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: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.710% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.780 Points$2,496 Points Fee
$2,995 Total Fees$499 Lender Fees
 30 Years Fixed
5.821% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.777 Points$2,486 Points Fee
$2,486 Total Fees$0 Lender Fees
 30 Years Fixed
5.842% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.649 Points$2,077 Points Fee
$3,964 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.872% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,250 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.883% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.824 Points$2,637 Points Fee
$4,637 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.936% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.655 Points$2,096 Points Fee
$2,096 Total Fees$0 Lender Fees
 30 Years Fixed
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$2,301 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$2,795 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.104% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.500 Points$1,600 Points Fee
$3,595 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.851 Points$2,723 Points Fee
$4,051 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.209% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.681 Points$2,179 Points Fee
$2,879 Total Fees$700 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.820% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.763 Points$2,442 Points Fee
$2,442 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.
Family moving in