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BMO Harris Bank - Money in your Eaves - HELOCAt BMO, we believe healthcare professionals spend their time helping others and now it is our turn to help them, especially when it comes to homebuying. Physician Loans USA is NOT a lender. We assist Physicians and Dentists to connect with mortgage loan and Realtor professionals in all 50 states. I used bmo for a physician loan last year. I haven't had any such issues. Customer service was great. Mobile and online services are easy to use. No complaints.