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Columbus, MT Mortgage Refinance in Montana

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

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Columbus, 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 Columbus, 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 Columbus, 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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Columbus, Montana News
Christmas tree sales brisk in Billings

Despite the slower economy, sales at Christmas tree lots in Billings are going well.


Barbecue causes Columbus house fire

UPDATE 7:45 a.m.: A barbecue caused the fire that burned a home near Columbus on Sunday, said Rich Cowger, Columbus fire chief.


LocalGuide: Tea for Three to honor librarians

The Friends of the Stillwater County Library invite the public to "Tea for Three" at the library from 4 to 7 p.m. Thursday.


NewsTalk 910

There are currently, 17 guest and 0 member that are online. You are Anonymous user.


Prep Volleyball On Tap

From The K-B-L-G News Center... UP FIRST FOR THE THREE TIME DEFENDING STATE CHAMPION BRONCS IS CMR, WITH BILLINGS WEST WELCOMING GREAT FALLS HIGH TO THE WEST HIGH GYM.


Montana Silversmiths reject union

An attempt by Teamsters Local 190 to organize the workers who craft belt buckles and jewelry at Montana Silversmiths in Columbus failed Thursday on a vote of 72 against and 14 for unionization.


John and Beverly Loch Kirsten Oltvedt and Patrick Halseth

The 50th wedding anniversary of Beverly and John Loch and the marriage of their grandson, Patrick Halseth, to Kristen Oltvedt, were celebrated July 11 in the Dutton American Legion Hall.


Long-time employees honored

MaryAnn Bross watched a lot of changes during the 35 years she's worked at Benefis Health System.


Students learn election process by participating

The senior class at Columbus High School doesn't just hold a mock election, they take part in the real deal.


Pilot forced to land in swampy area near Columbus

COLUMBUS, Mont. - A pilot from South Dakota was forced to land in a swampy area east of the Columbus airport Friday after the engine in his small plane failed.


LocalGuide: Author to lead writers workshop

Russell Rowland, author of "In Open Spaces" and "The Watershed Years," will lead a workshop Saturday designed to help writers get the most of their ideas.


Columbus man says he'll relocate to China to be with his wife

Art Cusack and his wife don't speak the same language, but Cusack swears his devotion to the Chinese woman he married nearly two years ago.


John G. 'Jack' Fairservice Sr.

NEIHART - John G. "Jack" Fairservice Sr., 75, of Neihart, an Army veteran and a retired mental health worker, died of mesothelioma Thursday at Peace Hospice.


State buys site for camping, boat launch

Seventy-two acres with a mile of frontage along the Yellowstone River west of Columbus has been acquired by the state for future recreational use.


Winter weather whacks Billings

Wet, heavy snow has been falling since early this morning and it's starting to accumulate.


Pharmacy Begins New Program

The only pharmacy in all of Stillwater County celebrates a much needed expansion.


Laurel YMCA story facts challenged

Laurel Family YMCA founder and former board member Peggy Miller is unhappy with the article that appeared in the Billings Gazette last week about the YMCA programs in Laurel.


No Changes Atop Gridder Polls

From The K-B-L-G News Center... BILLINGS CENTRAL RECEIVED ALL NINE FIRST PLACE VOTES IN CLASS A, FOLLOWED BY DILLON, MILES CITY, FRENCHTOWN AND HAVRE.


Montana businesses doing OK amid crisis

The meltdown of the nation's financial markets has so far spared many Montana businesses, owners around the state say, although many are nervous and some say banks are less willing to lend.


Columbus Standout Signs

From The K-B-L-G News Center... A SENIOR STANDOUT AT COLUMBUS HIGH SCHOOL HAS GIVEN A VERBAL COMMITMENT TO JOIN THE WOMEN'S BASKETBALL PROGRAM AT WEBER STATE UNIVERSITY.


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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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