'; break; case 'subscribe': contentTitle = 'Subscribe'; contentWidth = 'width: 320px;'; contentString = ''; break; default: contentTitle = 'Email to a Friend'; contentString = ''; } var finalStringStart = ''; $(this).after(finalStringStart + contentString + finalStringEnd); if ($('.overlayProx').height() > availTopSpace) { verticalString = 'top: 42px;'; arrowString += 'top: -52px;'; arrowDirection = 'Up'; } else { verticalString = 'top:-'+ ($('.overlayProx').height() + 13) + 'px;'; arrowString += 'bottom:-17px;'; arrowDirection = 'Down'; } var arrowHString = 'left: ' + ($triggerObj.offset().left - $('.overlayProx').offset().left - 31 + $triggerObj.width()/2 - 11) + 'px; '; $('.overlayArrow').attr('style',arrowString + arrowHString).addClass('overlayArrow' + arrowDirection); $('.overlayProx').attr('style',$('.overlayProx').attr('style') + ';' + verticalString + "right:-10px;").focus(); $('.overlayClose, .cs_gr_btn').on("click", function(){ $('.overlayProx').prev().focus(); $('.overlayProx').remove(); }); if ($.browser.mozilla) { $('.overlayClose, .cs_gr_btn').keypress(checkForEnter); } else { $('.overlayClose, .cs_gr_btn').keydown(checkForEnter); } $('.newWindowOverlay').click(function(){window.open($(this).attr('href'));$('.overlayProx').remove(); return false;}); setupClickTracking('.overlayProx [data-tracking]'); $('.share-icon-cntr p').click(function(){ var $currObj = $(this); var currIndex = $('.share-icon-cntr p').index($currObj); var parent4 = $currObj.parent().parent().parent().parent(); var parent5 = parent4.parent().parent().parent(); if ($(parent4).hasClass('subscribeCntr')) { var targetIndex = $('.share-icon-cntr p').length - 1 - currIndex; $($('.subscribeCntr > [data-tracking]')[targetIndex]).click(); } else { var targetIndex = currIndex; if ($(parent5).hasClass('shareFooterCntr')) { $($('.shareFooterCntr .iconShare')[targetIndex]).click(); } else { $($('.pageUtilities .iconShare')[targetIndex]).click(); } } }); event.stopPropagation(); $('.overlayProx').on("click", function(e1){ e1.stopPropagation(); }); $('.overlayClose').on(($.browser.mozilla ? 'keypress' : 'keydown'),function(e){ if (e.keyCode == 9) { if (!e.shiftKey) { $('.overlayProx').prev().focus(); $('.overlayProx').remove(); } } }); $('#Send').on('click',function () { if (checkInput(document.getElementById('EmailForm'))) { var dataString = 'sender_name='+ $('#sender_name').val() + '&sender_email=' + $('#sender_email').val() + '&recipients=' + $('#recipients').val() + '&article_url=' + window.location.href; $.ajax({ type: "POST", url: "/public/schwab/nn/emailfriend_confirm.html", data: dataString, success: function(data) { $('#EmailForm').html(data); } }); scatShareLinkTrack('o', 'emailShare'); return false; } }); $("#EmailForm .cs_gr_btn").on('click',function () { $("#EmailForm span.cs_error").html(""); $("#EmailForm input").removeClass("cs_error"); $("#EmailForm input").attr('value', ''); }); }); if ($.browser.mozilla) { $('.overlayShareTrigger').keypress(checkForEnter); } else { $('.overlayShareTrigger').keydown(checkForEnter); } var qs = (function (a) { if (a == "") return {}; var b = {}; for (var i = 0; i 3) { i = 3; $("#cs_error_recipients").html("This page can be sent to a maximum of three recipients."); $("#recipients").addClass("cs_error"); f.recipients.value = recAddress; error = true; } if (f.recipients.value === "") { $("#cs_error_recipients").html("Please enter the recipient's email address."); $("#recipients").addClass("cs_error"); error = true; } else if (i > 0) { for (var j = 0; j '); });}function setupNewWindow(){ $('.newWindow').on("click", function(){window.open($(this).attr('href')); return false;}); }
Home LoansProvided by Quicken® Loans®
Looking to use the home equity you've built in your home? Get a competitive-rate home equity line of credit (HELOC), with no prepayment penalties or balance requirements and a quick closing, through Schwab Bank's home equity lending program provided by Quicken Loansthe nation's largest online mortgage lender with over 25 years of experience.
