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Home buying support every step of the way

Mortgages for International Borrowers

Call 716.841.6820 or

Request a callback

Step 1: Pre-Approval and Application

When financing property in the US, a mortgage pre-approval can simplify the process. We will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay.

Advantages of a pre-approval include:

  • A written 90-day commitment
  • Additional leverage when negotiating with a seller
  • The ability to focus on homes in your price range
  • The security of knowing you will receive a competitive rate

To start your pre-approval or mortgage application today, you can request a callback or call 866.731.4722 from within the US or 716.841.6820 collect from overseas.

Step 2: Credit verification

You do not need US credit history to be eligible to apply for a mortgage loan. We will order your international credit history for your application. Additional information may be needed to complete credit verification.

Step 3: Documents you may need

There are a number of documents that you must supply when applying for a mortgage in the United States, but keep in mind that the exact documents needed may vary in different parts of the US.

In general, you will need documents that verify the following:

  • Your identity
  • Income
  • Employment
  • Assets

For more information, refer to the Mortgage Document checklist.

You should also have a real estate attorney review all contracts, and consult with a tax specialist regarding your potential tax liabilities.

Step 4: Closing on your US home

A real estate closing is the final step in your home purchase. At the closing you will be signing legal documents and settling all of the costs needed to transfer ownership of the property. The following professionals are typically included in closing meetings:

  • Sellers
  • Buyers
  • Seller's attorneys
  • Buyer's attorneys
  • The bank
  • The insurance official

Once you have closed on the property, you should have mortgage documentation, and most importantly, keys to your new home.

Closing costs

Closing costs can include: recording taxes, attorney's fees, the sales commission, title insurance, bank fees, and other fees. Use this tool to estimate your closing costs.

Your HSBC relationship will give you access to a wide range of banking and wealth management services designed to make your move or visit to the US as easy as possible.

US Mortgage Document checklist

Your HSBC Mortgage Consultant will help you with all necessary documentation. Our US Mortgage Document checklist can help you get started.

Download checklist

Mortgage tools and advice

To apply or learn more or

From within the US Call: 866.731.4722

From Overseas Call: 716.841.6820

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 $10,000 in combined personal deposit and investment balances in the US or your home country . Business owners may use their commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $20 will be incurred if minimum balance requirements are not maintained. Advance customers need combined personal deposit and investment balances of at least $10,000(in the U.S. or home country) to be eligible for Advance Deluxe Mortgages. To be eligible for Advance Deluxe Mortgages, the HSBC Advance balances must be fully funded before the closing of the mortgage.

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.

Equal Housing Lender

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.

To download the Reader to your computer, click the Adobe button. Get Adobe Reader (Opens new window)

†† 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

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

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)。

普通话

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)。

Other Languages

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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