Special Mortgages | HSBC

Special Mortgage Programs

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Special mortgage programs to help you achieve your homeownership dreams

If you are seeking affordable mortgage financing for your first home purchase, HSBC may have a special program available to fit your situation.

  • HSBC CommunityWorks®
    Our CommunityWorks® program1 is an affordable low down payment mortgage program which may be combined with eligible grants and provide up to $7,000 in closing cost assistance.
  • SONYMA
    A program designed to provide affordable mortgage financing if you live in New York State and are a first-time home buyer3.
  • HSBC First Home Club
    Matched savings program2 where borrowers may qualify for grant funds of up to $7,500 towards down payment and closing costs.
  • Veteran's Affairs or Federal Housing Administration loans
    Government sponsored loans offering affordable mortgages with low down payment and closing cost options.

1 The CommunityWorks® program is only available in NY, CA, Washington, D.C., and specific counties in CT, DE, FL, MD, NJ, PA, VA, WA. Certain income level restrictions may apply depending upon property location.

2 Available for prospective home buyers in New York and New Jersey only. Your household income must be at or below 80% of the area median income in the county where you currently reside.

3 Certain household income limit restrictions apply and properties must be owner occupied, primary residences.

Mortgage and home equity products offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the US. 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.

†† 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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