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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

Augusta, Montana News
Plan OK'd for clearing Benchmark forest fuels

Lewis and Clark National Forest approved a plan to ignite and thin 763 acres of fuel-heavy forest to protect cabins and lodges and create safer conditions for firefighters in the Benchmark area, which fire has threatened three times in the past eight years.


Census workers needed

The Great Falls Census office is looking to hire hundreds of workers over the next several months, but would like to see more applications coming in for those jobs.


Doris Loretta Hansen

REDMOND, Ore. - Longtime Montana resident Doris Loretta Hansen, 86, died of natural causes Jan.


BLM examines Montana grazing allotments

The Bureau of Land Management has launched an environmental assessment of 99 grazing allotments in Meagher, Cascade, Teton, Lewis and Clark and Pondera counties.


Augusta Museum open house is Sunday; new renovations on display

The Augusta Museum welcomes the public to a Christmas open house on Sunday from 1 to 6 p.m. This is the first function since the major renovation of the historic building located at 261 Fleming St.


Roland Charles Mosher

AUGUSTA - Roland Charles Mosher, 78, of Augusta, died of natural causes Friday at a Great Falls assisted living center.


Cliff Rescue Near Augusta Lands One Man in the Hospital

A 62-year old man is recovering in the hospital, after a dramatic rescue on a rock cliff near Sun Canyon Lodge.


Ronda Sangray and Brian Jolly

Ronda Sangray and Brian Jolly were married June 20 in the Malmstrom Air Force Base chapel, with Keith Muschinske officiating.


Angela Swartz and Kory Hastings

Angela Marie Swartz and Kory Edward Hastings were married Aug. 22 at the Hastings Ranch in Ulm, with Diana Levine officiating.


Michael Vaughan Mohan

AUGUSTA - Michael Vaughan Mohan, 64, a merchant Marine, commercial fisherman and former Colorado magistrate, died of pancreatic cancer Sunday at a Choteau hospital.


Front Heriatge Act is a good compromise, partially satisfies most stakeholders

Thirty-five years ago, I was a young physician with the opportunity to practice in one of many different areas of the country.


Montana Scenic Loop 400 miles of beauty and adventure

So you've probably been to Glacier, but how did you get there, and how did you return? The Montana Scenic Loop offers a great opportunity to make the road traveled the destination.


Scapegoat prescribed burn going according to plan

An intentional burn in the Scapegoat Wilderness west of Augusta is proceeding as planned with 800 acres burned as of Thursday afternoon, said Dave Cunningham, a spokesman for the Lewis and Clark National Forest.


Controlled burn in Scapegoat planned

Lewis and Clark National Forest announced plans Monday to set another 1,000 acres of the Scapegoat Wilderness on fire Wednesday or Thursday as part of a plan to reduce the risk of future wildfires reaching developed areas.


Public Records

BICKNELL - Daughter born Friday to Jodi and James Bicknell of Great Falls. FAHSHOLTZ/CONKLIN - Son born Friday to Heather Fahsholtz and Richard Conklin of Great Falls.


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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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