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Home Equity: Your Home Is a Financial Resource
Equity is the difference between the current market (appraised) value of your home and the outstanding balance of your mortgage. By tapping into the equity you have built in your home, you may already have the financial resources you need to pursue personal goals. If you want to consolidate your high interest debt, pay for your child's college education, repair or remodel your home, or take a well-deserved vacation, then you may want to consider a home equity line of credit as one of your options.
Evaluating the advantages and costs when you take on a home equity line of credit is an important first step. With a home equity line of credit, you will have additional monthly payments and interest charges. Carefully consider the impact of these new expenses before you choose to apply for a home equity line of credit.
At HSBC, we can help you access the equity in your home that you've worked so hard to build.
HSBC Premier Clients receive our best rates1 on Home Equity Line of ChoiceSM. To learn more about HSBC Premier, please request a callback or call 866.503.4722.
A home equity line of credit from HSBC comes with many added benefits including:
- Flexibility in accessing and repaying the funds - Manage your approved funds and use them whenever you need to. You can conveniently access your approved credit line by simply writing a check.
- Tax Deductibility - Interest charges may be tax deductible. Please consult your tax advisor about the deductibility of interest.
- Lower your monthly payments by consolidating higher interest rate debt - Home equity rates can be lower than credit card and personal loan rates and can help you reduce your monthly payments in addition to savings on interest charges.
Home Equity: Resources
Our Home Equity resources can help you decide whether an HSBC Home Equity Line of ChoiceSM is right for you and your family. Learn more with our Home Equity FAQs, Home Equity Checklist and Alternative Mortgages Key Facts.
Home Equity: Getting Started
To get started on accessing the equity in your home, request a callback from one of our Mortgage Consultants or call 866.731.4722.
To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for a personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.
1Discounts and loan amount depend on specific program and may require certain Premier balances, reserves, equity, and automatic payment from an HSBC Premier checking account. For home equity, the Premier APR includes an auto-pay discount of 1.00%.
Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
Mortgage and home equity products are only available for property located in the United States.
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