Ann Arbor, MI Mortgage Rates
Live Mortgage Rates in Ann Arbor, Michigan
6.490%
Ann Arbor Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 8:01 PM UTC
Sourced live from hundreds of wholesale lenders serving Ann Arbor and Michigan
Ann Arbor Benchmark Rates
Lowest available rate with no discount points paid in Ann Arbor, MI for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Ann Arbor, MI | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Ann Arbor, MI | 5.990% | 6.020% |
VA VA Purchase (100% LTV, 680 FICO) · Ann Arbor, MI | 5.990% | 6.020% |
2026 Loan Limits in Michigan
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Michigan counties.
About Ann Arbor Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Ann Arbor, Michigan homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Michigan and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Ann Arbor property.
Your specific Ann Arbor rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Michigan lender network, use the Rate Direct pricer.
Ann Arbor buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Michigan, see the Michigan DPA guide.
Get your personalized Ann Arbor mortgage rate
The rates above are the market benchmark for Ann Arbor. Your actual rate depends on your scenario.