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? How To Open BMO Harris Bank Account (Full Guide)Mortgage Loan Types at a Glance � Fixed Rate � Adjustable Rate � Low Down Payment Mortgages � Refinancing � Jumbo Mortgages � Investment, Condo, and Multi-Family. 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. A secured loan requires you to offer security or collateral to borrow money; an unsecured loan doesn't.