Refinancing | Mortgages | HSBC

Refinancing: What is It and What you need to know?

HSBC Mortgage represented by a couple buying a new home.

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.


Reasons to Refinance and Why Timing is Important

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


Refinancing Resources

Our refinancing resources can help you decide whether refinancing is right for you. Get answers to your refinancing questions with the following tools.

Mortgage Calculators
Mortgage FAQs
Mortgage Document Checklist
HSBC Refinance Programs

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 an HSBC Premier relationship, you need to open an HSBC 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 a personal HSBC Premier relationship. A monthly maintenance fee of $50 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 a Premier Deluxe Mortgage. To be eligible for a Premier Deluxe Mortgages, the Premier account must be funded before the closing of the mortgage.

Investments are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

Investment 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

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.

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.

Deposit products in the U.S. are offered by HSBC Bank USA, N.A. Member FDIC.

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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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