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The monthly payment, total cost and APR of a mortgage or any loan, with insurance and fees, how much you can borrow on your income, an early repayment and the full schedule
The effective rate (APR) counts the interest, the insurance and the fees, compounded over a year: the figure to compare offers by, as the French TAEG or the EU's APRC. A US lender's APR is the same cost, not compounded.
Your contract may charge for it: in France at most 6 months of interest on the sum repaid, and no more than 3% of the balance left before it; nothing for a loan at a variable rate. Insurance charged on the amount borrowed stays the same until the loan ends.