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: 05/01/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.987% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.884 Points$2,829 Points Fee
$4,017 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.993% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.652 Points$2,086 Points Fee
$4,081 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.104% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$3,575 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.780 Points$2,496 Points Fee
$3,891 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.135% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$4,650 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.147% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.828 Points$2,650 Points Fee
$9,450 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.206% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.864 Points$2,765 Points Fee
$2,765 Total Fees$0 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.265% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.346% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.609 Points$1,949 Points Fee
$3,244 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.363% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.734 Points$2,349 Points Fee
$3,843 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.423% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.504 Points$1,613 Points Fee
$1,613 Total Fees$0 Lender Fees
 30 Years Fixed
6.606% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.745 Points$2,384 Points Fee
$3,879 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.189% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.683 Points$2,186 Points Fee
$2,186 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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