Mortgage Special Offers
Ready to make your home buying dreams come true? We’ll help you get there with our special offer.
Not ready to apply just yet?Talk to an expert
Get up to $500 off your closing costs footnote 1
For a limited time with a BMO mortgage.
Get the details
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 2 costs with up to $500 off your closing costs. footnote 1 Plus, receive a 0.125% rate discount with Auto Pay. footnote 3
Take advantage of low costs
Save up to $500 in closing costs. footnote 1
The convenience of Auto Pay
Receive a 0.125% rate discount with Auto Pay from a BMO Checking account. footnote 3
Apply for a mortgage and save on your closing costs
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.
See how much you’ll save.
Your total mortgage amount: up to $806,500
Your closing cost discount: footnote 1 $500
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
Special mortgage offer F A Qs
Yes, this offer is available on purchase mortgages only.
Great question. A mortgage pre-qualification gives you a general idea of how much house you can afford to buy. That way, you can start the house-hunting process with a better idea of your budget.
This offer is only available for mortgage purchase applications for homes used as primary or secondary residences and investment properties.footnote 1 This offer applies to applications taken between September 1, 2024, and September 30, 2025.
Helpful tips for your homebuying journey
Apply at home
Apply safely and securely on any device. You can upload your documents and check on your application status whenever you’d like.
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Mortgage Affordability Calculator
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Talk to an expert
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Call us
Want to talk about your mortgage options? Give us a call when you’re ready to get started.
- Special offers are subject to change.
- Footnote 1 details. The closing cost discount offer is available on applications received from September 1, 2024, through September 30, 2025. 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 $806,500) secured by 1 to 4 unit homes used as primary residences, second homes, or investment properties.
- Footnote 2 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, I A, 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 (Home Equity Line of Credit is not available 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 3 details. Auto Pay Interest Rate DiscountTo 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.
- 4. 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.