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Home Loan Rate Details

All the right moves

Loan rate isn't the only factor when considering which loan is right for you but it can give you a good idea for what you can afford. TLC offers affordable home loans designed to fit your individual needs. Visit the cards below to see examples of our affordable options. Use the calculators to refine what you're looking for.

Whether you're looking for a low rate, low fees or flexible terms our Home Loan experts will roll out the welcome mat. Let's get started together.

Find out how much you can borrow through our pre-approval process
Apply for your loan online, in-office(Opens in a new Window) or by calling us at (517) 263-9120
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Purchase Rates

Rate examples for purchasing a home and financing it through TLC

Refinance Rates

If your goal is a lower payment or faster payoff, consider a refinance

Cash-out Re-Fi Rates

Consolidate bills or make a major purchase, Cash-Our Refinancing may be for you.

Calculators

Run the numbers to get the complete financial picture.

30 Year Fixed - Purchases

Term	Rate / APR	Payment
30 year fixed	6.375 %/6.472 %	$936.

The above rate is based off of the following assumptions for your Home Loan:

APR = Annual Percentage Rate
Credit score 740 or higher
LTV 80% (20% down payment)
Loan amount of $150,000
Purchase
Owner occupied/single family home
No secondary financing
Escrow for taxes and insurance
60-day lock
Finance charges include $1150 origination fee, $12 flood certification fee and $94 tax service fee. Additional closing costs apply.

Please contact your Mortgage Loan Expert for specific, customized pricing for your financial situation.

Please note that if your credit score, down payment, loan amount or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 7-11-2025 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher.

30 Year Fixed - Refinances

Term	Rate / APR	Payment
30 year fixed	7.000 % / 7.019 % APR	$936.00

The above rate is based off of the following assumptions for your Home Loan:

APR = Annual Percentage Rate

Credit score 740 or higher
LTV 80% (20% down payment)
Loan amount of $150,000
Rate/term refinance
Owner occupied/single family home
No secondary financing
Escrow for taxes and insurance
60-day lock
Finance charges include $1150 origination fee, $12 flood certification fee and $94 tax service fee. Additional closing costs apply.

Please contact your Mortgage Loan Expert for specific, customized pricing for your financial situation.

Please note that if your credit score, down payment, loan amount or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 7-11-2025 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher.

30 Year Fixed - Cash Out Refinances

Term	Rate / APR	Payment
30 year fixed	7.000% / 7.019% APR	$998.00

The above rate is based off of the following assumptions for your Home Loan:

APR = Annual Percentage Rate
Credit score 740 or higher
LTV 80% (20% down payment)
Loan amount of $150,000
Cash-out refinance
Owner occupied/single family home
No secondary financing
Escrow for taxes and insurance
60-day lock
Finance charges include $1150 origination fee, $12 flood certification fee and $94 tax service fee. Additional closing costs apply.

Please contact your Mortgage Loan Expert for specific, customized pricing for your financial situation.

Please note that if your credit score, down payment, loan amount or other characteristics listed are different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions effective 7-11-2025 are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher.

Home Loan Rate Details

All the right moves

Jump to:

Purchase Rates

Refinance Rates

Cash-out Re-Fi Rates

Calculators