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Special intro rate as low as for with as low as
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Home equity line of credit offers & resources

Put the power of your home to work.


Find out how a HELOC can help you achieve your goals.

Renovate your home


A HELOC can help customize and potentially add value to your home.


Start your home improvements

 

Consolidate your debt


Simplify your finances with a HELOC. Consolidating your debt may reduce your monthly payments.


Take control of your debt

 

Save for the unexpected


Tap into your HELOC for whatever you need, like major purchases or unexpected expenses.


Be ready for anything

Choose a rate and term that works for you

With flexible terms and competitive rates, you can choose the option you like best.

Get rates
Special limited-time HELOC rates1
6 month intro rate 2.99% APR
12 month intro rate 3.99% APR
24 month intro rate 4.99% APR
Current rate:

Interested in something else?

Explore our loans and lines of credit.



Looking to buy a new place?

Learn more about our mortgage options.


Three easy steps to getting a HELOC


  • 1. Get started


    Apply online with our simple & secure application or meet with a lending specialist who will learn about your needs and your property.

  • 2. Submit the application paperwork


    Once submitted, your lending processor will walk you through all the documentation you need to complete the application process.

  • 3. Close your loan


    We’ll work with you to schedule your closing and get you ready to go!

Tip: Don’t have a mortgage with us? No worries. You don’t have to bank with BMO Harris to apply for a HELOC.

Three easy steps to getting a HELOC

 

1. Get started

Apply online with our simple & secure application or meet with a lending specialist who will learn about your needs and your property.

2. Submit the application paperwork

Once submitted, your lending processor will walk you through all the documentation you need to complete the application process.

3. Close your loan

We’ll work with you to schedule your closing and get you ready to go!

Tip: Don’t have a mortgage with us? No worries. You don’t have to bank with BMO Harris to apply for a HELOC.



Why choose BMO Harris



Competitive rates


Take advantage of our competitive HELOC rates and special low introductory rate offer.1 Plus, there are no upfront fees and low to no closing costs.1


Simple application


Apply online with our simple & secure application from any device or visit a branch.


Personalized advice


Our lending specialists will guide you through the entire HELOC process and find ways to help you achieve your home goals.


Helpful resources


Explore our tools and calculators2 to help understand all your options.

 


Competitive rates

 

Take advantage of our competitive HELOC rates and special low introductory rate offer.1 Plus, there are no upfront fees and low to no closing costs.1


Simple application

 

Apply online with our simple & secure application from any device or visit a branch.


Personalized advice

 

Our lending specialists will guide you through the entire HELOC process and find ways to help you achieve your home goals.


Helpful resources

 

Explore our tools and calculators2 to help understand all your options.



Put the power of your home to work.


Find out how a HELOC can help you achieve your goals.



 

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

Costs and Fees:

The introductory rate offer is available on applications received from 8/1/2019 through 10/31/2019 and is subject to change. The introductory rate is fixed during the introductory period. No customer or other discounts are available during the introductory period. Depending on individual credit qualifications, collateral location, and combined loan to value ratio, the introductory rate ranges from 2.99% APR to 3.99% APR for 6 months, 3.99% APR to 4.99% APR for 12 months or 4.99% APR to 5.99% APR for 24 months.

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 (5.00% on 09/19/19) plus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, combined loan to value ratio and other criteria. Rates shown are for lines of credit of $100,000 secured by an owner occupied 1-4 family residence with a combined loan-to-value (CLTV) of 70% or less. The maximum APR is 18.00% or the maximum permitted by law, whichever is less.

To receive a 0.25% 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. Closing costs include: appraisal charges, credit report, flood determination, title insurance and document recording fees. You will be charged a $75 annual fee on the opening date and each year after through the ninth anniversary of loan opening. You may also be required to pay real estate taxes and items such as prior lien release fees. 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 we paid on your behalf.

Insurance Information

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

2. Calculator is provided by Leadfusion Inc., which is not affiliated with BMO Harris. The calculator provides estimates. We do not guarantee their accuracy or applicability to your circumstances. Results depend on many factors, including the assumptions you provide. Leadfusion may have different privacy and security standards than BMO Harris. Visit its website at www.leadfusion.com open externally to review its privacy policy.

Apply for your Home Equity Line of Credit now

 

 



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 680)

Equity in your home to borrow against