how much will I have to pay for a thirteen thousand dollar loan.

Too much for a mortgage, you'd be better off taking out a personal loan even at a high interest rate because the fees are so high the effective rate on a mortgage would be too high to make sense. If you're determined to get a mortgage, try a local credit union or community bank - they are likely the best and possibly only source for such a small mortgage.

Most mortgage lenders do not lend under $50,000. Notice I used the word most. There are some credit unions who retain their own loans and do not sell them in the secondary market. Go into a local credit union where you live and speak to a loan officer. Best of Luck.

If you are referring to a thirteen thousand dollar on your current home, as most of us would be thinking since we are mortgage brokers/planners/bankers, that is a small enough amount that a heloc is highly recommended. Rates have been low for many years now and expectations of future hikes are very modest as most of us expect fairly low rates to hang around for at least the next few years, so the idea that the very low rate helocs available tend to be adjustable loans seems to be no big deal...depending on each borrower's decision on how risky is it to them."Even if you paid off the $13,000 loan very slowly the payment is not likely to change much to affect your ability to pay." Relatively large heloc loans people are likely to be more concerned about an adjustable rate, eventually.

In my lengthy response on obtaining a heloc I did leave out the primary answer to your question: you can obtain a heloc at a large federal bank or credit union usually at under $500 total cost added to your loan.