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: 07/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.505 Points$1,616 Points Fee
$3,611 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.364% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.372% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$8,762 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.397% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.839 Points$2,685 Points Fee
$4,980 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.482% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$3,595 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.495% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.640 Points$2,048 Points Fee
$4,048 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.512% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.843 Points$2,698 Points Fee
$8,898 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.588% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.685 Points$2,192 Points Fee
$3,380 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.566 Points$1,811 Points Fee
$3,206 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
America's #1 Retail Lender (Scottsman Guide)
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
6.466% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.957 Points$3,062 Points Fee
$3,062 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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