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Apply Now

Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.

Purchase Rates

Know the rates, know your options. Start building your homeownership plan today.

Monthly Mortgage Calculator

Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.

Affordability Calculator

Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.

Apply Now

Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.

Refinance Rates

Rates can change fast. See today’s options and discover potential savings on your mortgage.

Refinance Mortgage Calculator

Wondering how refinancing will affect your monthly payments? See how much you can save.

Cash-Out Refinance Calculator

See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.

Today's Rates

Get a snapshot of today’s mortgage rates and see how they could impact your financing plans.

Find My Rate

Get a custom rate estimate in minutes. No guesswork, just real numbers.

Calculators

Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.

Blog

Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.

FAQs

Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.

Loan Programs

Navigate all our programs and find the perfect loan for you.

Make A Payment

Need to make a payment? We make it easy to manage your mortgage anytime, anywhere.

Lower My Payment

Even small changes can lead to big savings. Discover ways to lower your monthly mortgage payment.

Contact Us

Have questions? We’re here to help.

(800) 359-1996[email protected]

Monday - Friday | 9am - 5pm

Our Story

Learn more about our mission to provide local lending expertise at the national level.

Careers

Stability, growth, culture, innovation. Join our story today.

Why Total Mortgage?

From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience..

Find A Loan Officer

See a list of our licensed Loan Officers that can help your home-buying situation.

Locate Your Closest Branch

We have branches across the country. Check to see if we’re in your neighborhood.

Buy

Apply Now

Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.

Purchase Rates

Know the rates, know your options. Start building your homeownership plan today.

Monthly Mortgage Calculator

Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.

Affordability Calculator

Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.

Refinance

Apply Now

Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.

Refinance Rates

Rates can change fast. See today’s options and discover potential savings on your mortgage.

Refinance Mortgage Calculator

Wondering how refinancing will affect your monthly payments? See how much you can save.

Cash-Out Refinance Calculator

See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.

Rates

Today's Rates

Get a snapshot of today’s mortgage rates and see how they could impact your financing plans.

Find My Rate

Get a custom rate estimate in minutes. No guesswork, just real numbers.

Resources

Calculators

Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.

Blog

Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.

FAQs

Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.

Loan Programs

Navigate all our programs and find the perfect loan for you.

Customers

Make A Payment

Need to make a payment? We make it easy to manage your mortgage anytime, anywhere.

Lower My Payment

Even small changes can lead to big savings. Discover ways to lower your monthly mortgage payment.

Contact Us

Have questions? We’re here to help.

(800) 359-1996[email protected]

Monday - Friday | 9am - 5pm

About

Our Story

Learn more about our mission to provide local lending expertise at the national level.

Careers

Stability, growth, culture, innovation. Join our story today.

Why Total Mortgage?

From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience..

Find Us

Find A Loan Officer

See a list of our licensed Loan Officers that can help your home-buying situation.

Locate Your Closest Branch

We have branches across the country. Check to see if we’re in your neighborhood.

Montana Mortgage Rates FAQs

What is the average mortgage rate in Montana?

Montana home loan rates or mortgage rates are the interest percentage charged by the loan provider for buying or refinancing any property in the Treasure State. These rates can influence the overall borrowing cost. 

 

What are the current mortgage rates in Montana?

 

You can check the current mortgage rates in Montana in the table provided above. The data is updated two times a day to ensure real-time accuracy. 

How long are mortgage loans in Montana suitable for?

 

The two main mortgage loans in Montana are 30-year and 15-year fixed-rate loans. While the 30-year option has lower monthly payments but higher overall interest, the 15-year option involves higher monthly payments yet leads to substantial long-term savings.

Mortgage rates across Montana

Belgrade Mortgage RatesBigfork Mortgage RatesBillings Mortgage RatesBozeman Mortgage RatesButte Mortgage RatesColumbia Falls Mortgage RatesGreat Falls Mortgage RatesHamilton Mortgage RatesHavre Mortgage RatesHelena Mortgage RatesKalispell Mortgage RatesLaurel Mortgage RatesLewistown Mortgage RatesLibby Mortgage RatesLivingston Mortgage RatesMiles City Mortgage RatesMissoula Mortgage RatesPolson Mortgage RatesStevensville Mortgage RatesWhitefish Mortgage Rates

Interested in another location?

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.