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BMO Harris offers home equity loans and home equity lines of credit (HELOCs), as well as personal loans, savings and checking accounts. BMO Harris offers relatively small loan amounts with a wide range of loan terms, including as short as 12 months. But there's no online application. BMO is a mortgage lender that offers low-down-payment home loans, physician mortgages, and more. Find out if BMO mortgages are right for.