Home Mortgage Loan Ratesin Michigan

Planning on purchasing a new home? 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 home loan to ensure you get the best rate and pricing.

(Last Updated: 10/25/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.763% APR 6.624% Rate 15 day rate lock $2,049 Payment per month
0.817 Points$2,614 Points Fee
$4,609 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.772% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.300 Points$960 Points Fee
$5,073 Total Fees$4,113 Lender Fees
 30 Years Fixed
6.840% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.925 Points$2,960 Points Fee
$2,960 Total Fees$0 Lender Fees
 30 Years Fixed
6.853% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.800 Points$2,560 Points Fee
$7,555 Total Fees$4,995 Lender Fees
 30 Years Fixed
6.855% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.750 Points$2,400 Points Fee
$3,450 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.877% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.589 Points$1,885 Points Fee
$4,180 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.879% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.984 Points$3,149 Points Fee
$4,337 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.969% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.625 Points$2,000 Points Fee
$3,050 Total Fees$1,050 Lender Fees
 30 Years Fixed
7.009% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.730 Points$2,336 Points Fee
$8,536 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.044% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.550 Points$1,760 Points Fee
$1,760 Total Fees$0 Lender Fees
 30 Years Fixed
7.094% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.657 Points$2,102 Points Fee
$3,553 Total Fees$1,451 Lender Fees
 30 Years Fixed
7.139% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.942 Points$3,014 Points Fee
$4,508 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.148% APR 7.000% Rate 45 day rate lock $2,129 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.181% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
Numbers you can trust
Buy with a $0 down payment when you qualify for a VA Loan
ATTN Homebuyers: explore all your options.
As low as 0% down options & down payment assistance
6.942% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.682 Points$2,182 Points Fee
$2,182 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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