Access competitive rates and exclusive discounts.
Investor Advantage Pricing
With our exclusive offer, the more qualifying assets you have with Schwab1, the more you may save on home purchase or refinance loans. Learn more about qualifying assets.
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Interest Rate Discount
$250K–$999K in qualifying assets
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Interest Rate Discount
$1M–$4.9M in qualifying assets
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Interest Rate Discount
$5M–$9.9M in qualifying assets
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Interest Rate Discount
$10M+ in qualifying assets
Jumbo Loans – Rates for Refinance
Rates below do not include Investor Advantage Pricing discounts and are based on a $1.3 million loan and 60% LTV. Clients will receive an additional 0.25% rate discount on purchases when selecting an IAP-eligible product (not available on loans with a 30-year fixed term).
See more Jumbo Loans
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See more Jumbo Loans IAP-eligible loan Loan type Rate (%) APR (%) Points (%) Rate and payment details Yes 10 Year ARM 6.875% 7.395% 0 Details Yes 5 Year ARM Interest-only payment option7.25% 7.961% 0 Details Yes 7 Year ARM Interest-only payment option7% 7.702% 0 Details Yes 10 Year ARM Interest-only payment option7% 7.504% 0 Details Yes 15 Year Fixed 6.75% 6.806% 0 Details Yes 30 Year Fixed 7.25% 7.288% 0 Details
Conforming Loans – Rates for Refinance
Rates below do not include Investor Advantage Pricing discounts and are based on a $350,000 loan and 60% LTV. Clients will receive an additional 0.25% rate discount on purchases when selecting an IAP-eligible product (not available on loans with a 30-year fixed term).
See more conforming loans
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See more conforming loans IAP-eligible loan Loan type Rate (%) APR (%) Points (%) Rate and payment details Yes 10 Year ARM 6.75% 7.331% 0 Details Yes 5 Year ARM Interest-only payment option7% 7.88% 0 Details Yes 7 Year ARM Interest-only payment option7% 7.72% 0 Details Yes 10 Year ARM Interest-only payment option7% 7.521% 0 Details No 10 Year Fixed 6.125% 6.267% 0.125 Details No 15 Year Fixed 6.25% 6.352% 0.125 Details No 20 Year Fixed 6.375% 6.441% -0.125 Details No 25 Year Fixed 6.75% 6.837% 0.25 Details No 30 Year Fixed 6.75% 6.815% 0.125 Details
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Investor Advantage Pricing
Schwab Bank's Investor Advantage Pricing (IAP) offers exclusive mortgage rate discounts for Schwab clients on eligible home loans. As a Schwab investor, you have unique financial goals. With Investor Advantage Pricing, you could save on your monthly mortgage payments, which gives you more freedom to invest. This interest rate discount cannot be combined with any other offers or rate discounts.
Select purchase and refinance loans are eligible for an interest rate discount of 0.25% - 1.00% based on qualifying assets of $250,000 or greater.
Discount for ARMs applies to initial fixed-rate period only. This offer is not valid on Home Equity Lines of Credit.
Qualifying assets1 are based on Schwab brokerage and Schwab Bank combined account balances, including:
a) Brokerage accounts in which the borrower(s) is an owner, trustee, or custodian;
b) Traditional, Roth, and Rollover Individual Retirement Accounts (IRA)* - individually owned or inherited. (Educational & Custodial IRAs are not eligible);
c) Bank accounts in which the borrower(s) is an owner or trustee: checking & savings;
d) Non-Retirement Business Corporation, LLC, Partnership, and Sole Proprietorship accounts may be eligible depending on the borrower's ownership and role. (excludes business retirement accounts such as Simple IRA, SEP IRA, & Pension Trust).
*Clients of Independent Investment Advisors: Qualifying assets are based on Schwab and Schwab Bank combined non-retirement account balances. For additional details please visit and log into www.schwaballiance.com.
