Which mortgage is right for you? Compare mortgages | HSBC

 
 

Premier1 Deluxe

Advance2 Deluxe

Conforming (Fixed rate and Adjustable rate3)

Special mortgages (SONYMA, CommunityWorks, FHA and VA)

 
Ideal for

Large loan amounts, priority processing and our best rates4

Large loan amounts and preferred rates4

Low down payments and competitive rates

Low down payments

 
Maximum loan amount

Up to $3,000,000 for a 1 - 4 family residence

Up to $3,000,000 for a 1 - 4 family residence

Financing amount up to $417,000 for a single-family residence

Up to $625,500 on Super Conforming mortgages

Loan amounts vary by county

 
Pricing4

Our Best Rates 4

Preferred Rates 4

Competitive Rates

 
Minimum down payment

20%5

 

20%5 ††

Fixed Mortgages: 3%6 †††

Adjustable Mortgages: 5%6 †††

SONYMA and Community Works: 3%7 †††

FHA and VA: 3%7 ††††

 
Closing cost credit

Yes

Up to $1500

No

No

No

 
Priority processing

Yes

No

No

No

 
Financing options for foreign nationals

Yes

Yes

No

No

 
Fixed monthly payments

Yes

Yes

Yes

Yes

 
Interest only payments8

Yes

(ARM loans only)

Yes

(ARM loans only)

No

No

 
Low down payment and assistance

No

No

No

Yes

 
Term

15, 20, 25 and 30 year terms

ARM: 30 year term with fixed interest rates for the initial 3, 5, 7 or 10 years , Rates vary there after

15, 20, 25 and 30 year terms††

ARM: 30 year term with fixed interest rates for the initial 3, 5, 7 or 10 years††, Rates vary there after

Fixed Mortgages: 10, 15, 20, 25 and 30 year terms†††

Adjustable Mortgages: 30 year term with fixed interest rates for the initial 3, 5, 7 or 10 years. Rates vary there after†††

SONYMA and CommunityWorks: Fixed Interest Rates for 30-year term†††

FHA and VA: Fixed Interest Rates for 15, 20, 25 and 30-year terms††††

 

1 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 $50.00 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 U.S. personal deposit and investment balances. 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. 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.

4Discounts 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.

5 Minimum Down Payment requirement varies based on credit scores. The value disclosed above pertains to a FICO score of 700 and above; 1 unit single family dwelling purchase and no cash out refinance transactions.

6 Minimum Down Payment requirement varies based on credit scores. The value disclosed above for fixed rate loans pertains to a FICO score of 620 and above and for adjustable loans pertains to a FICO score of 660; 1 unit single family dwelling purchase and no cash out refinance transactions.

7 Minimum Down Payment requirement varies based on credit scores. The value disclosed above pertains to a FICO score of 680 and above; 1 unit single family dwelling purchase and no cash out refinance transactions.

8 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. 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 LenderEqual 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

†††Click Here to view rates and payment examples for Conforming Rates, CommunityWorks and SONYMA

††††Click Here to view rates and payment examples for VA and FHA

* 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

†† 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
Go to Top