Can today's lower interest rates put more money in your pocket?   Get your Mortgage Check-Up today and find out if now is the right time to refinance. http://schwab.ed10.net/ud/U6UC/3VJJ/UTWU/N9/A7EJ1F   The latest move by the Federal Reserve has slashed mortgage  rates to 30-month lows. According to a 2001 study conducted  by Bear Stearns, 87% of all American homeowners would be able  to reduce their monthly payments by refinancing at today's  rates.   How much could you save?  The Schwab Mortgage Check-Up provided by E-Loan can help you  determine whether you can put some extra cash in your own pocket.  E-Loan's Mortgage Check-Up will compare your rate to the current  market in about a minute. If a better rate is available, the  Mortgage Check-Up will show you how much you can save by refinancing.  Click for a Check-Up  Get your Mortgage Check-Up today and find out if now is the right  time to refinance.   http://schwab.ed10.net/ud/IFYP/2C9O/IQ6Y/28/A7EJ1F   -------------------------------------------------------------------- Charles Schwab & Co., Inc. provides links to E-Loan as a convenience  to its clients and licenses the Schwab Mortgage Center name to E-Loan.  The Schwab Mortgage Center is on an E-Loan server and E-Loan is solely  responsible for all content on the site. Charles Schwab & Co., Inc.  does not solicit, offer, endorse, negotiate or originate any mortgage  loan products. All mortgage loans and loan origination services are  offered and provided by E-Loan. Nothing herein is or should be  interpreted as an obligation to lend. E-Loan is not acting or registered  as a securities broker-dealer or investment advisor. E-Loan is an Equal  Housing Lender. E-Loan or one of its business affiliates is duly licensed  to originate loans in all states.  -------------------------------------------------------------------- If you would prefer to receive only account service emails, please reply  to this email indicating your preference. Please note: doing so will not  remove you from any SchwabAlerts(R) or email newsletters or information  to which you have actively subscribed.  For your protection, we are unable to accept instructions to change your  email address sent in reply to this message. To update your address,  please log in to your account using the link below. From there you will  be able to update your email information securely.  http://schwab.ed10.net/ud/IFYP/TL41/IQ6Y/QR/A7EJ1F   We respect your privacy. To minimize your receipt of duplicate information  and for internal recordkeeping purposes, Schwab may track responses, if any,  to this offer. Read more about Schwab's privacy policy. http://schwab.ed10.net/ud/IFYP/5ARA/IQ6Y/50/A7EJ1F   Notice: All email sent to or from the Charles Schwab corporate email system  and may be retained, monitored, and/or reviewed by Schwab personnel.  (c)2001 Charles Schwab & Co., Inc. All rights reserved. Member SIPC/NYSE.   (1001-1852)   [[IFYP-IQ6Y-A7EJ1F-D]] [IMAGE]