Rates & Fees Information
Important Notice About Rates & Fees
mortalloans.com does not set, control, or determine loan rates, fees, or terms. We are a connecting service that matches consumers with potential lenders.
All rates, fees, and loan terms are determined solely by individual lenders based on their underwriting criteria, your credit profile, loan amount, loan term, and state regulations.
What We Cannot Provide
As a connecting service, we cannot:
- Quote specific interest rates or APRs
- Guarantee any particular fee structure
- Provide exact loan payment amounts
- Negotiate rates or fees on your behalf
- Determine final loan terms
All rate and fee information must come directly from the lender who makes you a loan offer.
Common Types of Loan Fees
Origination Fees
One-time fees charged by lenders to process a new loan application. Typically expressed as a percentage of the loan amount.
Late Payment Fees
Charges applied when a loan payment is received after the due date. Amounts vary by lender and may be subject to state limits.
Prepayment Fees
Some lenders charge fees if you pay off your loan early. Not all lenders charge prepayment penalties.
NSF/Returned Payment Fees
Fees charged when a payment is returned due to insufficient funds or other banking issues.
Understanding Annual Percentage Rate (APR)
APR is the total cost of credit expressed as a yearly rate. It includes:
- The interest rate charged on the loan
- Origination fees and other finance charges
- Certain other costs of credit
APR provides a more accurate comparison of loan costs than interest rate alone. Always review the APR when comparing loan offers.
State Regulations & Limits
States regulate maximum interest rates and fees lenders can charge. These limits vary significantly by state and may depend on:
- Loan amount
- Loan term
- Type of loan
- Borrower's income or military status
Important: Some states have strict limits on rates and fees, while others have fewer restrictions. Lenders must comply with the regulations of both their licensing state and your state of residence.
Understanding Loan Costs
The total cost of a loan depends on several factors:
| Factor | Impact on Cost |
|---|---|
| Credit Score | Higher scores typically get lower rates |
| Loan Amount | Larger loans may have different rate structures |
| Loan Term | Longer terms often have higher total interest costs |
| Loan Type | Different loan products have different fee structures |
| State Regulations | Legal limits affect maximum rates and fees |
Last Updated: September 2026
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Rate Notice: We do not provide rate quotes. All rate and fee information comes directly from lenders after you submit your information.