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3 Reasons to Choose BMO for Your next mortgageHousing Finance Agency, FHA, VA, and State Bond Program loans are not eligible for the interest rate discount but will receive a $ closing cost discount if. Our low down payment mortgages can help make buying a home more affordable. Plus, down payment assistance available for any qualified home buyers. First-time home-buyer programs, renew vs. refinance, buying a home, purchasing a newly built property, buying your next property, eco-friendly home guide.