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1 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.

2 If a loan was obtained to make an all-cash purchase, cash-out loan proceeds may be reduced by repayment amount(s).

3 Must have a principal residence in the United States, U.S. Citizenship, or Permanent Residency to qualify for closing cost credit. For more information, please contact your mortgage professional.

4 A maximum of four borrowers are allowed and at least one borrower must have a Premier, Jade or Advance relationship. The property being financed must be the primary residence of at least one borrower. Minimum FICO required of 700; options available for international borrowers with qualifying documentation. Cash out refinances are not permitted. Please contact a Mortgage Consultant for specific details.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property 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 any time and cannot be combined with any other offer or discount.