Ameriprise Home Lending Program
Dedicated support, exclusive benefits and tailored solutions to support your home financing journey.
With the Ameriprise Home Lending Program, you can take advantage of personalized solutions for buying, refinancing or tapping into your home’s equity.
Ameriprise Bank partners with Rocket Mortgage to provide Ameriprise Home Lending Program clients with exclusive offers and preferred pricing on tailored home financing solutions.
Through the Ameriprise Home Lending Program, Rocket Mortgage provides:
- Personalized support from a dedicated team of Rocket Mortgage Home Loan Experts
- Preferred pricing and a $2,000 lender credit on mortgages and refinances.1
- Complimentary mortgage and home equity lending reviews and rate quotes.
Exclusive discounts on home financing solutions
With relationship pricing, you can unlock up to a 0.75% interest rate discount2 on select new mortgage or home equity line of credit products. Speak with your advisor or review the relationship pricing FAQ for more information.
How it works:
Complete these steps to earn an interest rate discount up to 0.750% based on your eligible assets with Ameriprise
- Complete a mortgage or home equity line of credit application with Rocket Mortgage.
- Open and fund an Ameriprise® Bank Checking Account at least 10 calendar days prior to closing.
- Agree to establish automatic payments from your Ameriprise Bank Checking Account at closing.
Speak with your advisor or review the promotion FAQ for more information.
* These mortgage interest rate discounts are only available on the following Ameriprise Home Lending Program products, provided by Rocket Mortgage: 10/6 jumbo Adjustable-Rate Mortgages (“ARMs”), 7/6 jumbo ARMs, 5/6 jumbo ARMs, jumbo 15-year fixed mortgages. See mortgage and HELOC discounts terms and conditions below for details.
Unlock more savings:
Earn a larger rate discount with eligible new deposits into an Ameriprise Bank Checking Account, Ameriprise® Bank Savings Account or Ameriprise Bank Certificates of Deposit (CDs). Qualifying deposits must be completed at least 10 calendar days prior to closing to be considered eligible for relationship pricing.
Program offerings
Whether you’re looking to purchase a new home, refinance an existing mortgage or tap into the available equity in your home, you’ll have access to a variety of home lending solutions.
Mortgage and refinance options for traditional home buyers, self-employed professionals, veterans, first-time homebuyers and individuals with unique credit situations.
Contact Rocket Mortgage at 866.697.3756 or request a call to get started.
Home Equity Line of Credit (HELOC) to fund a home renovation, pay for large expenses or consolidate debt. Review the HELOC FAQ.
Contact Rocket Mortgage at 866.697.3756 or request a call to get started.
Servicing information
Ameriprise Bank serviced loans
For payment and specific servicing information: 1.888.477.6365
Monday – Friday 7:30 a.m. to 7 p.m. Central time
Saturday 7:30 a.m. to 12 p.m. Central time
Rocket Mortgage serviced loans
For payment and specific servicing information: 1.800.508.0944
Monday – Friday 8:30 a.m. to 9 p.m. Eastern time
Saturday 9:00 a.m. to 4 p.m. Eastern time
Review the Ameriprise Home Lending Program FAQ for more details.
Enjoy a $2,000 lender credit and preferred program pricing when you purchase a home or refinance with Rocket Mortgage.1
Enjoy a $2,000 lender credit and preferred program pricing when you purchase a home or refinance with Rocket Mortgage.1
1Clients will receive a lender credit of $2,000 and preferred pricing when they lock their interest rate on a retail purchase or refinance first lien loan. This offer is only available to clients who apply and close a loan with Rocket Mortgage through the dedicated phone number, website or Rocket's Pro Refer Application from Ameriprise Financial. Offer is not valid on 10/6 jumbo Adjustable-Rate Mortgages (“ARMs”), 7/6 jumbo ARMs, 5/6 jumbo ARMs, jumbo 15-year fixed mortgages and home equity lending products. This offer cannot be retroactively applied to previously closed loans or previously locked loans. Offer does not apply to new loans submitted through non-retail loan originators, including brokers, non-Agency and 2nd lien loans. Additional terms and restrictions apply. Rocket Mortgage reserves the right to cancel/modify this offer/terms/conditions at any time. Acceptance of this offer constitutes acceptance of these terms and conditions. Offer is nontransferable. This is not a commitment to lend. Offer not valid with any additional discounts or promotions.
