Mortgage Loans

Buying a new home should be a pleasant experience.

Buying a new home should be a pleasant experience. We’d like to help make it that way by taking the worry out of applying for a mortgage. That’s why we would like you to take our Home BuyAbility Test. It will help you find out how much home is right for you, so you can feel more comfortable when you apply for your mortgage loan with us. Go to Apply Today under our loan tab, to apply for a loan.  

Once you know approximately how much home is in your price range, use the guide below or our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes, insurance and mortgage life insurance are also not included on the chart, but may be added to your monthly payments.




Monthly Mortgage Payment Guide

Mortgage Amount 4% APR 5% APR 6% APR 7% APR 8% APR
$ 60,000 $ 286 $ 322 $ 360 $ 399 $ 440
$ 80,000 $ 382 $ 429 $ 480 $ 532 $ 587
$ 100,000 $ 477 $ 537 $ 600 $ 665 $ 734
$ 120,000 $ 573 $ 644 $ 719 $ 798 $ 881
$ 140,000 $ 668 $ 751 $ 839 $ 931 $ 1,028
$ 160,000 $ 764 $ 859 $ 959 $ 1,064 $ 1,174
$ 180,000 $ 859 $ 966 $ 1,079 $ 1,198 $ 1,321
$ 200,000 $ 955 $ 1,074 $ 1,199 $ 1,331 $ 1,468
The above rates are for illustrative purposes only. They are based on the Annual Percentage Rate (APR) indicated for principal and simple interest. We offer a variety of mortgage plans.

Is Refinancing Right For You? Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage. And whether you apply with us for a new mortgage to buy the home you want, or to refinance your present mortgage, ask about a Homeowner’s Credit Line. It can help you save on fees when you apply; interest when you want to borrow money; and, on taxes at the end of the year. For more details, speak to one of our mortgage loan experts at the Dillon Branch 406-683-5191 or the Deer Lodge Branch 406-846-2202.


Title V of the Housing Economic Recovery Act of 2008, the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (S.A.F.E. ACT) is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of mortgage loan originators.

Registration is required for mortgage loan originators who work for an insured depository institution.

The following website will provide you with information about all mortgage loan originators who are either state licensed or registered:

The registered mortgage loan originators who are employed by Pioneer Federal Savings and Loan Association are listed below with their unique identifier. This identifier will be needed to access the information about a particular mortgage loan originator.

  • Pioneer Federal Savings & Loan Association NMLS#704467
  • Mike Richards  NMLS#710611
  • Julie Thompson NMLS#710612
  • Lorene Schuler NMLS#710613
  • Christian Deane NMLS #1969237