Stay Ahead of the Market.
Never Miss a Rate Move.
Live mortgage rates, breaking mortgage news, rate alerts straight to your inbox, and free tools to help you make the right call -- whether you're buying, refinancing, or just watching.
Mortgage rates change daily -- sometimes multiple times a day. The homeowners and buyers who get the best outcomes are the ones who are watching. Use the live rate and news widgets below to stay current, sign up for alerts when rates move, and bookmark this page as your go-to mortgage resource hub.
Today's Mortgage Rates + Live News
Live data from Mortgage News Daily -- updated throughout the day.
Get Rate Alerts Straight to Your Inbox
Rates move fast. Be the first to know when it's time to act -- not the last.
Stay 1 Step Ahead of Mortgage Rates
Drop your info below. We'll reach out when rates move in a direction worth paying attention to. No spam. No pressure. Just useful information when it matters.
By submitting, you agree to be contacted by Kirby and Angie Mortgage Loan Team at Union Home Mortgage regarding mortgage rate information. We do not sell your information. You can opt out at any time.
Free Mortgage Tools & Resources
Everything in one place. No email required to use any of these.
Mortgage Payment Calculator
Estimate your monthly payment including taxes, insurance, and PMI. Adjust for any loan type or down payment amount.
Refinance Savings Calculator
See your new payment, monthly savings, and exact break-even point before you commit to a refinance.
Today's Michigan Mortgage Rates
Check current rates for conventional, FHA, VA, USDA, and jumbo loans. Updated daily.
Quick Pre-Qualification
Find out what you qualify for in minutes. No hard credit pull, no commitment -- just a real number you can shop with.
Michigan Loan Options Guide
Conventional, FHA, VA, USDA, jumbo, construction, manufactured -- see which loan type fits your situation.
Free Refinance Review
Not sure if a refi makes sense? Submit your current loan details and we'll tell you honestly whether the numbers work.
What's Your Real Buying Power?
Skip the guesswork. A free 10-minute consultation with Kirby or Angie gives you an actual number based on your real income, debt, and credit -- not a generic online estimate.
Straight Answers to Common Rate Questions
The questions we get every week -- answered without the fluff.
Do I need a perfect credit score to get a good rate?
No. Rates are tiered by credit score, but you don't need 800+ to get a competitive rate. Most conventional programs have strong pricing at 740+. FHA loans are often competitive for scores in the 620-680 range. The best move is to know your score before you start shopping so we can tell you exactly where you land.
Why is my neighbor's rate different from mine?
Rates are personal. Credit score, down payment percentage, loan amount, loan type, property type, and occupancy all affect your rate. Two people buying in the same neighborhood on the same day can have meaningfully different rates. The rate you see advertised is almost never the rate you'll actually get -- that's why a real quote matters.
Should I wait for rates to drop before buying?
Timing the market is a losing game for most buyers. Rates may drop -- or they may not, or they may rise first. If the payment works for your budget today and you're buying a home you plan to stay in, waiting for a lower rate often costs more in appreciation than you'd save in interest. You can always refinance when rates drop.
What is a mortgage rate lock and when should I lock?
A rate lock guarantees your interest rate for a set period -- typically 30-60 days -- while your loan processes. Once you're under contract and moving toward closing, locking protects you from rate increases. Whether to lock immediately or float is a judgment call based on market conditions -- it's a conversation we have with every client.
What's the difference between interest rate and APR?
Your interest rate is the cost of borrowing the money. APR (Annual Percentage Rate) includes the interest rate plus certain fees, spread across the loan term. APR is useful for comparing loans side by side. The gap between rate and APR narrows on larger loans and widens on smaller ones where fees represent a bigger percentage of the total.
Can I buy points to get a lower rate?
Yes. Paying discount points upfront lowers your interest rate for the life of the loan. One point typically costs 1% of the loan amount. Whether it's worth it depends on how long you plan to keep the loan -- the longer you stay, the more sense it makes to buy the rate down. We run the break-even math on this for every client who asks.
More Questions About Mortgage Rates
Have a Rate Question We Didn't Answer?
Call, text, or schedule a free consultation. We pick up the phone and give you straight answers -- not a sales pitch.
Kirby and Angie Mortgage Loan Team | Union Home Mortgage | NMLS #2229229 | Angie Anderson NMLS #1999286 | Kirby Slocum NMLS #680817 | Licensed in Michigan, Ohio, and Indiana. Equal Housing Lender. Rate information is for educational purposes only and does not constitute a commitment to lend. Mortgage rates change daily and are subject to credit approval, underwriting, and individual borrower qualifications. Programs and rates subject to change without notice.
