Details | Adjustable Rate Mortgage | HSBC
Start your mortgage with a low interest rate
With an adjustable rate mortgage (ARM)1, your mortgage will start with a fixed interest rate for the first 5, 7 or 10 years. After that, your rate becomes adjustable for the remaining term. Your monthly payment may change - depending on market conditions.
ARMs typically offer a lower initial rate than a fixed rate mortgage and you may be able to take advantage of lower rates in the future. If you're planning on moving or refinancing within a few years, an ARM may be a good option.
With a conforming loan, you may qualify for up to $424,100 in financing for a single-family residence. You'll also have the flexibility of selecting the length of the initial fixed interest rate period (5, 7 or 10 years).
Mortgage calculators & advice
Purchasing a home is a big decision. You can make the planning process easier with these helpful mortgage calculators.
- Is a fixed or adjustable rate mortgage right for you?
- Mortgage payment calculator
- Mortgage affordability
- Closing costs estimate
- Refinancing options
Ready to get started?
For more information regarding nontraditional products and features such as Interest Only and Home Equity Loans click here*.
1 Interest rate may increase per the terms stated in your adjustable rate note.
2 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.
3 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 $50.00 will be incurred if minimum balance requirements are not maintained.
4 To be eligible for an Advance Deluxe Mortgage, you must: (1) be an Advance relationship customer with an U.S. Advance checking account; and (2) have combined U.S. personal deposit and investment balances of at least $10,000 at any member of the HSBC Group located in the U.S. The Advance balances must be fully funded before the closing of the mortgage loan. To learn more about the Advance relationship requirements contact your local HSBC branch or call 844.374.9016.
5 To be eligible for an HSBC Premier Deluxe Mortgage, you must: (1) be an HSBC Premier relationship customer with an U.S. Premier checking account; and (2) have combined personal deposit and investment balances of at least $100,000 USD or equivalent at any member of the HSBC Group (in the U.S. or home country). The Premier balances must be fully funded before the closing of the mortgage loan. To learn more about the Premier relationship requirements contact your local HSBC branch or call 866.801.6756.
United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax advisor.
Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. 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 offered in United States by HSBC Bank USA, N.A. Member FDIC.
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