DEDICATED SERVICE
Receive helpful guidance at every step.
MORE CONVENIENCE
Experience a quick closing on your HELOC.
GREAT VALUE
No prepayment penalties or balance requirements.
Dedicated Service
- Get a dedicated team from Quicken Loans, and the support of Schwab Bank if you need it.
- Receive proactive updates on your HELOC throughout the process.
More Convenience
- Save time and effort with a fast and easy process. Home equity loans typically close within 38 days.2
- Sign and upload documents electronically.
- Access funds using your HELOC account checks.
Great Value
- Use the equity in your home to fund home improvements or consolidate higher-interest-rate debt.
- Pay interest only on the amount you access.
- Access a revolving line of credit that can give you the convenience to use as needed.
| Ready to take advantage of your home's equity? | Get Started | Call 877-535-4021 Mon.Fri., 8 a.m.9 p.m. ET; Sat., 8 a.m.4 p.m. ET |
Comparison Interest Rates
Based on current rates in San Francisco, CA.
| Lender Institution | Interest Rate | Prepay Penalty | Annual Fee |
| Schwab Bank | 3.990% (APR)2 | No | No |
| Wells Fargo | 4.625% | Yes | $75 |
| Bank of America | 4.529% | Yes | $0 |
| Citibank | 4.990% | Yes | $50 |
| Chase | 5.130%1 | No | $50 |
|
1. Origination fee may be required. 2. HELOC Terms: Home equity lines have a 10-year draw period followed by a 20-year repayment period. During the draw period, you will be required to make monthly payments of accrued interest. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. As of 06/02/14, the annual percentage rate (APR) for a primary residence is 3.99%. Rates vary for second homes or vacation homes. The APR on your home equity line of credit is variable based upon the Wall Street Journal Prime Rate plus a margin. The maximum APR that can apply is 18% or the maximum amount permitted by state law, whichever is less. The minimum credit line amount is $50,000 or the minimum amount permitted by state law, whichever is less. The maximum credit line is $1,000,000. Additional terms and conditions apply. You may not use this home equity line as a bridge loan, for commercial purposes, to invest in securities, or to repay a margin loan. HELOC Fees: The estimated range of fees you may pay is from $0 - $29.00 for every $1,000 of your line amount, and will vary based on the location of the property. The amounts provided are estimates and are not a substitute for initial disclosures of closing costs that you will receive once you apply for a loan with Quicken Loans. Proof of proper and adequate insurance may be required prior to closing. |
|||
Source: Informa Research Services, Inc., Calabasas, CA, . Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. Comparison rates are based on a $100,000 line of credit secured by a owner-occupied primary residence, a combined loan-to-value ratio of 75%, no application fee, and no minimum initial draw requirement. Rates shown do not reflect relationship or auto debit discounts. Other discounts may be available. Rates quoted as of 06/02/14, and may vary by region.
