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: 08/11/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.342% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.356 Points$1,139 Points Fee
$3,134 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.370% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,182 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.407% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.943 Points$3,018 Points Fee
$5,313 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.427% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.550 Points$1,760 Points Fee
$1,760 Total Fees$0 Lender Fees
 30 Years Fixed
6.495% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.926 Points$2,963 Points Fee
$4,151 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.503% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.752 Points$2,406 Points Fee
$8,606 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.505% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.740 Points$2,368 Points Fee
$4,368 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.511% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.994 Points$3,181 Points Fee
$4,576 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.584% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.436 Points$1,395 Points Fee
$2,790 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.620% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
6.454% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.826 Points$2,643 Points Fee
$2,643 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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