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How To Lower Mortgage Interest Rate What Is The Mortgage On A 150 000 House 5 Ways to Calculate How Much House You Can Afford – If you want to do the calculation manually, let’s look at five ways to calculate how much house you can afford, beginning with a standard rule of thumb. 1. Multiply Your Annual Income By 2.5 or 3 · Step 1, Choose a time period with lower interest rates. Watch the market to see how the interest rates are going up and down. When the market reaches rates that are lower than what you’re paying, that’s a good time to refinance.[1]Step 2, Pick a fixed-rate rate over a variable one. When you refinance, make sure you choose a fixed-rate mortgage. If you are currently on a variable-rate.

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