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Refinancing: What is It and What you need to know?
Refinancing is the process of renegotiating your mortgage. With refinancing, you may change your loan terms or take out equity in your home.
Why refinance? You may want to take advantage of favorable market rates to cash in on savings. Or perhaps you need extra cash for home remodeling or education. Whatever your reason, working with HSBC can help make the process easy.
Many factors may come into play when you are making a decision to refinance your mortgage. For example, you may want to refinance your home to pay for your child's education. In this case, your need to refinance is immediate. However, you may also want to refinance for reasons such as remodeling your home. In this case, your timing can be more flexible and the choice to refinance can be based on market conditions. Whatever your reason, HSBC can help you understand how market forces such as interest rate fluctuations will impact your decision and how the decision to refinance is often as much about "when" as "why".
Refinancing Benefits for HSBC Premier Clients
When refinancing a home, Premier Clients receive preferred mortgage rates and pricing1. This is in addition to access to Premier Deluxe Mortgages2 and other benefits of HSBC Premier banking. To learn more about HSBC Premier Mortgages, please request a callback or call 866.503.4722
Our refinancing resources can help you decide whether refinancing is right for you. Get answers to your refinancing questions with the following tools.
Refinancing: Getting Started
To get started on a new refinancing application, Request a callback from one of our Mortgage Consultants or call 866.731.4722.
For more information on Refinancing, read the Consumer Guide to Mortgage Refinancing*.
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, and eligibility for preferred rates will be affected if the minimum balance is not maintained.
1 Discounts and loan amounts depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from a Premier checking account.
2 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.
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