Buying a Home Mortgage: Where to Start | HSBC

 

Buying A Home – HSBC is Your Guide.

HSBC Mortgage represented by a couple buying a new home.

As an experienced and trusted national lender, HSBC has the expertise in helping customers find the right mortgage products. Whether you are a first-time home buyer, or an existing home owner on the move, we can help. Even if you want to buy an investment property or dream vacation home, we offer a variety of mortgage options and competitive mortgage rates tailored to fit your needs. We are here to help make buying your home a smooth and memorable process. To help you get started, you'll find quick access to resources and calculators below that will help you make an informed home-buying decision.


First-Time Home Buyer

If you are a first-time home buyer, HSBC has all the resources you need. From choosing a mortgage to becoming pre-approved, as a first-time home buyer, making important financial decisions is easier when you are informed.


Understanding the Home Buying Process

Our comprehensive, step-by-step process outlines everything you need to know to make the right decisions as a home buyer.


Getting Pre-Approved

An HSBC Pre-Approved Mortgage1 gives you a greater feeling of security and better negotiating power during the bidding phase of your purchase.


International Mortgages: Purchasing a Home in U.S. or Abroad

Whether you are an American citizen who wants to purchase a home abroad or an international citizen putting down roots here in the U.S., HSBC has both the global expertise and local knowledge to help you meet your unique mortgage needs, here at home and around the world.

Access Mortgage resources for international clients if you are looking to buy a home in the U.S.

Buying a home outside the U.S? Our International Banking Center can help.


Mortgage FAQ

We are here to help make your home buying process run as smoothly as possible. For answers to commonly asked questions, please visit our Mortgage FAQ and our Mortgage Glossary pages.

Take advantage of our expertise to make your Home Buying process easier. We are available:

By Email
By Phone
  • If you are an existing Premier client, please call 866.503.4722 or
  • Call 866.731.4722 to speak with one of our mortgage consultants.
In person

HSBC Premier Mortgage Benefits

HSBC Premier Clients receive preferred mortgage rates and pricing2 on fixed and adjustable mortgages3 in the United States. This is in addition to access to Premier Deluxe Mortgages4 and other benefits that come with HSBC Premier banking. To learn more about HSBC Premier, please request a callback or call 866.503.4722.


Mortgage Calculators

Our mortgage calculators can help you make the right financial decision for you.

To qualify for HSBC Premier, you need to open a 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 personal Premier relationship. A monthly maintenance fee of $50.00 will be incurred if minimum balance requirements are not maintained. To be eligible for Premier Deluxe Mortgages, the Premier account must be funded before the closing of the mortgage.

1 Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter.

2 Discounts and loan amounts depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from a Premier checking account.

3 Interest rate may increase per the terms stated in your adjustable rate note.

4 HSBC Premier Deluxe Mortgage, which has additional requirements, is available up to $3 million. Excludes Private Bank offerings.

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 anytime and cannot be combined with any other offer or discount.

Contact Us

Request a callback

or call us at
866.731.4722

Compare Mortgages

Learn about the different kinds of mortgages and find the right one for you.

Compare Mortgages

HSBC Mortgage Rates

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†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE
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