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: 07/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.106% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.627 Points$2,006 Points Fee
$4,001 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.106% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$8,362 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.118% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,182 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.124% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$4,250 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.210% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.901 Points$2,883 Points Fee
$2,883 Total Fees$0 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 35 day rate lock $1,945 Payment per month
0.866 Points$2,771 Points Fee
$4,166 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.253% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.786 Points$2,515 Points Fee
$8,715 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.748 Points$2,394 Points Fee
$4,394 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.260% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.725 Points$2,320 Points Fee
$4,615 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.328% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$2,650 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.361% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.743 Points$2,378 Points Fee
$3,773 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.387% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.983 Points$3,146 Points Fee
$4,640 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.886 Points$2,835 Points Fee
$4,163 Total Fees$1,328 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
ATTN Homebuyers: explore all your options.
Numbers you can trust
6.216% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.967 Points$3,094 Points Fee
$3,094 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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