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: 12/31/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.754% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.921 Points$2,947 Points Fee
$4,547 Total Fees$1,600 Lender Fees
 5 Years ARM
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.879 Points$2,813 Points Fee
$2,813 Total Fees$0 Lender Fees
 5 Years ARM
6.186% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 5 Years ARM
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5.325% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.840 Points$2,688 Points Fee
$2,688 Total Fees$0 Lender Fees
 5 Years ARM
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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.
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