Mortgage Rates - National | HSBC

 

Mortgage Rates

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Click here to access useful Home Mortgage calculators.

We also offer competitive rates on Home Equity lines of credit.

Rates listed are for first-lien, owner-occupied single family primary residences. Other restrictions may apply.

To calculate your Monthly Principal and Interest payment using the chart above, simply multiply the dollar figure in the last column by the mortgage amount desired and divide by 1,000. For example, on a $125,000 loan amount and a 30-year interest rate of 5.875%: ($125,000 x $5.92) divided by 1,000 = $740.00 monthly principal and interest payment.

Conventional APRs are based on a $150,000 loan amount and assume a 20% downpayment. FHA, VA and CommunityWorks APRs assume a $75,000 loan amount and a 3% downpayment. SONYMA APR assumes a $150,000 loan amount and a 3% downpayment. Jumbo ARMs and fixed-rate APRs assume a $417,001 loan amount with a 20% downpayment. Private Mortgage Insurance, FHA Mortgage Insurance Premium or VA Funding Fee is included for loans with a downpayment of less than 20%.

The rates stated for adjustable rate mortgages is the initial rate and subject to increase. For example, on the 3/1 non-convertible ARM, the initial rate is fixed for 3 years and may adjust annually thereafter. Loans assume a 30-year term.

The preceding is a sample of programs and interest rates available through HSBC Bank USA, N.A.. Other niche products, rates, and point combinations are available.

Rates are effective on the date shown until the following business day at 8:59 a.m. ET. Programs, rates, terms and conditions are subject to change without notice.

The accuracy of the Home Mortgage calculators and their applicability to your circumstances is not guaranteed.

Mortgages are offered by HSBC Bank USA, N.A.

Some products may have geographic restrictions.

* SONYMA (State of New York Mortgage Agency) loans are available for the purchase of a home located in New York State only. Income and purchase price restrictions also apply

†† 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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