For a Conventional loan of $250,000.00, with a 5 interest rate, 1 points, and 30 term, plus all other supplied fees and mortgage insurance premiums, your annual percentage rate - APR - for this loan will be 5.088%. You will incur total fees and charges of approximately $2,500.00.Furthermore, you can expect your monthly mortgage insurance to terminate in month 136 because at that point, your loan-to-value (LTV) ratio will drop below 78%. This means your remaining balance will be below 78% of $250,000.00 in month 136. APR is important to know because your APR is your "true" interest rate for your loan, primarily because it includes non-interest charges and fees.