,800 at 7.82%$690.96
95,800 at 7.83%$691.63
95,800 at 7.84%$692.29
95,800 at 7.85%$692.95
95,800 at 7.86%$693.62
95,800 at 7.87%$694.28
95,800 at 7.88%$694.95
95,800 at 7.89%$695.61
95,800 at 7.9%$696.28
95,800 at 7.91%$696.95
95,800 at 7.92%$697.61
95,800 at 7.93%$698.28
95,800 at 7.94%$698.94
95,800 at 7.95%$699.61
95,800 at 7.96%$700.28
95,800 at 7.97%$700.94
95,800 at 7.98%$701.61
95,800 at 7.99%$702.28
95,800 at 8%$702.95
More Amounts
What is the down payment for a $95,800 house? How much do you need to put down?
Percent Down Down Payment
1%958
2%1,916
3%2,874
4%3,832
5%4,790
6%5,748
7%6,706
8%7,664
9%8,622
10%9,580
11%10,538
12%11,496
13%12,454
14%13,412
15%14,370
16%15,328
17%16,286
18%17,244
19%18,202
20%19,160
Percent Down Down Payment
21%20,118
22%21,076
23%22,034
24%22,992
25%23,950
26%24,908
27%25,866
28%26,824
29%27,782
30%28,740
31%29,698
32%30,656
33%31,614
34%32,572
35%33,530
36%34,488
37%35,446
38%36,404
39%37,362
40%38,320
Percent Down Down Payment
41%39,278
42%40,236
43%41,194
44%42,152
45%43,110
46%44,068
47%45,026
48%45,984
49%46,942
50%47,900
51%48,858
52%49,816
53%50,774
54%51,732
55%52,690
56%53,648
57%54,606
58%55,564
59%56,522
60%57,480
Percent Down Down Payment
61%58,438
62%59,396
63%60,354
64%61,312
65%62,270
66%63,228
67%64,186
68%65,144
69%66,102
70%67,060
71%68,018
72%68,976
73%69,934
74%70,892
75%71,850
76%72,808
77%73,766
78%74,724
79%75,682
80%76,640
Percent Down Down Payment
81%77,598
82%78,556
83%79,514
84%80,472
85%81,430
86%82,388
87%83,346
88%84,304
89%85,262
90%86,220
91%87,178
92%88,136
93%89,094
94%90,052
95%91,010
96%91,968
97%92,926
98%93,884
99%94,842
100%95,800
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.