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?? BMO Harris Mortgage Review: Pros and Cons of Home FinancingBMO has a specialty mortgage called the Neighborhood Home Loan Product that allows low down payments and can be combined with down payment. 2 Applications and the amount clients can borrow are subject to meeting BMO's usual credit criteria. Some conditions apply. Terms, conditions and options are. BMO Mortgage Specialist Locator. Find BMO Mobile Mortgage Specialists to assist with new home purchases and financing needs.