Based on current rates in Chicago, IL.
| Lender Institution | Interest Rate | Prepay Penalty | Annual Fee |
| Schwab Bank | 3.990% (APR)2 | No | No |
| Wells Fargo | 4.250% | Yes | $75 |
| Bank of America | 4.078% | Yes | $0 |
| Citibank | 4.740% | Yes | $50 |
| Chase | 5.250%1 | No | $50 |
|
1. Origination fee may be required. 2. HELOC Terms: Home equity lines have a 10-year draw period followed by a 20-year repayment period. During the draw period, you will be required to make monthly payments of accrued interest. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. As of 06/02/14, the annual percentage rate (APR) for a primary residence is 3.99%. Rates vary for second homes or vacation homes. The APR on your home equity line of credit is variable based upon the Wall Street Journal Prime Rate plus a margin. The maximum APR that can apply is 18% or the maximum amount permitted by state law, whichever is less. The minimum credit line amount is $50,000 or the minimum amount permitted by state law, whichever is less. The maximum credit line is $1,000,000. Additional terms and conditions apply. You may not use this home equity line as a bridge loan, for commercial purposes, to invest in securities, or to repay a margin loan. HELOC Fees: The estimated range of fees you may pay is from $0 - $29.00 for every $1,000 of your line amount, and will vary based on the location of the property. The amounts provided are estimates and are not a substitute for initial disclosures of closing costs that you will receive once you apply for a loan with Quicken Loans. Proof of proper and adequate insurance may be required prior to closing. |
|||
Source: Informa Research Services, Inc., Calabasas, CA, . Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. Comparison rates are based on a $100,000 line of credit secured by a owner-occupied primary residence, a combined loan-to-value ratio of 75%, no application fee, and no minimum initial draw requirement. Rates shown do not reflect relationship or auto debit discounts. Other discounts may be available. Rates quoted as of 06/02/14, and may vary by region.
Based on current rates in Atlanta, GA.
| Lender Institution | Interest Rate | Prepay Penalty | Annual Fee |
| Schwab Bank | 3.990% (APR)2 | No | No |
| Wells Fargo | 4.125% | Yes | $75 |
| Bank of America | 4.609% | Yes | $0 |
| Citibank | 4.990% | Yes | $50 |
| Chase | 5.120%1 | No | $50 |
|
1. Origination fee may be required. 2. HELOC Terms: Home equity lines have a 10-year draw period followed by a 20-year repayment period. During the draw period, you will be required to make monthly payments of accrued interest. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. As of 06/02/14, the annual percentage rate (APR) for a primary residence is 3.99%. Rates vary for second homes or vacation homes. The APR on your home equity line of credit is variable based upon the Wall Street Journal Prime Rate plus a margin. The maximum APR that can apply is 18% or the maximum amount permitted by state law, whichever is less. The minimum credit line amount is $50,000 or the minimum amount permitted by state law, whichever is less. The maximum credit line is $1,000,000. Additional terms and conditions apply. You may not use this home equity line as a bridge loan, for commercial purposes, to invest in securities, or to repay a margin loan. HELOC Fees: The estimated range of fees you may pay is from $0 - $29.00 for every $1,000 of your line amount, and will vary based on the location of the property. The amounts provided are estimates and are not a substitute for initial disclosures of closing costs that you will receive once you apply for a loan with Quicken Loans. Proof of proper and adequate insurance may be required prior to closing. |
|||
Source: Informa Research Services, Inc., Calabasas, CA, . Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. Comparison rates are based on a $100,000 line of credit secured by a owner-occupied primary residence, a combined loan-to-value ratio of 75%, no application fee, and no minimum initial draw requirement. Rates shown do not reflect relationship or auto debit discounts. Other discounts may be available. Rates quoted as of 06/02/14, and may vary by region.
