Refinancing | Mortgages | HSBC

Refinance

Is refinancing right for you?

Reasons to Refinance

Refinancing is the process of replacing your current mortgage with a new one. There are a few reasons why refinancing your current mortgage may be right for you.

  • Lower your monthly payments
    Take advantage of favorable mortgage rates to lower your payment and improve your monthly cash flow.
  • Pay off your mortgage early
    Pay off your home mortgage sooner by refinancing for a shorter term. While your monthly payments may be higher, you may pay less interest over the life of the loan.
  • Move from an ARM1 to a Fixed Rate Mortgage
    If you currently have an adjustable rate mortgage (ARM) that will reset soon and are concerned about rising rates, consider switching to a fixed rate mortgage. This would allow you to enjoy the convenience of a stable monthly payment.
  • Access Equity in your home
    By refinancing, you can access the equity in your home to obtain cash for home renovations, tuition payments, debt consolidation or other major expenses.

Whatever your reason, HSBC can help make the refinancing process easy.


Refinancing made simple

A dedicated mortgage consultant will guide you throughout the entire mortgage process, from application to closing. To apply or to learn more:

For more information on Refinancing, visit our FAQ page or read the Consumer Guide to Mortgage Refinancing*.

1 Interest rate may increase per the terms stated in your adjustable rate note.

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

If you are a servicemember on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits.

Compare Mortgages

Learn about the different kinds of mortgages and find the right one for you.

Compare Mortgages

HSBC Mortgage Rates

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Am I better off refinancing?

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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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