{"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.","days":[{"pricedOn":"2026-11-04","firstRate":6.125,"firstRateApr":6.382,"firstRatePointsDollars":8020,"nearZeroRate":6.5,"nearZeroApr":6.604,"nearZeroPointsDollars":1000},{"pricedOn":"2026-11-03","firstRate":6.125,"firstRateApr":6.393,"firstRatePointsDollars":8408,"nearZeroRate":6.625,"nearZeroApr":6.709,"nearZeroPointsDollars":-352},{"pricedOn":"2026-11-02","firstRate":6.125,"firstRateApr":6.378,"firstRatePointsDollars":7716,"nearZeroRate":6.5,"nearZeroApr":6.604,"nearZeroPointsDollars":872},{"pricedOn":"2026-10-30","firstRate":6.125,"firstRateApr":6.401,"firstRatePointsDollars":8568,"nearZeroRate":6.625,"nearZeroApr":6.717,"nearZeroPointsDollars":-844},{"pricedOn":"2026-10-29","firstRate":6.25,"firstRateApr":6.511,"firstRatePointsDollars":7640,"nearZeroRate":6.625,"nearZeroApr":6.723,"nearZeroPointsDollars":224},{"pricedOn":"2026-10-28","firstRate":6.25,"firstRateApr":6.524,"firstRatePointsDollars":8264,"nearZeroRate":6.75,"nearZeroApr":6.845,"nearZeroPointsDollars":-848},{"pricedOn":"2026-10-27","firstRate":6.25,"firstRateApr":6.533,"firstRatePointsDollars":8560,"nearZeroRate":6.75,"nearZeroApr":6.846,"nearZeroPointsDollars":-864},{"pricedOn":"2026-10-26","firstRate":6.25,"firstRateApr":6.535,"firstRatePointsDollars":8604,"nearZeroRate":6.75,"nearZeroApr":6.849,"nearZeroPointsDollars":-708},{"pricedOn":"2026-10-23","firstRate":6.25,"firstRateApr":6.488,"firstRatePointsDollars":8640,"nearZeroRate":6.75,"nearZeroApr":6.794,"nearZeroPointsDollars":-584},{"pricedOn":"2026-10-22","firstRate":6.375,"firstRateApr":6.577,"firstRatePointsDollars":6776,"nearZeroRate":6.75,"nearZeroApr":6.799,"nearZeroPointsDollars":-336},{"pricedOn":"2026-10-21","firstRate":6.375,"firstRateApr":6.611,"firstRatePointsDollars":8232,"nearZeroRate":6.75,"nearZeroApr":6.826,"nearZeroPointsDollars":1136},{"pricedOn":"2026-10-20","firstRate":6.375,"firstRateApr":6.619,"firstRatePointsDollars":8460,"nearZeroRate":6.875,"nearZeroApr":6.929,"nearZeroPointsDollars":-1224},{"pricedOn":"2026-10-19","firstRate":6.375,"firstRateApr":6.631,"firstRatePointsDollars":8876,"nearZeroRate":6.875,"nearZeroApr":6.93,"nearZeroPointsDollars":-788},{"pricedOn":"2026-10-16","firstRate":6.25,"firstRateApr":6.523,"firstRatePointsDollars":9480,"nearZeroRate":6.75,"nearZeroApr":6.812,"nearZeroPointsDollars":-368},{"pricedOn":"2026-10-15","firstRate":6.25,"firstRateApr":6.524,"firstRatePointsDollars":9480,"nearZeroRate":6.75,"nearZeroApr":6.814,"nearZeroPointsDollars":-368},{"pricedOn":"2026-10-14","firstRate":6.5,"firstRateApr":6.771,"firstRatePointsDollars":9092,"nearZeroRate":7,"nearZeroApr":7.066,"nearZeroPointsDollars":-648},{"pricedOn":"2026-10-13","firstRate":6.5,"firstRateApr":6.744,"firstRatePointsDollars":7864,"nearZeroRate":6.875,"nearZeroApr":6.951,"nearZeroPointsDollars":408},{"pricedOn":"2026-10-12","firstRate":6.5,"firstRateApr":6.782,"firstRatePointsDollars":9440,"nearZeroRate":7,"nearZeroApr":7.07,"nearZeroPointsDollars":-752}]}