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?? BMO Harris Mortgage Review: Pros and Cons of Home FinancingExplore mortgage loan types, current rates, and calculate your monthly payments. BMO will help you get the mortgage that works for you. Minimum credit score, to , to ; Minimum down payment, 1% to %, 0% to % ; Loan products and programs, Conventional FHA Jumbo. Current BMO fixed mortgage rates ; 1-year (open). %. % ; 2-year. %. % ; 3-year. %. % ; 4-year. %. %.