"just received offer from charles schwab. Get ARM at guaranteed lowest rate and once completed get a $500 Home Depot gift card. ARM is for 5 years with zero points. They guarantee to beat any lenders rate or pay $500 also. Must ask for this special offer. call 1-877-535-3882 or www.schwabbankmortgage.com. "
Source: fatwallet.com/forums/messageview.php?catid=52&threadid=502690
