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by now you know that a wide range of interest rates are available to you and you can either pay more up front to get a lower interest rate or be paid up front for taking a higher rate in addition to the base interest rate a lender needs to check the rate sheet for the adjustments related to every detail of your loan that will affect your loans pricing in other words what each available interest rate will cost you a full rate sheet is like a small book there can be dozens of pages depending on how many loan programs are available the rate sheet shows all the rates available and their costs for every loan program offered there are sections for conventional loans fha va usda jumbo loans portfolio loans etc there are subsections based on whether the loan is a fixed rate or a variable rate loan and sections for each loan term like 30 15 25 or 20 year loans youll only care about the section with the rate sheet related to the type of loan youre getting once the section with rates relating