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Paying Off Your House Early is a Mistake (According to the MATH)As of 10/29/, rates vary from % APR to % APR depending on property state, loan amount and other variables. Please consult a banker for pricing in. Prime Rate + % (good credit): %. Prime Rate + % (average credit): %. Prime Rate + % (not so great credit): %. BMO mortgage review � % rate discount if you set up autopay from a personal BMO checking account (% on HELOCs) � Close-on-time.