Home Refinance Loan Ratesin Michigan

Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.

(Last Updated: 04/22/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.866% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.642 Points$2,054 Points Fee
$4,049 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.909% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.850 Points$2,720 Points Fee
$5,788 Total Fees$3,068 Lender Fees
 30 Years Fixed
5.983% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.800 Points$2,560 Points Fee
$3,735 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,490 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.945 Points$3,024 Points Fee
$4,419 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.009% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$4,650 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.019% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.827 Points$2,646 Points Fee
$9,446 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.049% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.637 Points$2,038 Points Fee
$2,038 Total Fees$0 Lender Fees
 30 Years Fixed
6.066% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.115% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.876 Points$2,803 Points Fee
$3,998 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.934 Points$2,989 Points Fee
$2,989 Total Fees$0 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.591 Points$1,891 Points Fee
$3,186 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.220% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.682 Points$2,182 Points Fee
$3,370 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.842 Points$2,694 Points Fee
$3,689 Total Fees$995 Lender Fees
 30 Years Fixed
6.502% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.866 Points$2,771 Points Fee
$4,266 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.041% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.543 Points$1,738 Points Fee
$1,738 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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