Enter the loan amount, loan fees, and interest rate to calculate what your loan's APR is. Loan fees should include all upfront lender and third party fees. Don't include prepaids like funding an escrow or annual property insurance. Years to Repay is automatically set to the length of the loan product you choose, but can be set shorter (ie set this to 5 if you plan on moving 5 years from now and want to see how shortening time effects your actual APR). Check out the MortgageHog APR Guide if you want to learn more about APR and what goes into the calculations.