Help Needed - Legal Financial Question

Hi. I am not sure if this is the right place to post this question. I am going to start lending money in a niche market. (Owner occupied residents) The loans resemble hard money, but they are for owner occupied residential properties. Although, I know these loans have different rules than hard money. What am I allowed to charge and not transgress usery laws? (I am charging a combination of rate and points.) Any help would be appreciated. - Charlie