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28/12/2019 · 2019 Hard Money Loan Rates The current hard money loan rates in 2019 have ranged from percent to 15 percent. Hard money loan lenders have the option to charge points on your loan, as well. Points are sometimes called origination fees that cover the administrative costs of the loan and helps mitigate any risk or hit the lender may average interest rates charged on hard money loans are between 11 and 18 percent of the total amount of the loan. This rate is more than twice the average rate on a conventional mortgage, which is can fall between 4 and 6 percent of the total loan ;· There is also a much wider range of available rates for a hard money loan. According to Freddie Mac, the average 30-year fixed mortgage rate is APR as of July 22. By contrast, the average interest rate for a hard money loan can range from 7% to 15% money loans have a rate of 10 percent to 18 percent. Meanwhile, traditional commercial loans typically have rates between pe