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Featured Home Equity Rates in Michigan

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Better.com NMLS ID: 330511 / Updated 2026-03-02 Equal Housing Lender

  Get a cash estimate in as little as 3 min — no credit hit.

  $0

  One Day HELOC™: 24-hr approval, cash in 7 days. AI shops lenders to find you the best rate. Tap up to 90% equity — simple online process. Fastest-growing digital HELOC lender in U.S. Learn More

• Third Federal Savings and Loan NMLS ID: 449401 / Updated 2026-03-02 Equal Housing Lender

  Intro APR: 6.240 % After Intro:6.240 %

  $0

  Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2025-09-30

  Intro APR: 6.740 % After Intro:6.740 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-02-12 Equal Housing Lender

  Intro APR: 7.250 % After Intro:7.250 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-02-11

  Intro APR: 7.770 % After Intro:7.770 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• Renofi NMLS ID: 1802847 / Updated 2026-03-02

  Renovating? Work with experts in renovation financing

  $0

  Renovating? Work with experts in renovation financing Borrow up to 125% on your current home value to finance renovations Loans up to $750k with competitive rates from Credit Unions Borrow more than a typical HELOC Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-03-02

  Get up to $600k with no monthly payments, ever.

  $0

  Use your funds your way No income verification - ideal for self-employment or retirement planning Enjoy maximum flexibility - 30 year term, no prepayment penalties Home Equity Investments are not considered a loan in all states Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-03-02

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-03-02 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-03-02

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-03-02

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• 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 .

Featured 30-Year Fixed Mortgage Rates in Michigan

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Refi.com NMLS ID: 1907

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance Learn More

• Midwest Mortgage Lending NMLS ID: 2262032 License#: FL0023982

  5.631%

  $1,817 Fees & Points $4,650 Total 0.625 Pts ($2,000) $2,650 Fees

  live rates online at midwestmrtg.com Learn More

• Barrett Financial Group, L.L.C. NMLS ID: 181106

  5.646%

  $1,817 Fees & Points $5,290 Total 1.000 Pts ($3,200) $2,090 Fees

  Get a customized quote in minutes. Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  5.652%

  $1,792 Fees & Points $9,942 Total 0.982 Pts ($3,142) $6,800 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• West Capital Lending NMLS ID: 1566096

  5.739%

  $1,843 Fees & Points $4,005 Total 0.847 Pts ($2,710) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• Revix NMLS ID: 2684156 License#: FL0026666

  5.781%

  $1,868 Fees & Points $1,188 Total 0.000 Pts ($0) $1,188 Fees

  Refi faster and cut your monthly cost Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  5.835%

  $1,868 Fees & Points $2,982 Total 0.932 Pts ($2,982) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• Refi.com NMLS ID: 1907 License#: Michigan

  5.938%

  $1,893 Fees & Points $2,202 Total 0.688 Pts ($2,202) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• Better.com NMLS ID: 330511

  5.968%

  $1,893 Fees & Points $3,216 Total 0.694 Pts ($2,221) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• Strength Financial NMLS ID: 2337822

  5.978%

  $1,893 Fees & Points $3,575 Total 0.750 Pts ($2,400) $1,175 Fees

  Hi, I'm Ryan! Buying a house is easier than you might think! Learn More

• New American Funding, LLC. NMLS ID: 6606

  6.092%

  $1,919 Fees & Points $3,162 Total 0.988 Pts ($3,162) $0 Fees

  Direct Lender offering low rates, fast closings, and impeccable service FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage All-inclusive Direct Lender – no broker fees Learn More

• Filo Mortgage, L.L.C. NMLS ID: 1928741

  6.344%

  $1,971 Fees & Points $3,174 Total 0.992 Pts ($3,174) $0 Fees

  FIll in Learn More

• SoFi NMLS ID: 696891

  6.483%

  $1,997 Fees & Points $3,642 Total 0.671 Pts ($2,147) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• Rocket Mortgage NMLS ID: 3030

  Fees & Points Total Pts ($0) $0 Fees

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  Fees & Points Total Pts ($0) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• 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 .