Purchase Loans

Adjustable-Rate Mortgages

Take advantage of lower initial interest rates with our exclusive Adjustable-Rate Mortgage option.

Purchase Loans

Asset Advantage

Use your assets to help qualify for a home loan.

Purchase Loans

Barndominiums

Financing a barndominium is easier than you think with Mortgage Center.

Purchase Loans

Best Score Family Helper Loan

Leverage a family member’s strong credit to help you qualify for better loan terms.

Purchase Loans

Conventional Mortgage Options

A flexible home loan with great rates and terms. Very popular for homebuyers.

Purchase Loans

Doctor Loan

Tailored mortgage program for doctors and medical professionals with flexible terms.

Purchase Loans

Fannie & Freddie Mac Fixed-Rate

Competitive fixed rates backed by Fannie Mae or Freddie Mac — predictable payments for the life of the loan.

Purchase Loans

FHA

Government-backed home loan with flexible credit guidelines and low down payment.

Purchase Loans

Hobby Farm Loan

Mortgage financing for homes with small-scale farming or hobby farm use.

Purchase Loans

Homeready® & Home Possible®

Lower down payments and PMI costs, with more flexibility to fund the purchase of your dream home.

Purchase Loans

Home Renovation Loan

Purchase and renovate your home with one convenient mortgage solution.

Purchase Loans

Jumbo Mortgage

Financing for high-value homes with flexible terms and competitive jumbo mortgage rates.

Purchase Loans

New Start Loan

Second-chance mortgage program for buyers rebuilding their financial future.

Purchase Loans

Non-Warrantable Condo

Mortgage solutions for condos that expand upon traditional lending guidelines.

Purchase Loans

One-Time Close Construction

Finance your build and permanent mortgage with one simple, streamlined construction loan.

Purchase Loans

PMI Saver Loan

Lower or eliminate private mortgage insurance (PMI) costs for greater monthly savings.

Purchase Loans

Right Choice Loan

Low down payment financing for experienced buyers.

Purchase Loans

Veteran Loan

An exclusive VA home loan option for veterans, active-duty service members and eligible military families.

Purchase Loans

Zero Down Payment

Purchase with no down payment and make homeownership more accessible. Perfect for First-time homebuyers.

Refinance Loans

FHA

Simplify your refinance with reduced paperwork.

Refinance Loans

Hobby Farm Loan

Refinance your hobby farm property with flexible loan options designed for unique homes with agricultural use.

Refinance Loans

Max Cash-Out Refinance

Get the most from your home’s equity with a maximum cash-out refinance. Use funds for home improvements, debt consolidation, or major life expenses.

Refinance Loans

Non-Warrantable Condo

Refinance your non-warrantable condo with flexible mortgage options that work for properties outside traditional lending guidelines.

Refinance Loans

One-Time Close Construction

This option can fund construction costs when you already own the land. This option can also pay off an existing land loan, if applicable.

Refinance Loans

PMI Saver Loan

Lower or eliminate PMI costs with our PMI Saver refinance option.

Refinance Loans

Right Choice Loan

Ideal for borrowers who would like expanded qualifying options.

Refinance Loans

Veteran Loan

Saves you money if you’re active military or a veteran by allowing you to put no money down and avoid the cost of mortgage insurance.

Home Equity Loans

Home equity loans are a great way to gain some extra cash for home improvements, debt consolidation, or other big purchases you’re looking to make. Like any loan, it’s important to understand how a home equity loan works before getting one.

Most lenders keep their rates hidden.

View Our Mortgage Rates

At Mortgage Center, we believe in open and honest communication. That’s why we proudly show you our rates upfront so you can make confident, informed decisions.

Current Rates

Lock in today’s competitive rates and start saving on your mortgage. Our team offers fast, reliable options tailored to your needs.

