{"publisher":"RateVerdict","state":"Michigan","page":"https://rateverdict.com/mortgage-rates/michigan","methodology":"https://rateverdict.com/methodology","license":"https://rateverdict.com/terms","scenario":"$400,000 30-year fixed refinance with 780 or higher credit, Michigan property","notice":"Priced for one named scenario from live lender rate sheets. Not a rate lock or an offer to lend.","payments":"Monthly payments shown are principal and interest only, for 360 monthly payments on a $400,000 loan at the rate shown. They do not include taxes, homeowners insurance or mortgage insurance, so the actual monthly payment will be greater.","pricedOn":"2026-11-04","pricedAt":"2026-11-04T17:05:20.137+00:00","rows":[{"rate":6.125,"apr":6.382,"points":2.005,"pointsDollars":8020,"monthlyPI":2430},{"rate":6.25,"apr":6.466,"points":1.516,"pointsDollars":6064,"monthlyPI":2463},{"rate":6.375,"apr":6.527,"points":0.793,"pointsDollars":3172,"monthlyPI":2495},{"rate":6.5,"apr":6.604,"points":0.25,"pointsDollars":1000,"monthlyPI":2528},{"rate":6.625,"apr":6.708,"points":-0.304,"pointsDollars":-1216,"monthlyPI":2561},{"rate":6.75,"apr":6.836,"points":-0.739,"pointsDollars":-2956,"monthlyPI":2594},{"rate":6.875,"apr":6.964,"points":-1.311,"pointsDollars":-5244,"monthlyPI":2628},{"rate":7,"apr":7.09,"points":-1.748,"pointsDollars":-6992,"monthlyPI":2661},{"rate":7.125,"apr":7.216,"points":-2.171,"pointsDollars":-8684,"monthlyPI":2695},{"rate":7.375,"apr":7.469,"points":-2.658,"pointsDollars":-10632,"monthlyPI":2763},{"rate":7.5,"apr":7.586,"points":-3.086,"pointsDollars":-12344,"monthlyPI":2794},{"rate":7.625,"apr":7.723,"points":-3.48,"pointsDollars":-13920,"monthlyPI":2831}]}