Find Mortgage Refinance Companies Near You in Billings, MT
Compare mortgage refinance companies in Billings. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Montana before hiring.
Showing 19 mortgage refinance companies in Billings, MT
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Mortgage refinance companies in Billings Montana help homeowners replace their existing home loan with a new one. This can lower monthly payments or change loan terms. Montana law does not require a specific waiting period to refinance, but lenders follow federal guidelines and local property recording rules in Yellowstone County.
What Does a Mortgage Refinance Company in Billings Cost?
Typical costs for a mortgage refinance in Billings Montana include an appraisal fee of 400 to 700 dollars, a title search and insurance fee of 500 to 1,000 dollars, and lender origination fees of 0.5% to 1% of the loan amount. Total closing costs often range from 2,000 to 5,000 dollars for a 200,000 dollar loan. These amounts vary by lender and property value. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to refinance a mortgage in Billings?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Lenders in Billings also require a property appraisal to confirm your home value. Montana law does not add extra document requirements beyond federal standards.
How long does a mortgage refinance take in Montana?
A standard refinance in Montana usually takes 30 to 45 days from application to closing. Delays can occur if the title search in Yellowstone County reveals liens or if appraisal scheduling is slow. Montana has no state-specific timeline law for refinancing.
Are there closing costs for refinancing in Billings?
Yes, refinance closing costs in Montana typically range from 2% to 5% of the loan amount. These include lender fees, title insurance, and recording fees with the Yellowstone County Clerk. Montana does not cap these costs, so compare multiple lenders.