International Mortgages | HSBC
Our Mortgage Consultants will provide expertise to guide you through the home financing process from start to finish. You can expect the following:
- Our best rates on Premier Deluxe Mortgages1 and preferred rates on Advance Deluxe Mortgages2
- Up to $3 million in financing for fixed and adjustable rate mortgages (ARM)3
- Favorable rates on cash-out refinances occuring within six months of an all cash purchase
- Loans up to 75% of your appraised property value or purchase price, whichever is lower
- Closing cost credits up to $1,500 on Premier Deluxe Mortgages
Whether you are purchasing a home in the US to reside in or as an investment, why not select the bank that specializes in providing home financing solutions for international borrowers?
Solutions for international borrowers
International borrowers with qualifying documentation do not need US credit history to apply for an HSBC mortgage. We will order your international credit history for your application.
Mortgage tools and advice
1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined personal deposit and investment balances in the U.S. or your home country. 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. Premier customers need combined personal deposit and investment balances of at least $100,000 USD or equivalent at HSBC (in the U.S. or home country) to be eligible for Premier Deluxe Mortgages. To be eligible for Premier Deluxe Mortgages, the Premier balances must be fully funded before the closing of the mortgage.
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. To be eligible for an Advance Deluxe Mortgage, Advance customers need combined personal deposit and investment balances of at least $10,000 in the U.S.; the Advance balances must be fully funded before the closing of the mortgage loan.
3 Interest rate may increase per the terms stated in your adjustable rate note.
4 Interest rate adjustment may be applied to determine the final rate for international borrowers. Please speak with a mortgage consultant for details.
5 Discounts and loan amount depend on specific program and may require certain Premier or Advance balances, reserves, equity and automatic payment from an HSBC Premier or HSBC Advance checking account.
6 When interest-only payments are made for a period of time, the principal balance of the loan does not decrease. When principal and interest payments commence, the monthly payment will increase substantially. Click here* for more information regarding Interest Only Loans.
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
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 properties 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.
† Click here* to view rates and payment examples for Premier Deluxe Rates
†† Click here* to view rates and payment examples for Advance Deluxe Rates
* Viewing PDF files require the use of Adobe Acrobat Reader. If you do not already have Adobe Acrobat Reader, you can download it online. After downloading the software, follow the instructions for installing the program. If you prefer, you can always download the files now and open them offline later.
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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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我們隨時為您提供協助。需要廣東話或英語服務，請撥 800.711.8001（北美洲境內免費長途電話）或 716.841.6989（美國以外地區可採用對方付費方式致電）。
我们随时为您提供帮助。需要普通话或英语服务，请拨 800.711.8001（北美洲境内免费长途电话）或 716.841.6989（美国以外地区可采用对方付费方式致电）。
We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.
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