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Current Refinance Rates | Clearview Equity Advisors

Do You Like To Save Money?

Live Market Update — August 17, 2026

Rates Are Holding Steady.
Is Refinancing Still Worth a Look?

The 30-year fixed rate has stayed in a fairly narrow band this year, hovering in the mid-6% range. If you bought or last refinanced between 2022 and early 2024, when rates peaked well above 7%, you may still have real room to save.

See If I Qualify
Zillow National Average (August 17, 2026)  |  30-Year Fixed Refi: 6.59%  ·  15-Year Fixed Refi: 5.88%  ·  5/1 ARM Refi: 6.44%
Today's Rates

Current Refinance Rates

Rates shown are national averages as reported by Zillow (August 17, 2026). Your actual rate will depend on credit score, loan-to-value, and other factors. Contact us for a personalized quote.



30-Year Fixed
%6.59
APR ~6.78% · Refi Rate
Rates have held in a fairly narrow range this year. Ideal for homeowners who bought at 2022–2024 peak rates and want a predictable, lower monthly payment.
Source: Zillow, August 17, 2026
15-Year Fixed
%5.88
APR ~6.13% · Refi Rate
Pay off your home faster and save significantly on total interest while building equity at an accelerated pace.
Source: Zillow, August 17, 2026
5/1 ARM
%6.44
APR ~6.55% · Intro Period
Lower intro rate for those planning to sell or refi within 5 years. Rate adjusts annually after the fixed period.
Source: Zillow, August 17, 2026
30-Year Jumbo
%6.85
APR ~7.00% · Refi Rate (est.)
For loan balances above conventional conforming limits. Competitive refinance terms for higher-value properties.
Estimated from today's jumbo purchase average — confirm before publishing
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Estimate Your Monthly Savings

Enter your current loan details below to see how much you could save by refinancing today.



Your Estimated Savings

Current Monthly Payment —
New Monthly Payment (estimated) —
Monthly Savings —
Annual Savings —
Break-even on closing costs (~$6,000 est.) —

* Estimates only. Your actual rate and payment depend on credit profile, property, and final loan terms. Contact us for a free, personalized analysis.

Market Insight

Why This May Still Be Worth Evaluating

Rates have leveled off in the mid-6% range this year rather than continuing to fall. Here's what that means for you.



📉

Well Below 2023–2024 Peaks

The 30-year refi rate is averaging 6.59% as of August 17, 2026 — still meaningfully below the 7%+ levels many homeowners locked in during 2022–2024. If that's your rate, savings may still be real.

💰

Lower Monthly Payment

Every 1% reduction in rate on a $300,000 loan saves roughly $180/month. Homeowners still sitting above 7% can meaningfully reduce their mortgage burden even in today's market.

🏡

Access Your Home Equity

Home values remain elevated. A cash-out refinance lets you tap equity for home improvements, debt consolidation, or major life expenses — at mortgage rates far below credit cards.

⏱️

Shorten Your Loan Term

Refinancing from a 30-year to a 15-year can save hundreds of thousands in interest over the life of your loan while building equity dramatically faster.

🔒

Lock in a Fixed Rate

If you currently have an ARM, refinancing into a fixed-rate loan eliminates future rate risk and provides long-term payment certainty — especially valuable in uncertain markets.

📊

Forecasts Point to Modest Easing

The MBA and Fannie Mae have both projected the 30-year rate holding in the mid-6% range through the rest of 2026. Rates aren't expected to fall sharply — a free consultation costs nothing either way.

Simple Process

How Refinancing Works

We make the refinance process clear, fast, and stress-free — from first conversation to closing.

1

Free Consultation

Discuss your goals and current loan. We run the numbers honestly — no pressure, no obligation.

2

Loan Application

A quick application collects your details. We do the legwork and compare options tailored to you.

3

Rate Lock

Once you choose your loan, we lock your rate to protect you from market movement during processing.

4

Underwriting

We coordinate with the lender and keep you informed every step of the way — no surprises.

5

Close & Save

Sign your new loan documents and start enjoying your lower payment, often within 30–45 days.

Ready to Find Out What You Can Save?

There's no cost and no commitment to get a personalized refinance analysis. Let's put the numbers in front of you.

Start My Free Analysis Use the Calculator
Rate data sourced from Zillow Mortgage Marketplace (August 17, 2026). Jumbo rate estimated from a same-day jumbo purchase average; confirm before publishing. Rates are national averages and for illustrative purposes only. Actual rates vary based on creditworthiness, loan-to-value ratio, property type, loan amount, and other factors. This is not a commitment to lend. All loans subject to credit and property approval. Rates subject to change without notice. This is a loan production office of Ease Mortgage. Ease Mortgage | 1050 Wilshire Drive Suite 300, Troy, MI 48084 | NMLS #2273319 | (888) 650-3273. © 2026 Ease Mortgage. All rights reserved.

We've been helping people like you achieve their dream of homeownership for over 10 years.

This is a loan production office of United Lending Team, Inc.

United Lending Team DBA Clearview Equity Advisors

1050 Wilshire Drive Suite 300

Troy, MI 48084

© United Lending Team, Inc. 2026 copyright. All Right Reserved.

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All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.