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: 02/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.489% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.933 Points$2,986 Points Fee
$4,174 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.608% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.825 Points$2,640 Points Fee
$3,835 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.735% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.805 Points$2,576 Points Fee
$3,871 Total Fees$1,295 Lender Fees
 30 Years Fixed
5.829% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.864 Points$2,765 Points Fee
$2,765 Total Fees$0 Lender Fees
 30 Years Fixed
5.938% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.809 Points$2,589 Points Fee
$4,084 Total Fees$1,495 Lender Fees
 30 Years Fixed
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5.705% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.883 Points$2,826 Points Fee
$2,826 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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