At LoanGuys.com, transparency is a core part of how we do business.
We believe real estate investors deserve to know exactly what they’re paying for — no surprises, no hidden costs, and no fine print.
💰 Common Fees in DSCR Loans
Like any mortgage, DSCR loans include standard costs that cover origination, processing, and third-party services.
Here’s a breakdown of what you can typically expect:
Fee Type | Description | Typical Range |
Origination Fee | Charged by the lender or broker for setting up your loan | 0.5% – 2.5% of loan amount |
Appraisal Fee | Professional valuation of the property | $500 – $1,000 |
Processing / Underwriting | Covers documentation and credit review | $995 – $1,500 |
Title & Escrow Fees | Legal title transfer and settlement | Varies by state |
Prepaid Interest | Interest collected upfront for the month of closing | Based on loan amount |
Recording & Notary Fees | County-level recording charges | $100 – $300 |
All of these fees are fully disclosed upfront in your official Loan Estimate (LE) and Closing Disclosure (CD) before you sign.
⚙️ What’s Not Hidden — But Often Overlooked
Some costs aren’t “hidden,” but they can catch new investors off guard if not explained clearly:
Discount Points: Optional fee paid upfront to lower your interest rate.
Prepayment Penalties: Some DSCR loans include a 1–5 year penalty if paid off early.
Third-Party Closing Costs: Title, escrow, and recording vary depending on location.
Your loan advisor will walk through each of these line by line so you understand your total cost.
💡 Fee Transparency at LoanGuys.com
We make fee transparency a priority. You’ll receive:
A Loan Estimate (LE) within 3 days of application
A Closing Disclosure (CD) before signing final documents
A clear explanation of every line item — in plain English
If another lender’s quote looks “too good to be true,” ask for a full Loan Estimate. Hidden fees often appear only at closing.
🧠 Key Takeaway
There are no hidden fees with LoanGuys.com — just clearly explained, standard costs that come with every real estate loan.
Our goal is to help you understand your total investment from day one so you can close with confidence.