Confirming Rates | Mortgage Rates | HSBC

 


Monthly payments calculated below are based on loan amount of $150,000
These payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.
Rates as of

 

Terms

Rates*

Points*

APR%*

Monthly Payment*

 
Adjustable Rates**

5/1 ARM (30yr)

 

7/1 ARM (30yr)

 

10/1 ARM (30yr)

 
Fixed Rates

15yr

 

30yr

 
Community Works Fixed Rates

30yr

 
SONYMA Fixed Rates

30yr

Learn more about Special Mortgage Programs


These payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.

Conforming Mortgages

Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally purchase first mortgages up to loan amounts mandated by Congressional directive.

* Explanation of Terms

Annual Percentage Rate (APR) and Monthly Payment
The APR is the annual cost of the loan and includes fees (such as mortgage insurance, most closing costs, discount points and loan origination fees) indicating the total cost of the loan. Assumptions: The APR and Monthly Payment calculation is based on a loan amount of $150,000 for the purchase of an owner occupied property, a down payment of 20%, closing costs of $1,300.00 plus points shown above, 15 days of prepaid interest and an interest rate with a 60-day lock period.

**The APR interest rate and monthly payment shown for Adjustable Rate Mortgages (ARMs) may increase or decrease after the initial fixed rate period per the terms stated in your adjustable rate note.

Current rates
Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates available to most customers. Your individual rate may vary.

Payment Examples
5/1 ARM: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 month(s) the payment will be $'MonthPayment' with a corresponding simple interest rate of 'Rate'%; for the remaining 300 month(s), the estimated payment will be $'Amortiztion1' with a corresponding simple interest rate of 'AdjustedRate'%. The interest rate and monthly payment amount may vary after the first 60 months.

7/1 ARM: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 84 month(s) the payment will be $'MonthPayment' with a corresponding simple interest rate of 'Rate'%; for the remaining 276 month(s), the estimated payment will be $'Amortiztion1' with a corresponding simple interest rate of 'AdjustedRate'%. The interest rate and monthly payment amount may vary after the first 84 months.

10/1 ARM: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 120 month(s) the payment will be $'MonthPayment' with a corresponding simple interest rate of 'Rate'%; for the remaining 240 month(s), the estimated payment will be $'Amortiztion1' with a corresponding simple interest rate of 'AdjustedRate'%. The interest rate and monthly payment amount may vary after the first 120 months.

15yr Fixed: The total repayment term for this fixed rate loan is 15 years or 180 payments. Monthly Payments will be $'MonthPayment' with a corresponding simple interest rate of 'Rate'%.

30yr Fixed: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly Payments will be $'MonthPayment' with a corresponding simple interest rate of 'Rate'%.

30yr Fixed Community Works: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly Payments will be $'MonthPayment' with a corresponding simple interest rate of 'Rate'%.

30yr SONYMA: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly Payments will be $'MonthPayment' with a corresponding simple interest rate of 'Rate'%.

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.

* 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 (Opens new window)

†† 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

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。

普通话

我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

Welcome back!

Please select the product you applied for to resume your application.


Verify trial deposits
Go to Top