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BMO Harris Bank - Money in your Eaves - HELOCWe can help you put the equity in your home to work. Just fill out the form below and we'll get back to you to discuss how to make your dreams a reality. The qualifications for a HELOC or home equity loan with BMO are very similar: You'll need to have a credit score of or higher. You'll also. What's a variable rate home equity line of credit (HELOC) compared to a fixed rate home equity loan? BMO Bank N.A. Member FDIC. equal housing lender.