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: 01/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.587% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.808 Points$2,586 Points Fee
$3,085 Total Fees$499 Lender Fees
 30 Years Fixed
5.624% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.998 Points$3,194 Points Fee
$4,389 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.814% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.694 Points$2,221 Points Fee
$2,221 Total Fees$0 Lender Fees
 30 Years Fixed
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.607 Points$1,942 Points Fee
$3,270 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.110% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.665 Points$2,128 Points Fee
$4,128 Total Fees$2,000 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.808% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.633 Points$2,026 Points Fee
$2,026 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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