Headshot of Toby Gilchrist

Toby Gilchrist

Branch Manager

Kalispell Mortgage Lender

NMLS #487285

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


About Toby

Growing up in the Flathead Valley has given me an appreciation of hard work, commitment to community, and our beautiful outdoors. Back in August 2007, I was a real estate investor looking for a career transition to move back home to Montana. 16 years later, I’ve developed a reputation of tenacity and dedication to getting it done 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. Together, my team is 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, you can trust me to guide you. I promise to provide constant communication throughout the loan process and do everything I can to make your experience hassle-free. From conventional and jumbo to FHA, VA, construction, and CCM’s Signature Series loan products, we’ll discuss every available mortgage program and make a plan personalized to you. I can't wait to get started!

Outside of real estate financing, I’m also an active real estate investor and a local developer. I grew up in Kalispell, Montana, and have always enjoyed white water kayaking, rock climbing, hunting, fishing, skiing, hiking, and traveling. I’m lucky to be married to a beautiful Texas girl and have seven kids ranging in age from 3 to 21. We spend a lot of time at our lake place during the summers and are always looking for an adventure.


  • 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.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


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.


  • 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

    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

    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

    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.

Quick Contact Form

Send me a message below or give me a call at 406-206-3451