Compare rates for our most popular fixed and adjustable rate mortgages to help find the option that works best for you.
1-888-482-3781
Call center hours: Monday to Thursday, 8 A M to 7 P M (C T)Mon - Thu 8 a.m. - 7 p.m. (CT)
Friday 8 A M to 6 P M (C T)Fri 8 a.m. - 6 p.m. (CT)
Saturday 8 A M to 1 P M (C T)Sat 8 a.m. - 1 p.m. (CT)
The Secure and Fair Enforcement (S.A.F.E.) for Mortgage Licensing Act protects consumers. This nationwide licensing and registration system provides accurate, accessible information about lenders and their employees.
BMO Harris Bank N.A. fully complies with the S.A.F.E. Act. Learn more about how the S.A.F.E. Act (PDF, 148KB) protects you.
For further information regarding your Mortgage Loan Originator or BMO Harris Bank N.A., please visit
www.nmlsconsumeraccess.org 
Rates based on a $400,000 loan in DuPage County in Illinois
| 30-year fixed | 15-year fixed | 7-year ARM | 5-year ARM |
|---|---|---|---|
|
APR
|
APR
|
APR
|
APR
|
| Enjoy a low, fixed monthly payment for the life of the loan. | Pay less interest than a 30-year fixed but still get low, fixed monthly payments.Pay less interest than a 30-year fixed but still get low, fixed monthly payments. | Get a lower initial rate than a fixed rate mortgage. | Get our lowest available rate for the first 5 years of your mortgage. |
Rates based on a $800,000 loan in DuPage County in Illinois
| 30-year fixed | 15-year fixed | 7-year ARM | 5-year ARM |
|---|---|---|---|
|
APR
|
APR
|
APR
|
APR
|
| Enjoy a low, fixed monthly payment for the life of the loan. | Pay less interest than a 30-year fixed but still get low, fixed monthly payments.Pay less interest than a 30-year fixed but still get low, fixed monthly payments. | Get a lower initial rate than a fixed rate mortgage. | Get our lowest available rate for the first 5 years of your mortgage. |
Rates based on a $400,000 loan in DuPage County in Illinois
APR
Enjoy a low, fixed monthly payment for the life of the loan.
APR
Pay less interest than a 30-year fixed but still get low, fixed monthly payments.
APR
Get a lower initial rate than a fixed rate mortgage.
APR
Get our lowest available rate for the first 5 years of your mortgage.
Loan assumptions and disclosures
Rates based on a $800,000 loan in DuPage County in Illinois
APR
Enjoy a low, fixed monthly payment for the life of the loan.
APR
Pay less interest than a 30-year fixed but still get low, fixed monthly payments.
APR
Get a lower initial rate than a fixed rate mortgage.
APR
Get our lowest available rate for the first 5 years of your mortgage.
Chart is for illustrative purposes only and rates are subject to change at any time without notice. The mortgage rates are valid as of Central Time and assume the borrower has excellent credit (740 credit score or higher). Your actual APR may differ depending on your credit history and loan characteristics. ARM interest rates are subject to increase after the initial fixed-rate period (5 years for a 5/6 ARM and 7 years for a 7/6 ARM).
Talk to a Mortgage Banker to get an official quote.
1-888-482-3781
Call center hours: Monday to Thursday, 8 A M to 7 P M (C T)Mon - Thu 8 a.m. - 7 p.m. (CT)
Friday 8 A M to 6 P M (C T)Fri 8 a.m. - 6 p.m. (CT)
Saturday 8 A M to 1 P M (C T)Sat 8 a.m. - 1 p.m. (CT)
Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score, refinance with cash out and other variables. This is not a credit decision or a commitment to lend. Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment.
The escrow portion of your monthly mortgage payment may change periodically during the term of your loan depending on changes to your property taxes and hazard, flood or other required insurance.
Additional loan programs may be available.
Today’s rates apply the following assumptions:
| Property Use | |
| Loan to value (LTV) | |
|---|---|
| Rate lock period | |
| Purchase amount | |
| Down payment (20%) | |
| Loan amount | |
| Lien position | lien |
| Property location | , , |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 84 | ||
| 275 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 60 | ||
| 299 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score, refinance with cash out and other variables. This is not a credit decision or a commitment to lend. Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment.
The escrow portion of your monthly mortgage payment may change periodically during the term of your loan depending on changes to your property taxes and hazard, flood or other required insurance.
Below rates do not reflect all available jumbo relationship discounts. New or existing Private Bank client discount of up to 0.25%; new or existing Premier Services client discount of up to 0.25%; new or existing BMO Harris client with at least $100,000 in BMO Harris deposit accounts discount of up to 0.125% (including trust accounts titled in the name of the Applicant) at the time of closing after all related closing costs have been applied.
Additional loan programs may be available.
