Carson City, MI Mortgage Rates January 2021

Carson City, Michigan Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Carson City, MI. Our rate table has a list of Carson City, Michigan mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Carson City, MI you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Carson City, MI include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Carson City, MI listed below.

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5 year ARM refi 7 year ARM refi 10 year ARM refi 3 year ARM refi 5 year ARM refi I/O 7 year ARM refi I/O 3 year ARM refi I/O	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Adrian-Tecumseh Alpena Ann Arbor Benton Harbor-Niles Detroit Grand Rapids Ishpeming Kalamazoo-Battle Creek Lansing-East Lansing Livonia Marquette Petoskey Saginaw-Bay City-Midland Sterling Heights Traverse City-Cadillac Warren		$	All 0 0.1 - .5 .6 - 1 1.1 - 1.5 1.6 - 2 2.1 - 2.5 2.6 - 3	350 - 619 620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 850	5% 10% 15% 20% 25% 30% 40%

in 58912, All points, 740    Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.625%

2.625%

USD

NMLS # 1168
State Lic # FR0018107

2.625%

01/26/2021

2.625%

at -0.375 pts
30 day lock rate

Est payment: $1,205

Fees in APR: ($1,068)

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.459%

2.375%

USD

NMLS # 1168
State Lic # FR0018107

2.459%

01/26/2021

2.375%

at 1.125 pts
30 day lock rate

Est payment: $1,166

Fees in APR: $3,348

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.521%

2.500%

USD

NMLS # 1168
State Lic # FR0018107

2.521%

01/26/2021

2.500%

at 0.250 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $807

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Reali Loans, Inc.

Reali Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112500.gif

300000

Purchase

2.903%

2.750%

USD

NMLS # 991397

2.903%

01/26/2021

2.750%

at 2.000 pts
60 day lock rate

Est payment: $1,225

Fees in APR: $6,000

Convenient. No fees. Completely online

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif

300000

Purchase

2.450%

2.250%

USD

NMLS # 1717824

2.450%

01/26/2021

2.250%

at 2.000 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $8,550

Put your money where you need it sooner.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corp

AmeriSave Mortgage Corp

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111245.gif

300000

Purchase

USD

NMLS # 1168

0.000%

01/26/2021

0.000%

at 0.000 pts
0 day lock rate

Est payment:

Fees in APR:

Get a Mortgage Rate Quote Fast

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112504.gif

300000

Purchase

USD

NMLS # 1717824

0.000%

01/26/2021

0.000%

at 0.000 pts
0 day lock rate

Est payment:

Fees in APR:

Apply online in minutes and close in days, not months.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.386%

2.250%

USD

NMLS # 1168
State Lic # FR0018107

2.386%

01/26/2021

2.250%

at 1.875 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $5,478

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.335%

2.125%

USD

NMLS # 1168
State Lic # FR0018107

2.335%

01/26/2021

2.125%

at 2.875 pts
30 day lock rate

Est payment: $1,128

Fees in APR: $8,553

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Reali Loans, Inc.

Reali Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112500.gif

300000

Purchase

2.952%

2.875%

USD

NMLS # 991397

2.952%

01/26/2021

2.875%

at 1.000 pts
60 day lock rate

Est payment: $1,245

Fees in APR: $3,000

Convenient. No fees. Completely online

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Reali Loans, Inc.

Reali Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112500.gif

300000

Purchase

3.125%

3.125%

USD

NMLS # 991397

3.125%

01/26/2021

3.125%

at 0.000 pts
60 day lock rate

Est payment: $1,286

Fees in APR: None

Convenient. No fees. Completely online

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.625%

2.625%

USD

NMLS # 1168
State Lic # FR0018107

2.625%

01/26/2021

2.625%

at -0.375 pts
30 day lock rate

Est payment: $1,205

Fees in APR: ($1,068)

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif

300000

Purchase

2.677%

2.625%

USD

NMLS # 1717824

2.677%

01/26/2021

2.625%

at 0.000 pts
30 day lock rate

Est payment: $1,205

Fees in APR: $2,550

Put your money where you need it sooner.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.521%

2.500%

USD

NMLS # 1168
State Lic # FR0018107

2.521%

01/26/2021

2.500%

at 0.250 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $807

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif

300000

Purchase

2.627%

2.500%

USD

NMLS # 1717824

2.627%

01/26/2021

2.500%

at 1.000 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $5,550

Put your money where you need it sooner.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.459%

2.375%

USD

NMLS # 1168
State Lic # FR0018107

2.459%

01/26/2021

2.375%

at 1.125 pts
30 day lock rate

Est payment: $1,166

Fees in APR: $3,348

Direct Lender. Billions Funded.

 

Next

Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

Carson City, MI Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Michigan. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Carson City, MI mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Carson City, MI mortgage loans that have been made. As a result, Carson City, MI mortgage rates today are lower than jumbo interest rates in Carson City, MI. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Carson City, MI Super Conforming Home Loan Rates

Super conforming mortgages in Carson City, MI are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Carson City, MI Jumbo Loan Interest Rates

Carson City, MI jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Carson City, MI are usually 0.75 basis points higher than conforming mortgage rates in Carson City, MI because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Carson City, MI Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Carson City, MI. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Carson City, MI Adjustable Interest Rates

Carson City, MI adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Carson City, MI Interest Only Home Mortgage Rates

Carson City, MI interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Carson City, MI FHA Mortgage Mortgage Rates

Borrowers in Carson City, MI must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Carson City, MI are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.