Can I refinance from conventional to FHA in Montana?

Yes. If you meet FHA guidelines, you can refinance your conventional loan to an FHA loan in Montana. This may help if you have lower equity or credit challenges.

Is there mortgage insurance on a Montana FHA refinance?

Yes. FHA loans require upfront and monthly mortgage insurance. This is how FHA can offer flexible guidelines and lower down payment options.

How do I start a Montana FHA refinance?

Reach out and tell us about your current loan and goals. We check your options and help you decide if a Montana FHA refinance makes sense for you.

Montana FHA Refinance

Refinance Your FHA Loan Montana

Montana FHA Refinance That Puts Money Back

Your mortgage should get better over time, not stay stuck. A Montana FHA refinance can lower your rate, reduce your payment, or give you access to cash. Streamline options make it faster. We make it simple.

Guidance homeowners rely on

Thousands of families just like yours have found clarity and confidence with the guidance of a leading mortgage lender dedicated to their success.

Why Us

Why Montana Homeowners Choose FHA Refinancing

A Montana FHA refinance gives homeowners flexible options to improve their mortgage. Lower your rate with a streamline refinance or access equity with a cash out. Government backing means guidelines that work for more borrowers.

Our Refinance Rates

Our Rates For You

FHA 30 Year Refi

Payment Relief

Monthly payment

$2,053.64

Rate Points (cost)

(

$10,500

)

Rate

5.800%

APR

5.500%

Effective date:

2026-03-17

FHA 15 Year Refi

Equity Builder

Monthly payment

$2,915.81

Rate Points (cost)

(

$10,500

)

Rate

5.800%

APR

5.500%

Effective date:

2026-03-24

Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.

Reason

Benefits of Your Montana FHA Refinance

Lower Your Monthly Payment

If rates have dropped since you bought, a Montana FHA refinance can lock in savings that last the life of your loan. A lower rate means a lower payment every month.

Access Your Home Equity

Your home has built value. A Montana FHA refinance cash out option lets you turn that equity into cash for renovations, debt consolidation, or whatever you need.

Stabilize With a Fixed Rate

If you have an adjustable rate, a Montana FHA refinance can move you to a fixed rate. Predictable payments make budgeting easier and protect you from rate increases.

Refinance calculator

How much could refinancing save you

Enter your current balance, your estimated value, and your target term. The calculator shows a clear estimate that helps you decide if now is the right time.

unlock your potential

Explore Montana FHA Refinance Options

Answer a few questions and see your potential savings. No commitment required.

Take the first step toward a better mortgage. Your Montana FHA refinance could start saving you money within weeks.

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Streamline

FHA Streamline for Montana Homeowners

Already have an FHA loan? The Montana FHA streamline refinance lets you lower your rate with minimal paperwork and often no appraisal. It is designed to be fast, simple, and focused on saving you money.

Cash-Out

FHA Cash Out for Montana Homeowners

Your home equity is real money. A Montana FHA cash out refinance lets you borrow against that equity for renovations, debt consolidation, education, or whatever you need. One loan, one payment, real flexibility.

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4.9★ rating across 35K+ reviews (Expirence, Google, Zillow, Trustpilot)

Real people. Real challenges. Real mortgage success.

We love our Miles City home. The old FHA rate was the only thing we wanted to change. Tommy at Oxford fixed it through the Streamline. Same home, same neighborhood, just a much better payment. Exactly the outcome we were hoping for.

Renee White

Miles City

Montana

Was skeptical that lowering our Anaconda FHA rate could really be this simple. Temitayo at Oxford proved it can. Streamline process, barely any paperwork, no appraisal, and the rate improvement was better than I'd hoped. Temitayo earned my trust completely.

Cody Murphy

Anaconda

Montana

The communication from Shawn at Oxford during our Havre FHA Streamline was outstanding. Knew exactly where things stood at every point. No jargon, no confusion. Rate dropped, payment dropped, and the whole thing was done in under a month. Shawn sets a high bar.

Rachel Jones

Havre

Montana

Every month on the old FHA rate felt like money wasted. Matt at Oxford handled the Streamline on our Kalispell home and now the payment actually fits our life. No appraisal, no income docs, and Matt kept us updated at every step. Clean process from start to finish.

Anthony Simmons

Kalispell

Montana

Bought our Butte home two years ago when FHA rates were higher. Ian at Oxford brought up the Streamline option and the timing was perfect. Locked in a lower rate without needing an appraisal or income documentation. The savings add up to a real number over the life of this loan.

Janice Foster

Butte

Montana

Marquis at Oxford was transparent about what the FHA Streamline would cost versus what it would save on our Helena mortgage. The break even point was about four months of lower payments. After that, pure savings. That kind of honest math is why I trusted Marquis with the decision.

Crystal Collins

Helena

Montana

Two things mattered to me about the FHA Streamline with Corey at Oxford. First, the rate on our Great Falls home actually dropped by a meaningful amount. Second, it barely required any work on my end. Both delivered. Corey handled the details and we just signed at closing.

Ronald Anderson

Great Falls

Montana

Tried to lower our FHA rate through our servicer and waited two months with no progress. Switched to Chris at Oxford and the Streamline on our Missoula home was closed in three weeks. More time on hold with the old lender than the entire Oxford process took.

Joan Price

Missoula

Montana

My neighbor in Bozeman used Hahna at Oxford for their FHA Streamline and told me to do the same. Same great experience. Lower rate, no appraisal, closed quickly. Now we've both recommended Hahna to the rest of the block. Oxford is building a reputation one household at a time.

Elizabeth Robinson

Bozeman

Montana

Retired on a fixed income and our Billings FHA payment was stretching the budget. Carlton at Oxford handled a Streamline that brought the rate and payment down to a comfortable level. No appraisal, no stress. Carlton understood our situation and got it done efficiently.

Zachary Alvarez

Billings

Montana

FAQ

Montana FHA Refinance FAQ

Still unsure? Talk to someone who hears you, not a script.

What is a Montana FHA refinance?

A Montana FHA refinance replaces your current mortgage with a new FHA loan, often at better terms. You can lower your rate, reduce your payment, or access cash from your equity.

What is the Montana FHA streamline refinance?

The Montana FHA streamline refinance is a simplified option for homeowners with existing FHA loans. It requires less paperwork, often no appraisal, and is designed to lower your rate quickly.

Can I get cash out with a Montana FHA refinance?

Yes. A Montana FHA cash out refinance lets you borrow against your home equity for renovations, debt consolidation, or other needs. You can typically access up to 80% of your home value.

What credit score do I need for a Montana FHA refinance?

FHA refinances have flexible credit guidelines. Most lenders look for 580 or higher for streamline refinances. Cash out may require higher scores. We help you understand your options.

How long does a Montana FHA refinance take?

FHA streamline refinances often close in 30 days or less. Cash out refinances may take 30 to 45 days. We keep things moving and update you throughout.

Do I need an appraisal for a Montana FHA refinance?

Streamline refinances often skip the appraisal. Cash out refinances typically require one. We let you know what to expect for your situation.

What are Montana FHA refinance closing costs?

Closing costs for a Montana FHA refinance typically run 2% to 5% of the loan amount. Costs can often be rolled into the loan to reduce out of pocket expenses.

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