Home Mortgage Loan Ratesin Michigan

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Michigan and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 03/23/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.058% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.098% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.535 Points$1,712 Points Fee
$3,707 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.120% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.925 Points$2,960 Points Fee
$4,135 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.126% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.919 Points$2,941 Points Fee
$4,336 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.184% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.635 Points$2,032 Points Fee
$2,032 Total Fees$0 Lender Fees
 30 Years Fixed
6.237% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.612 Points$1,958 Points Fee
$8,158 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.242% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.619 Points$1,981 Points Fee
$3,981 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
America's #1 Retail Lender (Scottsman Guide)
6.189% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.689 Points$2,205 Points Fee
$2,205 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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