Access competitive rates and exclusive discounts.
Investor Advantage Pricing¹
With our exclusive offer, the more qualifying assets you have with Schwab, the more you may save on home purchase or refinance loans. Learn more about qualifying assets.
-
Interest Rate Discount
$250K–<$1M in qualifying assets
-
Interest Rate Discount
$1M–<$5M in qualifying assets
-
Interest Rate Discount
$5M–<$10M in qualifying assets
-
Interest Rate Discount
$10M+ in qualifying assets
Save on a new home purchase
For a limited time, clients receive an additional 0.25% off the published rates below with no minimum asset requirement for select adjustable rate and 15-year Jumbo loans. This pricing may be combined with select Investor Advantage Pricing-eligible mortgage products (not available on 30-year fixed term Jumbo loans).
See what your potential rate may be on a new home purchase within minutes with a customized mortgage rate quote.
Valid through December 31, 2024.
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.
See more Jumbo Loans
-
See more Jumbo Loans IAP-eligible loan Loan type Rate (%) APR (%) Points (%) Rate and payment details Yes 10 Year ARM 6.375% 6.905% 0 Details Yes 5 Year ARM Interest-only payment option6.25% 7.278% 0 Details Yes 7 Year ARM Interest-only payment option6.375% 7.153% 0 Details Yes 10 Year ARM Interest-only payment option6.5% 7.016% 0 Details Yes 15 Year Fixed 6.5% 6.554% 0 Details Yes 30 Year Fixed 6.875% 6.91% 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.
See more Conforming Loans
-
See more conforming loans IAP-eligible loan Loan type Rate (%) APR (%) Points (%) Rate and payment details Yes 10 Year ARM 6.625% 7.088% 0 Details Yes 5 Year ARM Interest-only payment option6.875% 7.535% 0 Details Yes 7 Year ARM Interest-only payment option6.875% 7.417% 0 Details Yes 10 Year ARM Interest-only payment option6.875% 7.271% 0 Details No 10 Year Fixed 6.375% 6.492% 0 Details No 15 Year Fixed 6.375% 6.478% 0.125 Details No 20 Year Fixed 6.75% 6.819% 0 Details No 25 Year Fixed 6.875% 6.935% 0 Details No 30 Year Fixed 6.75% 6.815% 0.125 Details
Ready to get started?
-
Ready to get started?
Experience outstanding client service throughout the entire process with Schwab Bank and Rocket Mortgage®.
Mortgage rate calc
-
Mortgage Rate Calculator
See the rate you qualify for based on the goals and data you provide to help plan your mortgage.
-
Industry Leaders
Discover how the partnership between Schwab Bank and Rocket Mortgage provides you with award-winning service and industry-leading technology.
Get answers to common questions.
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.
