Enjoy exclusive discounts available through Schwab Bank.

Schwab Bank's Investor Advantage (IAP) Pricing 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 assets 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 role. (Excluding Business Retirement accounts such as Simple IRA, SEP IRA & Pension Trust).

*Clients of Independent Investment Advisors: IRA account balance eligibility is not available for 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 Schwab Bank makes its best effort to identify all qualifying assets based on your Social Security Number. If you have questions regarding your specific assets, account eligibility and IAP eligible loans, please call your


Schwab Bank representative for assistance. Clients that utilize an eligible IRA account balance to qualify for certain discounts may qualify for one special IRA benefit package per loan. This includes an in-depth personal financial plan analysis to include a detailed review of your IRA by a Certified Financial Planner. This information does not constitute and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab Bank recommends consultation with a qualified tax advisor, CPA, financial planner, or investment manager.

Mortgage First is a preapproval program that allows you to get preapproved on your home loan before you start shopping for your new home.

By providing documentation up front and getting preapproved, you will have confidence while shopping for your house knowing that you've already been preapproved for financing. Additionally, being preapproved up front can give you a competitive advantage in the market.

You will need to complete the credit application and provide your income, asset, and credit documentation for review in order to get preapproved.