Mortgage Refinance Rates in Silver Bow County, Montana (2026)
For Silver Bow County homeowners, the refinance question in 2026 is simple: on a $364,000 balance, a move from 7.50% down to 6.25% frees up roughly $304 every month — and equity near Silver Bow County opens cash-out room too.
Silver Bow County rate-and-term refinance
On a representative $364,000 loan in Silver Bow County, the before-and-after looks like this:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $2,545 |
| Refinanced (~6.25%) | $2,241 |
| What you would save | $304 |
Figures assume a 30-year term and Montana escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Silver Bow County refinance by loan size
How monthly savings scale with balance near Silver Bow County:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $255,000 | $1,783 | $1,570 | $213 |
| $364,000 | $2,545 | $2,241 | $304 |
| $491,000 | $3,433 | $3,023 | $410 |
Silver Bow County payment by interest rate
How the Silver Bow County payment on $364,000 changes with the rate you lock:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $2,067 | $2,974 |
| 5.75% | $2,124 | $3,023 |
| 6.00% | $2,182 | $3,072 |
| 6.25% | $2,241 | $3,121 |
| 6.50% | $2,301 | $3,171 |
| 6.75% | $2,361 | $3,221 |
| 7.00% | $2,422 | $3,272 |
A 15-year refinance of $364,000 near Silver Bow County runs about $3,121/month versus $2,241 on a 30-year — a higher payment near Silver Bow County but far less total interest over the life of the Silver Bow County loan.
Silver Bow County cash-out options
Need cash for a project near Silver Bow County? An 80%-LTV cash-out refinance frees up about $64,800 of your Silver Bow County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $536,000 |
| Balance you owe now | $364,000 |
| Max new loan at 80% LTV | $428,800 |
| Cash you could pull out | $64,800 |
In Silver Bow County, Montana, property taxes average roughly 0.74% of value, so escrow on a $536,000 home adds about $331/month beyond principal and interest. A $364,000 balance sits near 68% loan-to-value, leaving about $172,000 in equity — room for a rate-and-term refinance now and a cash-out later around Silver Bow County.
When a Silver Bow County refinance becomes jumbo
The 2026 conforming ceiling in Silver Bow County is $806,500, the standard baseline. Above it, expect jumbo pricing and tighter underwriting.
- Silver Bow County value about $536,000 with a $364,000 balance (~68% LTV).
- Monthly savings near $304; break-even around month 30 on $9,100 of costs.
- Five-year net of about $9,136 and cash-out room near $64,800.
- Conforming limit $806,500; current equity roughly $172,000 near Silver Bow County.
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Frequently Asked Questions
- What could a refinance save me in Silver Bow County?
- On a typical $364,000 balance, moving from about 7.50% to 6.25% saves roughly $304/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Silver Bow County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $536,000 Silver Bow County home with a $364,000 balance, that is about $64,800 in available cash.
- When does a Silver Bow County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Silver Bow County?
- Divide your closing costs (about $9,100 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Silver Bow County-area home?
- On an estimated $536,000 value with a $364,000 balance, that is about $172,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Silver Bow County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $364,000 Silver Bow County balance, that move is worth roughly $304 a month.