Mortgage Special Offers
Ready to buy a new home? We’ll help you get there with our special offers.
Not ready to apply just yet?Talk to an expert
Save more on mortgage costs
You worked hard to save money to purchase your house. We'll help you save even more on mortgage footnote 1 costs.
Limited Time Offer
Save up to $500 in closing costs. footnote dagger
Relationship Discount
Starting at 0.125% on your mortgage with qualifying balances in BMO deposit accounts. footnote 2
Save with Auto Pay
Receive a 0.125% rate discount with Auto Pay from a BMO Checking account. footnote 3
Apply for a mortgage and save
Your new home awaits. Get started on the application process in just a few easy steps.
Get pre-qualified
Find out exactly how much house you can afford.
Submit your paperwork
You can do this online, over the phone or with a dedicated mortgage banker.
Close the deal
We’ll keep things moving forward so that you can move in faster.
What you’ll need to apply
Information about yourself, including your name, address and Social Security Number- Income verification, including your W2, pay stubs and tax returns
- Information about your assets, such as bank statements
- Your real estate agent’s contact information
Not ready to apply yet? Talk to an expert
frequently asked questions
The closing cost offer is available on BMO purchase mortgages only.
This offer is only available for mortgage purchase applications for homes used as primary or secondary residences and investment properties. footnote dagger This offer applies to applications taken between September 1, 2024, and March 31, 2026.
Relationship pricing is a rate discount provided to BMO customers who have other deposit account balances with BMO and an eligible BMO loan. The discount is available to new or existing BMO clients with eligible loan products and is based on the loan amount and the balances in eligible BMO accounts at the time of closing. footnote 2
Yes, you will receive a 0.125% rate discount if you authorize BMO at origination to withdraw your loan payment each month from your BMO consumer checking account. footnote 3
Helpful tips for your homebuying journey
A guide to down payment assistance programs
We dive into down payment assistance programs: what’s available, who’s eligible, where & how to apply, and more.
Mortgage Payment Calculator
Find out your estimated mortgage payments and options quickly and easily. footnote 4
Mortgage Affordability Calculator
Ready to start house hunting? Learn how much mortgage you can afford in no time. footnote 4
Have questions? That’s what we’re here for.
Talk to an expert
Book a time to chat about your mortgage lending options.
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- Special offers are subject to change.
- Footnote dagger details The closing cost discount offer is available on applications received from September 1, 2024, through March 31, 2026. The closing cost discount offer consists of a $500 closing cost discount depending on loan amount. This offer is available subject to the following:
- Closing Cost Discount: The closing cost discount may be applied to the purchase mortgage at closing. It is available for conforming (loans up to $832,750) secured by 1 to 4 unit homes used as primary residences, second homes, or investment properties.
- Footnote 1 details Relationship Requirement:
- If the property is not located in the following locations; A Z, C A, C O, F L, I D, I L, I N, IA, K S, M N, M O, N E, N V, N M, N D, O K, O R, S D, U T, W A, W I, W Y, and EL Paso County, T X (BMO does not offer Home Equity Products in Texas) to be eligible for our real estate secured lending products, you must be a pre-existing BMO customer for at least six months at the time of application; contact a Banker for details. A BMO customer relationship includes any deposit, retirement, small business, secured and unsecured credit, and investment accounts (BMO Alto account are excluded). Not applicable to our Private Bank clients or BMO employees.
- Footnote 2 details Relationship Pricing Discount
- Applicant must meet the eligibility requirements to receive the relationship discount. The relationship discount is available to new or existing BMO clients with eligible loan products (Jumbo, Physicians, Gateway, or One Close loan programs) and is based on the loan amount and the balances in BMO deposit accounts (including trust accounts titled in the name of the Applicant) at the time of closing after all related closing costs have been applied.
- Clients with an eligible conforming loan product (loan amounts up to $832,750) and at least $250,000 in BMO deposit accounts are eligible to receive the relationship discount of 0.125%.
- Clients with a Jumbo loan (loan amounts over $832,750) and with $250,000 to $499,999 in BMO deposit accounts are eligible to receive the relationship discount of 0.250%.
- Clients with a Jumbo loan (loan amounts over $832,750) and with $500,000 to $999,999 in BMO deposit accounts are eligible to receive the relationship discount of 0.375%.
- Clients with a Jumbo loan (loan amounts over $832,750) and with at least $1,000,000 in BMO deposit accounts are eligible to receive the relationship discount of 0.500%.
- Private Bank Clients with a Jumbo loan (loan amounts over $832,750) and with at least $2,000,000 in BMO deposit accounts are eligible to receive the relationship discount of 0.625%.
- Eligible balances include all BMO Personal, Investment, Trust, Business Banking, and BMO Financial Group employee 401(k) accounts. Eligible balances exclude BMO Alto Accounts and BMO Self-Directed Investment Accounts. For Business accounts, applicant must be an owner of, and an authorized signer on, the associated business account. Assets used for mortgage discount eligibility purposes must exclude any funds needed to close.
- Footnote 3 details Auto Pay Interest Rate Discount
- To receive a 0.125% rate discount, you must authorize BMO at origination to withdraw your loan payment each month from your BMO consumer checking account. Housing Finance Agency, F H A, V A, and State Bond Program loans are not eligible for the interest rate discount but will receive a $500 closing cost discount if eligible.
- Footnote 4 details Calculator is provided by Leadfusion Inc., which is not affiliated with BMO. 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. Visit its website at www.leadfusion.com to review its privacy policy.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.
- Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member F D I C.