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Breakfast seminar live -PACC - Artv ChicagoTry our home equity loan, HELOC Banking products and services are subject to bank and credit approval and are provided in the United States by BMO Bank N.A. In most cases, you'll need a minimum credit score of to to qualify for a BMO HELOC. BMO home equity loan. While HELOCs are lines of. BMO Harris HELOC offers home equity loans with a maximum term of 30 years with an additional draw period of up to 10 years. Is there a minimum draw requirement?