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: 04/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.977% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.481 Points$1,539 Points Fee
$3,534 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.990% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,218 Total Fees$1,818 Lender Fees
 30 Years Fixed
5.999% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.996 Points$3,187 Points Fee
$4,375 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.075% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.622 Points$1,990 Points Fee
$3,040 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.105% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.771 Points$2,467 Points Fee
$3,662 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.119% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.893 Points$2,858 Points Fee
$4,240 Total Fees$1,382 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
6.143% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.791 Points$2,531 Points Fee
$9,331 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.147% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,050 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.188% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.672 Points$2,150 Points Fee
$2,150 Total Fees$0 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,983 Total Fees$1,183 Lender Fees
 30 Years Fixed
6.244% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.869 Points$2,781 Points Fee
$4,076 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.845 Points$2,704 Points Fee
$4,099 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.277% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.532 Points$1,702 Points Fee
$2,697 Total Fees$995 Lender Fees
 30 Years Fixed
6.619% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.881 Points$2,819 Points Fee
$4,314 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.189% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.684 Points$2,189 Points Fee
$2,189 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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