Based on current rates in New York, NY.
| Lender Institution | Interest Rate | Prepay Penalty | Annual Fee |
| Schwab Bank | 3.990% (APR)2 | No | No |
| Wells Fargo | 4.375% | Yes | $75 |
| Bank of America | 4.757% | Yes | $0 |
| Chase | 4.870% 1 | No | $50 |
| Citibank | 4.990% | Yes | $50 |
|
1. Origination fee may be required. 2. HELOC Terms: Home equity lines have a 10-year draw period followed by a 20-year repayment period. During the draw period, you will be required to make monthly payments of accrued interest. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. As of 06/02/14, the annual percentage rate (APR) for a primary residence is 3.99%. Rates vary for second homes or vacation homes. The APR on your home equity line of credit is variable based upon the Wall Street Journal Prime Rate plus a margin. The maximum APR that can apply is 18% or the maximum amount permitted by state law, whichever is less. The minimum credit line amount is $50,000 or the minimum amount permitted by state law, whichever is less. The maximum credit line is $1,000,000. Additional terms and conditions apply. You may not use this home equity line as a bridge loan, for commercial purposes, to invest in securities, or to repay a margin loan. HELOC Fees: The estimated range of fees you may pay is from $0 - $29.00 for every $1,000 of your line amount, and will vary based on the location of the property. The amounts provided are estimates and are not a substitute for initial disclosures of closing costs that you will receive once you apply for a loan with Quicken Loans. Proof of proper and adequate insurance may be required prior to closing. |
|||
Source: Informa Research Services, Inc., Calabasas, CA, . Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. Comparison rates are based on a $100,000 line of credit secured by a owner-occupied primary residence, a combined loan-to-value ratio of 75%, no application fee, and no minimum initial draw requirement. Rates shown do not reflect relationship or auto debit discounts. Other discounts may be available. Rates quoted as of 06/02/14, and may vary by region.
Charles Schwab Bank
Source: National Mortgage News, second quarter 2013 report, based on total originations.
This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required.
Charles Schwab Bank and Charles Schwab & Co., Inc., are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Investment products are offered by Charles Schwab & Co., Inc. (member SIPC). Charles Schwab & Co., Inc., does not solicit, offer, endorse, negotiate, or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. Home lending is offered and provided by Quicken Loans Inc., Equal Housing Lender. Quicken Loans Inc. is not affiliated with The Charles Schwab Corporation, Charles Schwab & Co., Inc., or Charles Schwab Bank. Deposit and other lending products are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender.
Quicken Loans is an Equal Housing Lender. Quicken Loans Inc. is a licensed mortgage lender. Arizona: Quicken Loans Inc., 16425 North Pima, Suite 200, Scottsdale, AZ 85260, Mortgage Banker License #BK-0902939; Arkansas: Quicken Loans Inc., 1050 Woodward Avenue, Detroit, MI 48226-1906, 888-474-0404; California: Licensed by the Department of Corporations, CA Residential Mortgage Lending Act; Colorado: Quicken Loans Inc., NMLS #3030, 888-474-0404, Regulated by the Division of Real Estate; Georgia: Residential Mortgage Licensee #11704 1050 Woodward Avenue, Detroit, MI 48226-1906; Illinois: Residential Mortgage Licensee #4127 Department of Financial and Professional Regulation, 1050 Woodward Avenue, Detroit, MI 48226-1906; Maine: Quicken Loans Inc., Supervised Lender License NMLS #3030; Massachusetts: Quicken Loans Inc., Mortgage Lender License #ML-3030; Minnesota: Not an offer for a rate lock agreement; Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance; New Hampshire: Licensed by the NH Banking Department, #6743MB; New Jersey: Licensed Mortgage BankerNJ Department of Banking, first (and/or second) mortgages only; New York: Licensed Mortgage BankerNYS Banking Department; Oregon: Quicken Loans Inc., License #ML-1387; Pennsylvania: Licensed as a first Mortgage Banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; Rhode Island: Licensed Lender; Texas: Quicken Loans Inc., 1050 Woodward Avenue, Detroit, MI 48226-1906; Virginia: Quicken Loans Inc., NMLS ID #3030, (); Washington: Licensed by Consumer Loan Company License CL-3030. Quicken Loans Nationwide Mortgage Licensing System #3030. Rates subject to change. Restrictions may apply.
Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. "Quicken Loans" is a registered service mark of Intuit Inc., used under license.
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