Looking for some insight on those who have used Chase SBLOC and Schwab PAL. A lot of folks on here seem to have used Schwab's PAL in the past, but I see very little on Chase SBLOC. I'm looking to buy another home and want to use these products for financing.

I currently have nearly all of my assets with Chase, but they're being less aggressive than Schwab in terms of rate which has been disappointing. Because I've banked with Chase for so long I'm a bit hesitant to move over to Schwab though a lot of folks here seem to be big fans of Schwab.

Anything I should be watching out for when using these lines of credit? I understand the fundamentals of course, but mainly looking for any cons of Schwab or Chase specifically when taking out a line with them.

Would love to hear some opinions on Chase's SBLOC as well.