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Save on your mortgage with up to $700 off closing costs.1 Apply now

Mortgage offers & resources

Take the first step toward your new home

Let us help you start your home buying journey.

Where are you in your homeownership journey?

Your first home

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

Buying your first home

Your next home

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

Buying your next place

Refinancing

Refinance your mortgage to potentially lower your monthly payments.

Refinance your home

A happy couple receives their mortgage from BMO Harris

Make homeownership easier with up to $700 off closing costs.1

Save when you open or refinance a mortgage with us.

A happy couple receives their mortgage from BMO Harris
  • $500 in underwriting closing costs
  • $200 when you set up Auto Pay from a BMO Harris checking account

Apply now or check my mortgage rate

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 homeowner


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? Take a step back. Avoid unwanted stress and surprises by speaking with a Mortgage Banker first.

Three steps to becoming a homeowner

 

 

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? Take a step back. Avoid unwanted stress and surprises by speaking with a Mortgage Banker first.



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 Pay1 straight from your BMO Harris checking account.


Helpful resources


Explore our tools and calculators2 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 Pay1 straight from your BMO Harris checking account.


Helpful resources

 

Explore our tools and calculators2 to help set your budget and compare mortgage options to find the right one for you.


Take the first step toward your new home

Let us help you start your home buying journey.

1. Special offers are subject to change. The closing cost discount offer is available on applications received from March 1, 2019 through May 31, 2019. The $700 closing cost discount consists of a $500 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 may be applied to the purchase or refinance mortgage at closing. It is available for conventional or jumbo loans (loans in excess of $484,350) secured by 1-4 unit homes used as primary residences, second homes, or investment properties.


Auto Pay Closing Cost Discount: The closing cost discount is available when you authorize BMO Harris to withdraw your loan payment each month from an eligible BMO Harris checking account using Auto Pay. This discount can only be applied to the purchase or refinance of a primary residence. Closing cost discount of $100 on with Auto Pay from your BMO Harris Smart MoneyTM Account, BMO Harris Smart AdvantageTM Account or BMO Harris Select Checking® account. Closing cost discount of $200 with Auto Pay from your BMO Harris PremierTM Account or BMO Harris Portfolio Checking® account. FHA loans do not require Auto Pay to receive this discount.


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 to review its privacy policy.



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