I get mortage loan $63000, and I need to pay $2276 every 3 months for 15 years.
Does anyone know on how to determine the interest rate using RATE function?

=RATE(60,2276,0,-63000) = -3%, which don't seem right

Does anyone know how to apply RATE function in this case?
Could anyone please give me any suggestion?
Thank for any suggestion
Eric