2The interest rate discounts are only available to clients who apply for a new 10/6 jumbo Adjustable-Rate Mortgages (“ARMs”), 7/6 jumbo ARMs, 5/6 jumbo ARMs, jumbo 15-year fixed mortgages and home equity line of credit (“HELOC”) and close that loan or line of credit with Rocket Mortgage through the dedicated phone number, website or Rocket's Pro Refer Application from Ameriprise Financial.
To be eligible for the applicable mortgage or HELOC interest rate discount:
A. Automatic Payment: Client(s) must agree to establish automatic mortgage or HELOC payments from his/her Ameriprise® Bank Checking Account (“Checking Account”) at closing, AND
i. The Checking Account provided for the automatic payment must be in the name of one or more mortgage loan or HELOC borrower(s) and be open, funded and in good standing 10 days prior to closing and at closing.
ii. Checking Account must have sufficient funds to cover the mortgage or HELOC payment amount at the time of automatic payment deduction to avoid fees. Please refer to your mortgage loan or HELOC closing document(s) and Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for applicable product fees, terms and conditions.
B. Eligible Assets: Client must have: 1) at least $500,000 in Eligible Household Assets Amount and 2) meet the applicable Eligible Assets Amount threshold for the corresponding interest rate discount.
Eligible Assets Amount includes Eligible Household Assets Amount and New Money Amount. The Eligible Assets Amounts thresholds and applicable interest rate discounts are as follows:
Eligible Assets Amount Mortgage Interest Rate Discount HELOC Interest Rate Discount
$500,000 - $999,999.99 0.125% off interest rate 0.25% off interest rate
$1 million - $4,999,999.99 0.25% off interest rate 0.35% off interest rate
$5 million - $9,999,999.99 0.5% off interest rate 0.5% off interest rate
$10,000,000 or more 0.75% off interest rate 0.75% off interest rate
New Money Amount is not required to be deposited into your Deposit Account to receive the interest rate discount. You can maximize the interest rate discount and unlock higher discount on certain new mortgage or HELOC by depositing New Money Amount. See Section B.ii below for details.
i. Eligible Household Assets: Client(s) must have eligible Ameriprise assets amount in client’s primary household group in the last Ameriprise consolidated statement 10 days prior to closing (“Eligible Household Assets Amount”). Eligible Household Assets Amount must meet the applicable threshold for the corresponding interest rate discount.
• The Eligible Household Assets Amount must be held in the following open and active Ameriprise accounts: Ameriprise Bank, FSB deposit accounts, Ameriprise Bank (Savings, Checking, Certificate of Deposits) accounts, Ameriprise® Certificates, Ameriprise ONE®, Active Portfolios®, Ameriprise Brokerage accounts, TRAD, RPS VL/UL, RiverSource® annuity products, Genworth: AMER MAYFLOWER, First Colony Policy file, GE Capital assurance file, GE Life policy file, UNUM Policy file, John Hancock LTD, Direct at Fund Level 4, Direct at Fund – Networked Level 0, each held individually, jointly or by revocable living trust within the client’s primary household group. The following Ameriprise accounts are not considered eligible Ameriprise accounts: external accounts and Ameriprise Trust accounts. The list of eligible Ameriprise accounts and ownership types may change at any time without notice, unless otherwise required by law.
• A primary household group consists of accounts owned by an individual, his or her spouse or domestic partner, and their unmarried children under the age of 21 who reside at the same address. Ameriprise accounts held by any corporation, partnership, irrevocable trust and other entity type will not be considered part of the primary household group for these interest rate discounts.
• For co-borrowers, at least one borrower must have the Eligible Household Assets Amount. The Eligible Household Assets Amount will be determined by the highest amount among the co-borrowers.
• For example, if a client has $900,000 in Eligible Household Assets Amount, the corresponding interest rate discount would be 0.125% off mortgage interest rate and 0.25% off HELOC interest rate. See Section B.ii below on how you can unlock higher interest rate discount with New Money Amount deposit.
