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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Today's Michigan Mortgage Rates in the HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $200,000 Refinance loan.
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Michigan Mortgages

Michigan offers diverse real estate opportunities, with bargain home sales as well as rising home equity values in some suburban markets. HSH.com offers localized information on Michigan mortgage rates to help you navigate home financing, whether you're looking to land a good deal in a market of declining home prices or to take out a home equity loan.

HSH.com's rich resources give you a comprehensive understanding of your mortgage options in Michigan:

  • Check out current MI mortgage rates.
  • Evaluate the numbers using a mortgage calculator, which helps you anticipate monthly payments, your income eligibility, and more.
  • Finally, contact a Michigan mortgage lender to explore purchase, refinance, or home equity loan options

Together, these MI mortgage rates and resources offer a solid basis for your home financing decisions.

Michigan Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2022 Conforming loan limits for Michigan

County Name One Family Two Family Three Family Four Family
Alcona County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Alger County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Allegan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Alpena County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Antrim County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Arenac County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Baraga County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Barry County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bay County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Benzie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Berrien County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Branch County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Calhoun County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cass County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Charlevoix County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cheboygan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chippewa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clare County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clinton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Crawford County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Delta County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dickinson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Eaton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Emmet County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Genesee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gladwin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gogebic County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Grand Traverse County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gratiot County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hillsdale County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Houghton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Huron County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ingham County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ionia County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Iosco County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Iron County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Isabella County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jackson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Kalamazoo County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Kalkaska County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Kent County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Keweenaw County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lake County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lapeer County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Leelanau County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lenawee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Livingston County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Luce County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mackinac County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Macomb County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Manistee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Marquette County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mason County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mecosta County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Menominee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Midland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Missaukee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Monroe County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Montcalm County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Montmorency County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Muskegon County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Newaygo County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Oakland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Oceana County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ogemaw County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ontonagon County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Osceola County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Oscoda County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Otsego County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ottawa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Presque Isle County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Roscommon County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Saginaw County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Sanilac County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Schoolcraft County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Shiawassee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
St. Clair County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
St. Joseph County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Tuscola County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Van Buren County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Washtenaw County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wayne County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wexford County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
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