There are no “set” fee schedules. However, hard money loans generally cost 4-5 points. One point equals 1% of the loan amount. Some or all of these points may have to be paid up-front, but many times we will let you build the points into the back of the loan (we will increase the loan amount to cover the points). You will have to pay for an appraisal of the property, some document preparation fees, and perhaps some underwriting and/or application fees. Any required fees will be disclosed to you up-front.