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Mortgage offers & resources

 

 

Where are you in your home ownership journey?

 

Your first home

A young couple unpacks moving boxes in the living room of their first home.

Discover tools, tips and special offers just for first-time home buyers.


Buying your first home

 

Your next home

A couple and their young daughter carry boxes into their new home.

Get advice whether you're upgrading, downsizing or buying a second home.


Buying your next place

 

Refinancing

A couple reviews their finances on a laptop and paper as they consider refinancing their home.

Change your mortgage to potentially lower your monthly payments.


Refinance your home

Take the first step toward your new home


Get prequalified or connect with a Mortgage Banker to start your home buying journey. A mortgage prequalification is a free estimate of how much you may be able to borrow for a home.


We can make buying a home even more rewarding


You’ve worked hard to save for a home. With a BMO Harris mortgage, you can get a competitive rate and get up to $600 off your closing costs1.

Your mortgage amount Closing cost discount
Up to $249,999 Up to $400
$250,000 to $499,999 Up to $500
$500,000 and up Up to $600

Check my mortgage rate or Request a prequalification



How much are closing costs? View checklist.

Ready to learn more about mortgages? We can help find an option that’s right for you. Explore our mortgages.


Are you already a homeowner? You can use your equity for valuable home improvements. Check out our HELOC special offers.



Three steps to becoming a home owner


1. Get prequalified


Find out how much you can afford so you can house hunt with confidence.

2. Work with a professional


A Mortgage Banker will guide you through the process from start to finish.

3. Close the deal


We’ll keep the process moving, so you can get your keys sooner.

Tip: Already looking at houses? Not so fast. Meeting with a Mortgage Banker first can help you avoid unwanted stress and surprises.

Three steps to becoming a home owner

 

1. Get prequalified

Find out how much you can afford so you can house hunt with confidence.

2. Work with a professional

A Mortgage Banker will guide you through the process from start to finish.

3. Close the deal

We’ll keep the process moving, so you can get your keys sooner.

Tip: Already looking at houses? Not so fast. Meeting with a Mortgage Banker first can help you avoid unwanted stress and surprises.



Why choose BMO Harris



Competitive rates


Take advantage of our competitive mortgage rates and fees. We explain all the costs up-front, so you can budget for each step of the way.


Personalized advice


Our Mortgage Bankers will get to know you and your needs. Plus, we can review your credit report and suggest ways to achieve your financial goals.


Easy payments


Choose from convenient online options to manage your mortgage, like Auto Pay2 straight from your BMO Harris checking account.


Helpful resources


Explore our tools and calculators3 to help set your budget and compare mortgage options to find the right one for you.

 


Competitive Rates

 

Take advantage of our competitive mortgage rates and fees. We explain all the costs up-front, so you can budget for each step of the way.


Personalized advice

 

Our Mortgage Bankers will get to know you and your needs. Plus, we can review your credit report and suggest ways to achieve your financial goals.


Easy payments

 

Choose from convenient online options to manage your mortgage, like Auto Pay2 straight from your BMO Harris checking account.


Helpful resources

 

Explore our tools and calculators3 to help set your budget and compare mortgage options to find the right one for you.



Take the first step toward your new home


Find out how much you can borrow and get professional guidance.


 



 

Special offers subject to change at any time without notice.


1. Special offers are subject to change at any time without notice. The closing cost discount offer is available on applications received from June 3, 2018 through August 31, 2018. The $600 closing cost discount consists of up to an $400 underwriting closing cost discount and up to a $200 Auto Pay closing cost discount. They are available subject to the following:


Underwriting Closing Cost Discount


The underwriting closing cost discount is good for home purchase mortgages, conventional or jumbo loans, and second homes and is available for 1 to 4 unit family primary residences if the necessary qualifications are met for loan approval. The amount of the underwriting discount is as follows: $200 for loan amounts up to $249,999; $300 for loan amounts from $250,000 to $499,999; or $400 for loan amounts of $500,000 and up. The discount will be based upon the final loan amount. Mortgage refinances are excluded from this special offer.


Auto Pay Closing Cost Discount


Closing cost discount of $100 on a new BMO Harris mortgage loan with Auto Pay from your BMO Harris Smart Money™ Account, BMO Harris Smart Advantage™ Account or BMO Harris Select Checking® account. Closing cost discount of $200 on a new BMO Harris mortgage loan with Auto Pay from your BMO Harris Premier™ Account or BMO Harris Portfolio Checking® account. The monthly maintenance fee for BMO Harris Smart Money™ Account is $5, BMO Harris Smart Advantage™ Account is $0, BMO Harris Select Checking® is $15, BMO Harris Premier™ Account is $30 and BMO Harris Portfolio Checking® is $25. FHA loans do not require Auto Pay to receive this closing cost discount. Mortgage closing cost discount can only be applied to the purchase or refinance of a primary residence and does not apply to Refi-Xpress loans, home equity loans, interim, lot and recreational land loans. Auto Pay means periodic scheduled payments automatically deducted from your qualifying BMO Harris checking account, as applicable, to pay the BMO Harris mortgage loan. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including late fees and any other charges. Our checking products are subject to change at any time. As a result, this offer is subject to change including the availability of these checking products. When applying for Auto Pay, please ask a BMO Harris banker about the different available checking products. Customers who currently have a BMO Harris checking account that does not qualify for this offer may switch to a BMO Harris checking account that does qualify for this offer prior to or at closing. Please contact a BMO Harris banker for more details or click here to learn more about our checking products.


2. Auto Pay means periodic scheduled payments automatically deducted from your BMO Harris checking account, as applicable, to pay the loan. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including any late fees and any other charges. Checking account opening subject to bank approval.


3. Calculators are provided by Leadfusion Inc., which is not affiliated with BMO Harris. The results and information provided on this website are estimates and are provided for informational purposes only. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. Please note that Leadfusion may have different privacy and security standards than BMO Harris and you should visit its website at www.leadfusion.com  to review its privacy policy. BMO Harris does not provide tax or legal advice and you should consult your tax or legal advisor for tax and legal advice. You should always talk to your BMO Harris Mortgage Banker to determine the product that is right for you. The calculator headings are merely labels for your convenience. The calculator results are estimates only and should not be construed as advice or a recommendation.



Start your mortgage process with help from a professional

 

 


Get prequalified for a mortgage


Get a free estimate of how much you may be able to borrow


Start your prequalification


Meet with a Mortgage Banker


Get personalized advice and resources



Make an appointment


Give us a call


Let’s chat about your mortgage options


1-888-482-3781


1-888-482-3781