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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

Geraldine, Montana News
Battle over payments to rail line has long history

BNSF Railway argues that its dispute over payments made to Central Montana Rail since 1986 was settled last year when a federal judge affirmed an arbitration panel's ruling in BNSF's favor.


Dispute with BNSF threatens Central Montana Rail line

GREAT FALLS, Mont. - Three months after BNSF Railway stopped making payments to the operators of Central Montana Rail, the branch line that snakes 87 miles from Geraldine to Moccasin is still in operation.


Local centenarians meet for first time, share 216 years of memories

With all the attention both of them have received in recent years in this part of the country, you'd think they'd be well acquainted.


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.


Erma E. Rutledge

HAMILTON - Erma Erwina "Win" or "Winnie" Rutledge, 84, of Hamilton, died of natural causes Thursday at a Hamilton care center.


Lillian Danbrook

GERALDINE - Lillian Danbrook, 89, died of natural causes Monday at her home in Geraldine.


Chouteau County Christmas

Chouteau County is aglow with the holiday spirit this weekend, so bundle up and bring your family to enjoy a little country hospitality.


Isla F. Cottrell

Isla F. Cottrell, 77, of Great Falls, a former guidance counselor, died of natural causes Sunday at a local hospital.


Montana historians seek to recognize 100-year farms

BILLINGS - For 100 years Henry Armstrong's family has farmed the same patch of central Montana land, hanging on through the Depression, low wheat prices and the ever-present risk that the next generation would move on.


Edgar Celebrates 40 Years In Theatre This Weekend

Edgar Richardson who has been active in nearly every organization in Daniels County is celebrating 54 years in business in Scobey and his 40th year in the theatre business this weekend.


Bullock sues BNSF to cover some Montana rail costs

BILLINGS - Attorneys for Montana have filed a lawsuit against BNSF Railway Company for failing to live up to a 1984 agreement that the state says requires the company to pay some grain shipping costs in central Montana.


George Bradley Clark

GERALDINE - George Bradley Clark, 91, of Geraldine, died of complications from Alzheimer's disease Saturday in Missoula.


Geraldine students host 35th annual Veterans Day celebration

Hundreds of students in Geraldine High School and Geraldine Elementary School organized a special Veterans Day program to honor those who served.


History award goes to teacher from Miles City

Bonnie Boggs, a Miles City teacher and Blackfoot native, has been chosen as this year's Montana History Teacher of the Year.


Geraldine family thankful for generous gift

Four-year-old Mariah Thompson of Geraldine has had a difficult year after a cancer diagnosis, and her family spoke with us about their struggle and a recent rally of support from unlikely sources.


After-school activities amplify academics

In small schools like Highwood and Centerville, where they're close to Great Falls, but just far enough away, students are getting opportunities they might not otherwise be afforded through afterschool programs.


James K. Rogers

GERALDINE - James K. Rogers, 59, of Geraldine, a retired Navy veteran, died of a stroke Tuesday at a Great Falls hospital.


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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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