• Eligible Household Assets Amounts will be verified 10 days prior to closing.
ii. New Money – Added Benefit: If you have at least $500,000 in Eligible Household Assets Amount, you can maximize the interest rate discount and unlock higher discount on certain new mortgage or HELOC by depositing New Money Amount. New Money must be deposited by you into and posted to your Checking Account, Ameriprise Bank Savings Account, Ameriprise Bank Certificate of Deposit account (each, “Deposit Account”) after you apply for an eligible mortgage or HELOC and 10 days before closing (“New Money Amount”). The New Money Amount deposited and posted to your Deposit Account(s) will be added to your Eligible Assets Amount.
• New Money is money that is deposited into your Ameriprise Deposit Account(s) directly from external accounts outside of Ameriprise Bank, FSB and its affiliates. Deposits made by internal transfers from any Ameriprise accounts are not considered New Money.
• The client(s) must have an existing Deposit Account or open and fund a new Deposit Account. The Deposit Account(s) must be in good standing. Please refer to Ameriprise Bank, FSB Deposit Account Agreement for Deposit Accounts terms and conditions.
• The client must be the owner or co-owner of Deposit Account(s).
• For example, if a client has $900,000 in Eligible Household Assets Amount and $150,000 in New Money Amount is deposited and posted to that client’s Deposit Account, the corresponding interest rate discounts would be 0.25% off mortgage interest rate and 0.35% off HELOC interest rate.
• New Money Amount deposited into and posted to your Deposit Account(s) will be verified 10 days before closing.
Interest rate discount is limited to a maximum 0.75% reduction per eligible mortgage or HELOC depending on the Eligible Assets Amount.
One interest rate discount per loan or line of credit. Interest rate discounts do not apply to new loans or lines of credit submitted through non-retail loan originators, including brokers, non-Agency and 2nd lien loans.
The interest rate discounts cannot be retroactively applied to previously closed loans or lines of credit or previously locked loans or line of credit. Additional terms and restrictions apply. Rocket Mortgage reserves the right to cancel or modify these interest rate discounts, terms and conditions at any time. Interest rate discount is nontransferable. Interest rate discounts are not valid with any additional discounts or promotions. Contact a Rocket Mortgage Banker for more details.
This is not a commitment to lend. Loans and lines of credit are subject to credit and collateral approval. Terms and conditions apply.
Deposit Accounts are provided by Ameriprise Bank, FSB, Member FDIC. Deposit Accounts are subject to approval.
3The interest rate discounts are only available to clients who apply for a new 10/6 jumbo Adjustable-Rate Mortgages (“ARMs”), 7/6 jumbo ARMs, 5/6 jumbo ARMs, jumbo 15-year fixed mortgages and home equity line of credit (“HELOC”) and close that loan or line of credit with Rocket Mortgage through the dedicated phone number, website or Rocket's Pro Refer Application from Ameriprise Financial. The client(s) must apply for eligible new mortgage loan or HELOC between April 14, 2026 and October 31, 2026.
If you have less than $500,000 in Eligible Household Assets Amount and agree to establish automatic payment, you will be eligible for 0.125% discount off certain mortgage and HELOC interest rates.
Client(s) must agree to establish automatic mortgage or HELOC payments from his/her Ameriprise® Bank Checking Account (“Checking Account”) at closing. The Checking Account provided for the automatic payment must be in the name of one or more mortgage loan or HELOC borrower(s) and be open, funded and in good standing 10 days prior to closing and at closing. Checking Account must have sufficient funds to cover the mortgage or HELOC payment amount at the time of automatic payment deduction to avoid fees. Please refer to your mortgage loan or HELOC closing document(s) and Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for applicable product fees, terms and condition.
