Headshot of Toby Gilchrist

Toby Gilchrist

Branch Manager

Kalispell Mortgage Lender

NMLS #487285

Adress
30 Lower Valley Road, Suite 1
Kalispell, MT 59901
Contact Methods
Email
tel Phone
406-206-3451
mobile Mobile
(406) 471-4978
fax Fax
406-206-3451
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Toby

Hi, I’m Toby. Growing up in the Flathead Valley has given me an appreciation for hard work, commitment to community, and the beautiful outdoors. Back in August 2007, I transitioned from being a real estate investor to moving back home to Montana, and 16 years later, I’ve developed a reputation for tenacity and dedication as a mortgage professional! I believe home loans are an investment and specialize in assisting borrowers in realizing their goals of homeownership and building wealth. My team and I are committed to evaluating your options to find the best fit for your financial future.

Whether you’re a first-time homebuyer or a high-net-worth individual with complex finances, trust America's #1 Retail Mortgage Lender. From conventional and jumbo to FHA, VA, construction, and CCM’s Signature Series loans, we’ll discuss every available mortgage program and make a personalized plan for you.

I grew up in Kalispell, Montana, and enjoy white water kayaking, rock climbing, hunting, fishing, skiing, hiking, and traveling.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your home equity.
Fast.

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

CCM Equity Express, is fast, secure, and fully automated. A few minutes to apply, a few days to get your funds. That's all it takes.

Recent Posts and Articles

Blog

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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