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Mortgages

Home loans to suit your personal needs.

Find the mortgage that’s right for you

Whether you're a first-time buyer or a homeowner looking for a new property, we've got the right mortgage for you.
Find out how to manage your mortgage online, access your home's equity, and much more.
Compare today's mortgage rates.
What type of mortgage are you looking for?
Low down-payment mortgage programs and initiatives, designed to make the dream of home ownership more affordable.
Refinancing could help you lower your monthly payments, pay off your mortgage early or access the equity in your home.
Help a family member buy a home in the U.S.
We help newcomers and non-U.S. citizens become homeowners.
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Understanding mortgages

There's a lot to get your head around with mortgages. Whether you're refinancing or looking to buy your first home, our articles help you understand how things work and what your options are.
Explore the different types of mortgages available and find the right one for your needs.
Find out how a home equity line of credit (HELOC) works, it's benefits and things to consider before applying.
Learn more about the benefits of refinancing your mortgage to reach your financial goals.
A start to finish guide to financing and buying a home.

Useful mortgage tools

Find out how much you can afford with our home affordability calculator.
Get an idea of your loan options, including mortgage repayments and what rates are available to you.
This tool calculates total cost and monthly payments for two fixed-rate mortgage loans of different terms and helps you determine which loan is the best option. Loan terms do not have to be 15 or 30 years.
Use our calculator to find out if you're better off refinancing your mortgage loan.

More articles about mortgages

Find out how to come closer to being mortgage free by repaying your loan earlier and quicker.
If you're considering home ownership in the States, here are some tips to consider when purchasing your first property.

Disclaimers

For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document to be signed, such document(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services.If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website available at www.us.hsbc.com/crossborder.

 

If you are a service member 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.

 

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 canceled or are subject to change at any time and cannot be combined with any other offer or discount.