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: 07/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.064% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.450 Points$1,440 Points Fee
$2,628 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.101% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.575 Points$1,840 Points Fee
$3,835 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.125% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.950 Points$3,040 Points Fee
$4,422 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.197% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.609 Points$1,949 Points Fee
$7,144 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.199% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.500 Points$1,600 Points Fee
$7,162 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.237% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.897 Points$2,870 Points Fee
$3,920 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.248% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.949 Points$3,037 Points Fee
$4,212 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.309% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$2,115 Total Fees$115 Lender Fees
 30 Years Fixed
6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.960 Points$3,072 Points Fee
$3,072 Total Fees$0 Lender Fees
 30 Years Fixed
6.350% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.746 Points$2,387 Points Fee
$3,623 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.368% APR 6.250% Rate 35 day rate lock $1,971 Payment per month
0.819 Points$2,621 Points Fee
$4,016 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.369% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.820 Points$2,624 Points Fee
$4,019 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.375% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.552 Points$1,766 Points Fee
$8,566 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.603 Points$1,930 Points Fee
$3,424 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.561% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.736 Points$2,355 Points Fee
$2,355 Total Fees$0 Lender Fees
 30 Years Fixed
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6.292% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.444 Points$1,421 Points Fee
$1,421 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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