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Clancy, MT Mortgage Refinance in Montana

We make it easy to get the lowest mortgage refinance interest rate in Clancy, MT.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Clancy, MT residents 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 Clancy, Montana 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 Clancy, MT residents 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 downpayment on your home was less than 20 percent.  If your home equity has increased since your purchase, you may have enough equity to elimate 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

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Clancy, Montana News
JeffCo demands seat at table with federal agencies

The Jefferson County Commission flexed its political muscles, Tuesday, unanimously passing a resolution seeking an equal voice with federal agencies on planning activities within the county.


Airport changes aimed at making lines move faster

When Maggie Clancy, 5, and her mother, Jeri Yinger of Bozeman, return to Montana from Pennsylvania next week, they'll have an advantage when clearing the busy security checkpoints at the airport.


Former MSU president donates boyhood collection to university

The Montana Fish, Wildlife & Parks Commission meets Monday at the FWP Helena Headquarters, 1420 East 6th Ave, beginning at 8 a.m. Commissioners will make final decisions on the 2009 nonresident combination ...


Nurse practitioner joins Boulder clinic staff

Eliza Wiley IR photo editor - Family nurse practitioner Danielle Redfield recently joined the staff at Boulder Medical Clinic.


Liked letters

We must give Tim Popp of East Helena, Bill Wise of Clancy, Randy Koutnik of Clancy and Speed Smith of Helena 10 Kudos.


Candidates Lindeen, Grimes clash on insurance mandates

Montana's candidates for state auditor clashed over gender-based insurance rates Friday, the issue being whether female customers should pay for women's health care.


Brown out-raises Schweitzer for period, but he has big overall money lead

Missoulian State Bureau HELENA-Republican gubernatorial candidate Roy Brown raised more campaign money the past six weeks than Democratic Gov.


Lufts celebrate 50th anniversary

Posted 10/12/08 Bonnie Pray and John Luft were married in Denver Oct. 11, 1958. They moved to Montana in 1962 and both worked for the Montana Deaconess Medical Center for 26 years.


Helena teacher arrested on sexual conduct charges

A Capital High School math teacher has been arrested for allegedly having inappropriate sexual conduct with a 16-year-old male student when he was teaching in Arizona in 2006.


Jefferson County candidates weigh in on issues

Ray Barnicoat and Dave Kirsch are competing for the District 2 Jefferson County Commission seat, a 6-year position.


Clancy man sentenced for child porn

Shawn Jackson of Clancy was sentenced Friday to 75 months in federal prison after his conviction for receipt and possession of child pornography.


Auditor candidates debate health care and coal

Spiraling health care costs and coal mining in southeastern Montana were two issues discussed by Montana State Auditor candidates at a meeting of the Northwestern Chapter of the National Association of ...


Grimes proposes insurance plan

Republican state auditor candidate Duane Grimes has proposed a five-point plan he says will control "skyrocketing health insurance costs" in Montana, including changes for the popular Insure Montana program for ...


JeffCo grants variance despite concerns

Despite receiving a letter of opposition from the Clancy Volunteer Fire Department, the Jefferson County Commission voted 2 to 1 to grant a road variance for four Sheep Mountain minor subdivisions.


Fire heats up Sidewinder Loop

Eliza Wiley, IR photo editor - Adam Taron with the U.S. Forest Service cuts off a limb where heat was escaping cracks in the tree while responding to a fire that threatened homes in Montana City Ranches Monday.


Saturday morning special

Lisa Kunkel, IR staff photographer - Four-year-old Rylie Schoenfeld of East Helena cheers on her dad, Mark, as he crosses the finish line of the York 38 Special mountain-bike race Saturday afternoon in York.


Levy for JeffCo museum won't make ballot

A special levy for the county museum won't be on Jefferson County's November ballot, following a tie vote at Tuesday's commission meeting.


Kindergarten ABC's

Lisa Kunkel IR staff photographer - Five-year-old Katie Freeman reaches for a memory card while matching letters and pictures with her friend Rebecca Emter, left, last week in Helena.


Museum fundraising takes off on wrong foot

Former First Lady Betty Babcock said Wednesday that the group trying to raise $13 million privately for a new Montana history museum faces difficulty because the lack of a unified effort behind it.


Fast attack stops potential wildfire

Lisa Kunkel IR staff photographer - A helicopter emerges from a cloud of smoke after dumping a bucket of water on a six-acre forest fire in Lump Gulch near Clancy Wednesday afternoon.


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"Every other company said they could not help us. After speaking to about five companies, we really believed that no one could. Then we called Somerset, and your company proved us and those other companies wrong. We can't thank you enough for all your hard work and effort in getting us a low fixed rate. We can now breathe easier..." - L. Braun
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