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Mortgage Refinance

We make it easy to get the lowest mortgage refinance interest rate in your area.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all you can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.

When Should I Refinance?

The best time to refinance is when interest rates in your area drop below the rate of your current mortgage. With a lower interest rate, you'll save money on your mortgage payment every month. Be sure to read our article titled Reasons to Refinance Now.

Turn Your Adjustable Rate into a Fixed Rate:

With adjustable rates on the rise you can benefit greatly from refinancing your home for a low fixed rate. These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.

Cash-Out Refinancing:

Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash. You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt. How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.

Eliminate PMI:

Private Mortgage Insurance is usually required if your down payment on your home was less than 20 percent. If your home equity has increased since your purchase, you may have enough equity to eliminate that PMI payment by refinancing your mortgage.

Save Thousands in Interest:

When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years. Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan. However, in the long-term you are saving thousands in interest. And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.

Mortgage Refinance Calculators

Mortgage Payment Calculator
Refinance Savings Calculator
Refinance APR Calculator
Refinance Points Calculator  

Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis  

Return to mortgage refinance in the state of MT

Call for COMPLETE details NOW!

(800) 675-9783

Arlee, Montana News
Dalai Lama to Visit Montana

The Dalai Lama has accepted an invitation to come to Montana to consecrate the Garden of 1,000 Buddhas in Arlee.


Donald L. Stiner Jr.

CUT BANK - Donald L. Stiner Jr., 62, a retired diesel mechanic from Cut Bank, died of complications from diabetes Thursday at a Cut Bank care facility.


Cultural exchange students bring a bit of their country to the Mission Valley

Exchange students pose next to the St. Ignatius school during sunset last Thursday.


Candidate filing deadline is Monday, March 15

Secretary of State Linda McCulloch reminds Montanans that the deadline for all candidates to file with the Secretary of State or county election office a declaration of nomination for placement on the primary ballot is Monday, March 15 at 5 p.m. 'Voting and running for public office are two of our most fundamental rights as citizens of this great ...


Lake County Spelling Bee is next Thursday

Parents, teachers, students and friends are invited to attend the Lake County Spelling Bee on Thursday, March 11, 2010 at the Ronan Event Center at 6:30 p.m. Fifty of Lake County's best spellers will vie for first place and the right to represent Lake County in the Treasure State Spelling Bee at the Petro Hall, MSUB, in Billings on March 27.


Buttercup Run is March 27

Saturday, March 27, celebrates the annual Buttercup Run start for the 1Mile Fun Run, 5K and 10K walk/runs, a fund raiser for support of the "Friends of Arlee School, Inc." projects.


Tribal takes preference in policy

The CSKT Tribal Council unanimously approved a current tribal ordinance 101A on January 19, for the Tribal Employment Rights Office , to remain 'as is' despite an on-going effort for the Tribes to change it.


Coyote stories engage students, educators and parents

Ever wonder how Flies were created, or how the Night Hawks got their markings? Nkwusm Salish Language Revitalization Institute performed "Coyote Helps Create Flies" and "How the Night Hawks Got Their Markings," two Salish Coyote stories.


6th Annual Chocolate Lovers Festival sweetens your tooth tonight

The Arlee Community Development Corporation announces their 6th Annual Chocolate Lovers Festival, to be held on Thursday, February 11 at the beautiful HeartView Center on Jocko Road.


Former Boxing Champ Returns to Roots

Marvin Camel used boxing to gain fame away from the Flathead Indian Reservation where he was raised.


Salish Kootenai College 2010 Career/Job Fair set for February 23

Salish Kootenai College Career Services, Student Support Services, Indigenous Math and Science Institute and Lake County Job Service are hosting a Career/Job Fair, Tuesday, February 23.


High-Speed Chase Wednesday Night

Two Idaho men are in custody for the chase and suspicion of dealing meth. The incident began Wednesday when two plain clothes tribal officers spotted a dark-green cadillac, which was known to be driven by a suspected drug dealer.


Arlee VFD new fire station dedicated and open for business

The long wait for a new fire station in Arlee officially came to an end Saturday when the recently constructed fire station was dedicated and opened for business.


Across the Big Sky

MISSOULA - A 40-year-old medical marijuana patient who was arrested after authorities seized 30 pot plants from inside his garage has received a 10-year suspended sentence to the state Department of Corrections.


Moran named CSKT Council Chair at Winter Quarterly

Recently reelected Tribal Council members Jimmy Malatare, Carole Lankford, Rueben Mathias, Steve Lozar and Joe Durglo as well as the rest of the Council members took the oath of office at the Winter Quarterly.


Arlee Woman Charged in Pedestrian's Death

An Arlee woman accused of striking and killing a 69-year-old man with her car has been charged with a misdemeanor.


Driver charged in Evaro hill hit-and-run

We know more now about a deadly hit-and-run accident north of the Wye December 28th.


Prosecutor to file charges in pedestrian's death

A Missoula County prosecutor says the driver of a vehicle that hit and killed a 69-year-old western Montana man will be charged for leaving the scene of an accident.


Authorities say 5 pedestrians killed in a week

BILLINGS - Five pedestrians were killed by vehicles on Montana roadways in the period of a week, including four in the Missoula area.


Charges might not be filed in fatal hit-and-run

Authorities say charges might not be filed against a woman who struck and killed a 69-year-old man with her car on U.S. Highway 93 near Wye northwest of Missoula.


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"...I was sure that Somerset was the right choice...they couldn't have been more compassionate or understanding...I just couldn't believe that this all happened within a week...Thanks to my loan officer and all the rest of those great people at Somerset, my family will be able to stay in the only home they have known for some time, without fear of being put out." - Tom N.
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