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: 02/14/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.442% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.746 Points$2,387 Points Fee
$2,387 Total Fees$0 Lender Fees
 30 Years Fixed
5.503% APR 5.375% Rate 15 day rate lock $1,792 Payment per month
0.803 Points$2,570 Points Fee
$4,565 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.707% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.897 Points$2,870 Points Fee
$2,870 Total Fees$0 Lender Fees
 30 Years Fixed
5.727% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.775 Points$2,480 Points Fee
$3,668 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.741% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.869 Points$2,781 Points Fee
$4,076 Total Fees$1,295 Lender Fees
 30 Years Fixed
5.761% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.825% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.208% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.890 Points$2,848 Points Fee
$2,848 Total Fees$0 Lender Fees
 30 Years Fixed
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5.686% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.671 Points$2,147 Points Fee
$2,147 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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