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Pamela Cowan
Office: 608.283.5752

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30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.454%  0.250%
20 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.165%  0.750%
15 Year Fixed Rate
 Rate  APR  Points
 3.500%  3.598%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.517%  0.000%
5 Year Adjustable Rate (30 Year Term)
 Rate  APR  Points
 2.875%  2.845%  0.000%

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Pamela Cowan

Mortgage Banker

One West Main Street
Madison, WI 53703

Office: 608.283.5752
Cell Phone: 608.514.4247
Fax: 855.887.0447

Email: Pamela.Cowan@bmo.com

Unique Identifier: 503129

BMO Harris offers a full range of conventional and specialty mortgage options to meet your individual needs. Whether you are looking for a new mortgage or a refinance, we can help. I am available to answer your questions or guide you through the entire mortgage process.

Mortgage Advantages

Our Experts

Every BMO Harris Bank mortgage comes with the expertise of a Mortgage Banker. Your Mortgage Banker will explain the entire process to you, describe your typical mortgage costs up-front and help find the right mortgage for your needs. Find your nearest Mortgage Banker.

Mortgage Discounts

Interested in reducing the closing costs on your new purchase mortgage or refinance? One of the valuable benefits that BMO Harris offers customers is a closing cost credit towards a new purchase mortgage or the refinance of a home. Open a BMO Harris Select Checking account and get a $100 discount on closing costs or open a BMO Harris Portfolio Checking account and get a $200 discount on closing costs. The closing cost discount is applicable on a new BMO Harris mortgage loan with Auto Pay from your BMO Harris Select Checking account or a BMO Harris Portfolio Checking account. Auto Pay means periodic scheduled payments automatically deducted from your BMO Harris Select Checking or BMO Harris Portfolio Checking account. FHA loans do not require Auto Pay to receive this discount. Opening subject to bank approval. Special offers are subject to change without notice. Mortgage closing cost discount can only be applied to the purchase or refinance of a primary residence and does not apply to Refi-Xpress loans, home equity loans, interim, lot and recreational land loans.

Low Closing Costs and No Hidden Fees

At BMO Harris, we offer low closing costs and no hidden fees. Everything is simple and in easy-to-understand language.

Pre-Qualification & Pre-Approvals

Whether you are just shopping or ready to make an offer, we can help you prepare. If you are shopping for a home, get a free pre-qualification to learn how much home you can afford. Ready to make an offer? Get a pre-approval, a firm letter of commitment for a loan from BMO Harris Bank.

S.A.F.E. Act

At BMO Harris, we take pride in our people and the way we do business. The federal S.A.F.E. Act is aimed at protecting consumers and at BMO Harris, that's our aim too. We want to let you know that the Secure and Fair Enforcement for Mortgage Licensing Act took effect in 2010 and what it means for you. Click here to learn more about the S.A.F.E. Act.