Eagle Gold All-in-One: FAQs and Product Details


FAQ Section

Product Features and Benefits
  • What Are The Benefits?
    Benefits include: 

    • One single monthly payment
    • A dedicated First Republic banker
    • Attractive rates that offer the potential to reduce monthly payments and overall loan repayment amounts
    • A choice of term options
    • No origination, annual or prepayment fees 
    • A simple and stress-free refinancing process
    There is an additional limited-time offer of a rebate on interest paid against the loan, up to 2.00% of the original loan balance if the loan is paid off within 48 months. (See below for additional details.)
  • How Does Eagle Gold All-in-One Differ From Other Loans?
    The Eagle Gold All-in-One loan is not an educational loan, so some features of any existing educational loans will no longer be available if the loans are refinanced into an Eagle Gold All-in-One. For example:

    • There are no deferment options.
    • There are no payment options based on limited income.
    • There are no forgiveness provisions, either for having made payments for a specified length time or for engaging in particular professions or activities
    • Tax benefits including paid interest deductions for ‘qualified education loans’ are not available.
    • The period during which student loans must be repaid may be reduced or extended.
    Consider these factors carefully when choosing whether to refinance existing student loans, and contact your First Republic banker to discuss any questions you may have. If anything is unclear, we will take the time to ensure you have all the information you need. You should also contact your legal, tax and financial advisors for assistance in deciding whether this is the right product for you.
  • Is The Interest On Eagle Gold All-in-One Tax Deductible?
    Interest is not tax deductible, because the Eagle Gold All-in-One is not a qualified education loan.

    First Republic Bank does not provide tax advice. The levels and bases of taxation can change. Client’s tax affairs are their own responsibility. First Republic recommends that clients consult their own attorneys or other tax advisors in order to understand the tax consequences of any products and services mentioned in this document.
  • Are There Any Prepayment, Origination Or Annual Fees?
    There are no prepayment, origination or annual fees associated with the Eagle Gold All-in-One.
  • How Does The 2.00% Prepayment Rebate Work?
    First Republic will rebate the interest that has been paid against the loan, up to 2.00% of the original loan balance if the loan is paid in full within 48 months.
Application Process And Qualification
  • What Are The Requirements To Receive The Eagle Gold All-in-One Loan Rates?
    You must have a First Republic ATM Rebate Checking Account with automatic loan payment, direct deposit of main source of income, and online banking. Minimum $500 to open an ATM Rebate Checking account. A monthly fee will apply if minimum monthly average balance of $3,500 is not maintained. Monthly fee waived for first three months; monthly fee is currently $25.00. Without auto debit, direct deposit and online banking, the rates will be as listed plus 5.00%. Rates are effective as-of June 1, 2016. The loan amount must be between $60,000 and $300,000. All loans are subject to First Republic’s underwriting standards. Terms and conditions apply. You must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. For a complete list of office locations, visit our locations page or contact a First Republic banker.
  • What Is The Application Process?
    Applications can be filled out online using your computer or mobile device. You will then need to meet with a First Republic banker to complete your account opening paperwork. Visit our locations page to find an office near you.
  • What Documents Are Needed?
    • Primary form of government-issued ID (i.e. passport, military ID, driver’s license)
    • Verification of personal liquidity with full account statements
    • Two most recent pay stubs or P&L statements for self-employed individuals 
    • Prior year, year-end income verification (W-2 or tax returns)
    • Completed Eagle Gold All-in-One application
  • Are Co-signers Allowed?
    Yes, we allow co-signers.
  • What Is The Turn-around Time For Receiving A Response From Eagle Lending?
    After First Republic receives all of the required documents, the typical response time for approval is approximately one to two weeks.
  • If Approved For An Eagle Gold All-in-One Loan, Do I Pay Off My Current Service Provider(s), Or Is That Handled By First Republic?
    First Republic will send a check on your behalf to your current service provider(s) based on contact information you provide.
  • Whom Do I Contact If I Have More Questions?
    For further information, contact the First Republic Eagle Lending team at (888) 408-0288 or EagleLending@firstrepublic.com.

  • Why Do You Currently Not Offer The Eagle Gold All-in-One Loan In My State?
    First Republic Bank has a limited service area for retail banking. Eagle Gold All-in-One applicants must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. For a complete list of locations, visit our locations page or contact a First Republic banker.

    Terms and conditions may apply