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Mortgage Tips - Learning Center on Helpful Steps - BMO Harris BankWe're here to help! BMO offers a wide range of personal and business banking services, including bank accounts, mortgages, credit cards, loans and more. Preapproval is a loan commitment based on verified information prior to finding a home. There are no fees to apply for a BMO preapproval. A completed loan. The minimum credit score you'll need to get an FHA or VA loan with this lender is While this is a common score requirement for FHA loans.