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Down payments of as little as 3 percent are allowed, but you can get a better rate by putting down more. Putting down 20 percent or more will allow you to avoid paying for private mortgage insurance (PMI), which can add an annual cost of an additional one-half to one percent of your loan amount to your mortgage payments. You can cancel PMI on Michigan home loans once you reach 20 percent equity on a conventional loan, although with an FHA loan you need to carry it for the life of the loan if you put down less than 10 percent. For qualified veterans and active duty members of the military, VA loans offer attractive mortgage credits, flexible credit requirements and require no down payment in most cases, up to fairly generous lending limits. Refinance rates in Michigan There's really no different between refinance rates and other mortgage rates in Michigan. It doesn't matter if you're buying a home or refinancing it – the mortgage rate you get should be the same, assuming the key elements of the loan are the same – your credit score, debt-to-income ratio, discount points paid, etc.

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