Eligible Household Assets Amount means eligible Ameriprise assets amount in client’s primary household group in the last Ameriprise consolidated statement 10 days prior to closing. The Eligible Household Assets Amount must be held in the following open and active Ameriprise accounts: Ameriprise Bank, FSB deposit accounts, Ameriprise Bank (Savings, Checking, Certificate of Deposits) accounts, Ameriprise® Certificates, Ameriprise ONE®, Active Portfolios® , Ameriprise Brokerage accounts, TRAD, RPS VL/UL, RiverSource® annuity products, Genworth: AMER MAYFLOWER, First Colony Policy file, GE Capital assurance file, GE Life policy file, UNUM Policy file, John Hancock LTD, Direct at Fund Level 4, Direct at Fund – Networked Level 0 each held individually, jointly or by revocable living trust within the client’s primary household group. The following Ameriprise accounts are not considered eligible Ameriprise accounts: external account and Ameriprise Trust accounts. The list of eligible Ameriprise accounts and ownership types may change at any time without notice, unless otherwise required by law. A primary household group consists of accounts owned by an individual, his or her spouse or domestic partner, and their unmarried children under the age of 21 who reside at the same address. Ameriprise accounts held by any corporation, partnership, irrevocable trust and other entity type will not be considered part of the primary household group for these interest rate discounts. For co-borrowers, at least one borrower must have the Eligible Household Assets Amount. The Eligible Household Assets Amount will be determined by the highest amount among the co-borrowers.
If you have more than $500,000 in Eligible Household Assets Amount, see applicable interest rate discounts and terms and conditions at https://www.ameriprise.com/products/ameriprise-bank/home-lending.
One interest rate discount per loan or line of credit. Interest rate discounts do not apply to new loans or lines of credit submitted through non-retail loan originators, including brokers, non-Agency and 2nd lien loans.
The interest rate discounts cannot be retroactively applied to previously closed loans or lines of credit or previously locked loans or line of credit. Additional terms and restrictions apply. Rocket Mortgage reserves the right to cancel or modify these interest rate discounts, terms and conditions at any time. Interest rate discount is nontransferable. Interest rate discounts are not valid with any additional discounts or promotions. Contact a Rocket Mortgage Banker for more details.
This is not a commitment to lend. Loans and lines of credit are subject to credit and collateral approval. Terms and conditions apply.
Ameriprise Bank Checking Accounts are provided by Ameriprise Bank, FSB, Member FDIC. Ameriprise Bank Checking Accounts are subject to approval.
New Money must be deposited by you into and posted to your Checking Account, Ameriprise Bank Savings Account, Ameriprise Bank Certificate of Deposit account (each, “Deposit Account”) after you apply for an eligible mortgage or HELOC and 10 days before closing (“New Money Amount”). The New Money Amount deposited and posted to your Deposit Account(s) will be added to your Eligible Assets Amount.
Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and collateral approval. Additional terms and conditions apply.
Ameriprise Bank, FSB provides mortgage and home equity lending products and services through a third-party relationship with Rocket Mortgage, LLC NMLS#3030. Access the Rocket Mortgage NMLS consumer access page. Mortgage and home equity lending products are offered by Rocket Mortgage, LLC. Rocket Mortgage, LLC is not an affiliate of Ameriprise Bank, FSB. Ameriprise Bank, FSB does not offer or negotiate mortgage and home equity lending products and does not take mortgage and home equity lending applications. Ameriprise Bank, FSB may purchase and service some mortgage and home equity lending products originated by Rocket Mortgage, LLC. Ameriprise Bank, FSB does not guarantee products or services offered by Rocket Mortgage, LLC.
Rocket Mortgage, LLC; NMLS #3030; www.NMLSConsumerAccess.org. Equal Housing Lender. Licensed in 50 states. For additional information please visit www.RocketMortgage.com.
If Ameriprise Bank, FSB purchases your home equity lending product, the proceeds from that home equity lending product may not be used to purchase, carry or trade margin stock, or to pay down any existing margin loan balance and cannot be deposited with Ameriprise Financial Inc. or any of its subsidiaries, either directly or indirectly, under any circumstances, except into Ameriprise Bank, FSB deposit accounts.
Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC (AFS). Ameriprise Bank, FSB and AFS are subsidiaries of Ameriprise Financial, Inc. Your Ameriprise advisor may earn compensation in connection with the Ameriprise Bank products that you choose to open. Ameriprise Bank, FSB. Member FDIC.
Ameriprise Bank, FSB. Member FDIC.
Equal Housing Lender
Ameriprise Financial, Inc., its affiliates and associated financial advisors are not mortgage originators, do not make, offer or negotiate terms of any home lending products including mortgages and home equity lines of credits.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
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