Today’s rates apply the following assumptions:
| Property Use | |
| Loan to value (LTV) | |
|---|---|
| Rate lock period | |
| Purchase amount | |
| Down payment (20%) | |
| Loan amount | |
| Lien position | lien |
| Property location | , , |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 84 | ||
| 275 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 60 | ||
| 299 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
Rates based on a $400,000 loan in DuPage County in Illinois
| 30-year fixed | 15-year fixed | 7-year ARM | 5-year ARM |
|---|---|---|---|
|
APR
|
APR
|
APR
|
APR
|
| Enjoy a low, fixed monthly payment for the life of the loan. | Pay less interest than a 30-year fixed but still get low, fixed monthly payments.Pay less interest than a 30-year fixed but still get low, fixed monthly payments. | Get a lower initial rate than a fixed rate mortgage. | Get our lowest available rate for the first 5 years of your mortgage. |
Rates based on a $800,000 loan in DuPage County in Illinois
| 30-year fixed | 15-year fixed | 7-year ARM | 5-year ARM |
|---|---|---|---|
|
APR
|
APR
|
APR
|
APR
|
| Enjoy a low, fixed monthly payment for the life of the loan. | Pay less interest than a 30-year fixed but still get low, fixed monthly payments.Pay less interest than a 30-year fixed but still get low, fixed monthly payments. | Get a lower initial rate than a fixed rate mortgage. | Get our lowest available rate for the first 5 years of your mortgage. |
Rates based on a $400,000 loan in DuPage County in Illinois
APR
Enjoy a low, fixed monthly payment for the life of the loan.
APR
Pay less interest than a 30-year fixed but still get low, fixed monthly payments.
APR
Get a lower initial rate than a fixed rate mortgage.
APR
Get our lowest available rate for the first 5 years of your mortgage.
Loan assumptions and disclosures
Rates based on a $800,000 loan in DuPage County in Illinois
APR
Enjoy a low, fixed monthly payment for the life of the loan.
APR
Pay less interest than a 30-year fixed but still get low, fixed monthly payments.
APR
Get a lower initial rate than a fixed rate mortgage.
APR
Get our lowest available rate for the first 5 years of your mortgage.
Chart is for illustrative purposes only and rates are subject to change at any time without notice. The mortgage rates are valid as of Central Time and assume the borrower has excellent credit (740 credit score or higher). Your actual APR may differ depending on your credit history and loan characteristics. ARM interest rates are subject to increase after the initial fixed-rate period (5 years for a 5/6 ARM and 7 years for a 7/6 ARM).
Talk to a Mortgage Banker to get an official quote.
1-888-482-3781
Call center hours: Monday to Thursday, 8 A M to 7 P M (C T)Mon - Thu 8 a.m. - 7 p.m. (CT)
Friday 8 A M to 6 P M (C T)Fri 8 a.m. - 6 p.m. (CT)
Saturday 8 A M to 1 P M (C T)Sat 8 a.m. - 1 p.m. (CT)
Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score, refinance with cash out and other variables. This is not a credit decision or a commitment to lend. Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment.
The escrow portion of your monthly mortgage payment may change periodically during the term of your loan depending on changes to your property taxes and hazard, flood or other required insurance.
Additional loan programs may be available.
Today’s rates apply the following assumptions:
| Property Use | |
| Loan to value (LTV) | |
|---|---|
| Rate lock period | |
| Purchase amount | |
| Down payment (20%) | |
| Loan amount | |
| Lien position | lien |
| Property location | , , |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 84 | ||
| 275 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 60 | ||
| 299 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score, refinance with cash out and other variables. This is not a credit decision or a commitment to lend. Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment.
The escrow portion of your monthly mortgage payment may change periodically during the term of your loan depending on changes to your property taxes and hazard, flood or other required insurance.
Below rates do not reflect all available jumbo relationship discounts. New or existing Private Bank client discount of up to 0.25%; new or existing Premier Services client discount of up to 0.25%; new or existing BMO Harris client with at least $100,000 in BMO Harris deposit accounts discount of up to 0.125% (including trust accounts titled in the name of the Applicant) at the time of closing after all related closing costs have been applied.
Additional loan programs may be available.
Today’s rates apply the following assumptions:
| Property Use | |
| Loan to value (LTV) | |
|---|---|
| Rate lock period | |
| Purchase amount | |
| Down payment (20%) | |
| Loan amount | |
| Lien position | lien |
| Property location | , , |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
| Number of payments | |
| Interest rate | |
|---|---|
| Discount points | |
| APR | |
| Monthly principal & interest payment | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 84 | ||
| 275 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
Initial Interest Rate of with an APR of based on payments and discount points of
| Number of payments | Estimated interest rate | Estimated monthly payments |
|---|---|---|
| 60 | ||
| 299 | ||
| 1 |
| Current index rate | |
| Margin | |
|---|---|
| Rate adjustment frequency | |
| First adjusted interest rate cap | |
| Subsequent adjusted interest rate cap | |
| Lifetime rate cap | |
| Discount Points | |
| Underwriting Fee | |
| Appraisal Fee | |
| Appraisal Processing Fee | |
| Credit Report (per applicant) | |
| Flood Determination | |
| Tax Service Fee | |
| Title - Settlement or Closing Fee | |
| Title - Title Insurance | |
| Government Recording Fees |
After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than , with a maximum first payment of . The maximum lifetime rate will never be more than with an estimated maximum monthly payment of .
For rates, please call us at 1-888-482-3781.
Mon - Thurs 8 a.m. - 7 p.m. (CT)
Fri 8 a.m. - 6 p.m. (CT)
Sat 8 a.m. - 1 p.m. (CT)
Here’s all you need to get your application started:
We’ll guide you through the rest.
A mortgage banker will be available throughout the process to answer any questions you have and will follow up after you have submitted your application.
Give us a call to ask us any questions or apply by phone.
Call 1 8 8 8 4 8 2 3 7 8 11-888-482-3781
Call center hours: Monday to Thursday, 8 A M to 7 P M (C T)Mon - Thu 8 a.m. - 7 p.m. (CT)
Friday 8 A M to 6 P M (C T)Fri 8 a.m. - 6 p.m. (CT)
Saturday 8 A M to 1 P M (C T)Sat 8 a.m. - 1 p.m. (CT)
