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Introductory rates for a home equity line of credit begin at for with as low as thereafter.2

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Loans and Lines of Credit



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Select the loan you need to reach your personal goals.

 

Calculators

 

 

Calculators


Home Equity

Home Equity Loans

 

You may be able to use the equity in your home to borrow a lump-sum amount and pay it off over a set repayment schedule.

 

Home Equity Line of Credit

 

Borrow what you need with a line of credit that uses the equity you’ve built up in your home. You can use it for a variety of needs, including renovating your home, consolidating debt or refinancing your mortgage.

 

 

 

 

 

Personal Loans and Lines of Credit

Personal Loans

 

When you want to borrow a lump sum amount - for a major purchase, a vacation, or another purpose - a personal loan offers the funds you need with a fixed repayment schedule.

Personal Line of Credit

 

Access money when you need it and up to your available credit limit. You pay interest on the money you actually borrow, not the full amount of the line.

 

 

 

 

Auto Loans
 

 

 

Finance your new or used vehicle with your choice of auto loans that feature competitive rates and term options. The best part for you? You get a monthly payment that works for you.

Certificate of Deposit/
Savings Secured Loans

 

 

Do you have an existing BMO Harris Bank Certificate of Deposit or Savings account? Instead of dipping into your hard-earned savings, you may be able to borrow against these funds at low rates, while your savings continue to grow.


BMO Harris Express
Loan Pay SM

 

Need to make a same-day payment to avoid a late fee? With Express Loan Pay, you can make a fast and secure 1 loan payment directly from your BMO Harris checking account.

 

 

Learn more


1. Visit the BMO Harris Security Center for details.

2. Costs and Fees

Special offers are subject to change. This offer does not apply to any loan that will be used to purchase the subject property.

Introductory Rate

The introductory rate offer is available on new applications received from 9/1/2020 through 11/30/2020. The introductory rate is fixed during the introductory period. No discounts are available during the introductory period. Additional introductory terms are available. Please consult a banker for more details.

Variable Rate Information

For a Home Equity Line of Credit, the annual percentage rate (APR) is a variable rate based on The Wall Street Journal® Prime Rate (3.25% on 9/1/2020) plus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, loan to value ratio and other criteria. Rates shown are for first lien lines of credit of $100,000 secured by an owner occupied 1-4 family residence with a loan-to-value (LTV) of 70% or less with a 0.50% Auto Pay discount. The maximum APR is 18.00% or the maximum permitted by law, whichever is less. The Annual Percentage Rate (APR) will not be lower than the floor rate, as established within the written credit agreement.

In AZ, FL, IL, IN, KS, MN, MO and WI your APR would be from 3.50% to 4.30%.

To receive a 0.50% Auto Pay rate discount you must authorize BMO Harris Bank to withdraw your home equity line of credit payment each month from a BMO Harris checking account (Auto Pay).

Closing Costs and Fee Information

BMO Harris will pay closing costs for loans secured by an owner-occupied 1 to 4 family residence in: AZ, FL, IL, IN, KS, MN, MO or WI. You will be charged a $75 annual fee on the loan opening date and each year after during the Draw Period. If the property is located in FL or MN, you are responsible for mortgage and government taxes. If you close your account within 36 months, a closing cost recoupment fee may be charged to recover the closing costs BMO Harris paid on your behalf.

Insurance Information

You must obtain property insurance and may be required to obtain flood insurance.

Apply for your Home Equity Loan now

Currently, we are not offering home equity loans for investment properties or second homes in 2nd lien.

 

 



Apply for a Home Equity Loan online


It’s never been easier! Start your application today.


Apply now




Give us a call


We’ll help walk you through the application process.


Call 1-800-546-6101Call 1-800-546-6101


Here’s what you’ll need to apply:

Employment & income information
 

Property information & requested loan amount

Positive credit score (typically a minimum of 700)

Equity in your home to borrow against

Apply for your Home Equity Line of Credit now

Currently, we are not offering HELOCs for investment properties or second homes in 2nd lien.

 

 



Apply for a HELOC online


It’s never been easier! Start your application today.


Apply now




Give us a call


We’ll help walk you through the application process.


Call 1-800-546-6101Call 1-800-546-6101


Here’s what you’ll need to apply:

Employment & income information
 

Property information & requested loan amount

Positive credit score (typically a minimum of 700)

Equity in your home to borrow against