Question about home mortgages.?

I have the ability to buy a house for 200,000 and i am new to buying a home. I am kind of confused how the whole thing works. So i go to the bank and apply for a 200K home loan. So the APR for now is 6.5%. So for a 30year FMR would i end up paying 213,000 after 30 years? I am looking at roughly 650 a month on the... show more I have the ability to buy a house for 200,000 and i am new to buying a home. I am kind of confused how the whole thing works. So i go to the bank and apply for a 200K home loan. So the APR for now is 6.5%. So for a 30year FMR would i end up paying 213,000 after 30 years? I am looking at roughly 650 a month on the safe side? And what is ment by refiencing a home?
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