30 Year Fixed-Rate Purchase

Our Rates

Effective Date: July 18, 2025

  • Rate 6.500 %
  • APR 6.646 %
  • Points 0.125

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

15 Year Fixed-Rate Purchase

Our Rates

Effective Date: July 18, 2025

  • Rate 6.250 %
  • APR 6.485 %
  • Points 0.125

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

7/1 ARM

Our Rates

Effective Date: July 18, 2025

  • Rate 5.875 %
  • APR 6.421 %
  • Points 0.125

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

5/1 ARM

Our Rates

Effective Date: July 18, 2025

  • Rate 5.750 %
  • APR 6.482 %
  • Points 0.125

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

5-Year Home Equity Loan

Our Rates

Effective Date: July 18, 2025

  • Rate 6.375 %
  • APR 8.736 %

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

10-Year Home Equity Loan

Our Rates

Effective Date: July 18, 2025

  • Rate 7.500 %
  • APR 8.811 %

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

15-Year Home Equity Loan

Our Rates

Effective Date: July 18, 2025

  • Rate 7.750 %
  • APR 8.702 %

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

One-Time Close Construction Rate

Our Rates

Effective Date: July 18, 2025

  • Rate 6.750 %
  • APR 6.900 %
  • Points 0.125

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

Our mortgage application makes the process simple. Start your journey today!

Assumptions:

The information provided assumes the purpose of the loan is to purchase an existing single family detached home and will be used as a primary residence. The loan amount is $225,000 and the purchase price is $300,000. For Golden Jumbos, the loan amount is $900,000 and the appraised value is $1,200,000. The property is located in Oakland County, Michigan. There is an escrow account for property taxes and homeowners insurance. The rate lock period is 45 days and the assumed credit score is 780 or higher.

The monthly payment amount shown includes only principal and interest. The escrow for property taxes, homeowners insurance, flood and/or mortgage insurance if applicable are not included in the monthly payment amount. Your actual monthly payment will be higher with escrow account included.

The interest rates, APRs and points shown may change throughout the day due to varying market conditions. Rates are subject to change. To get more accurate and personalized results, please call 800-353-4449 to talk with a loan expert.

Know before you borrow

Securing a home loan is a vital step in the journey to achieving your homeownership goals. Loan offers from lenders can vary greatly, and it’s important to understand the costs associated with a mortgage loan, including the monthly payment, closing costs, and down payment amount.

A mortgage is a type of loan used to purchase a home. It’s an agreement between you, the borrower, and a mortgage lender to buy a home without paying all the money upfront. Instead, you pay the lender over time through a series of regular payments.

When you get a mortgage, a lender gives you a certain amount of money to buy a home. You have to pay back this amount (known as the principal) with interest over an agreed-upon period. Once your mortgage is paid off, you’ll have full ownership of the home. Keep in mind that if you don’t pay your mortgage, your lender can foreclose your property.

A loan estimate is a statement provided by a lender that gives you an estimated cost of your home loan. It includes an estimate of the interest rate, monthly payment, and other costs associated with the loan, such as closing costs, lender fees, and more. This estimate gives you a good idea of what to expect when you get your mortgage. It can also help you set a reasonable budget as you search for a home.

When it comes to home loans, there are several options available to accommodate your specific needs. Each loan type comes with different loan terms, interest rates, and benefits. Some common types of home loans include:

  • Fixed-Rate Mortgages: These mortgages have a fixed interest rate for the entire loan term, which can be anywhere from 5 to 40 years. The most common loan terms are 15 and 30-year fixed-rate mortgages.
  • Adjustable-Rate Mortgages (ARMs): ARMs have an interest rate that adjusts after an initial fixed period. They are usually 30-year loans with a 5, 7, or 10-year fixed period.
  • Government-Backed Mortgages: These mortgages are insured by a government agency, such as the Federal Housing Administration (FHA), the Department of Veteran Affairs (VA), or the United States Department of Agriculture (USDA). Each of these loan products has specific eligibility requirements and comes with unique benefits.

Different lenders offer different home loan rates based on the type of loan and your qualifications. The lender will consider factors such as your credit score, debt-to-income ratio, and employment history to determine your eligibility and interest rate.

Making a sizable down payment can also help you secure the best mortgage rate. Conventional down payments are usually 20% of the home’s value. However, the more money you put down, the less you’ll be paying in interest over time.

Lastly, discount points, or more simply, points, can help you decrease your rate. Points are bought by the borrower in an exchange for a discounted rate. Usually, points cost 1% of the loan value and reduce the borrowers rate by 0.25%.

Even small differences in rates and fees can cost or save you thousands over the life of your loan. Just as important is working with a team you trust.

At Mortgage Center, we’ve been helping homebuyers for over 35 years. With low rates, expert guidance, and a reputation built on service, we’re here to help turn your homeownership goals into reality.