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Mortgage 101

Find mortgage information, education and more.

Check out our most frequently asked mortgage questions. Whether you’re an existing customer with a common question or interested in a new mortgage, we’ve got tools to help you plan and budget.

Top questions about new mortgages

Top questions about existing mortgages

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Rate Quote

Your personal mortgage consultant will contact you with your personalized rate.

Mortgage financing request

Take the first step to get prequalified to buy or refinance your home.

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Mortgage Consultant

Call 844.HSBC.MTG (844.472.2684) to speak with a Mortgage Consultant to learn more. 

Home search & rewards program*

Payment mailing address for properties located in:

AZ, CA, HI, NV

Mail to:

PO Box 7168

Pasadena, CA 91109-7168

IA, IL, MN, MO, ND, NE, SD, TN, WI, Puerto Rico

Mail to:

PO Box 0054 

Palatine, IL 60055-0054

CT, DC, DE, IN, KY,MA, MD,MI, NC, NJ, NY, OH, PA, RI, SC, VA, WV

Mail to:

PO Box 371306

Pittsburgh, PA 15250-7306

AK, AL, AR, CO, FL, GA, IS, KS, LA, ME, MS, MT, NH, NM, OK, OR, TX, UT, VT, WA, WY

Mail to:

PO Box 660592

Dallas, TX 75266-0592

1 Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter.

2 The interest rate is not guaranteed until the pre-approval is converted to a loan application, which must include the identification of a property. You may then elect to lock the interest rate at any time from the date of application until 10 days prior to closing.

3 Interest rate may increase per the terms stated in your adjustable rate note. ARM loans are not available in Rhode Island.

4 The CommunityWorks® program is only available in Washington DC and specific counties in CA, CT, DE, FL, MD, NJ, NY, PA, VA, WA. Certain income level restrictions may apply depending upon property location.

* HomeStory Real Estate Services is a licensed real estate broker. HomeStory Real Estate Services is not affiliated with HSBC, and HSBC is not responsible for the real estate services and rewards program provided by HomeStory Real Estate Services. Obtaining a mortgage from HSBC is optional and not required to participate in HomeStory Real Estate Services’ home rewards program. The borrower may arrange for financing with any lender.

Qualifying for the reward requires utilizing a HomeStory certified real estate agent to complete the real estate buy and/or sell transaction. If you are currently working with a real estate agent, this is not a solicitation. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. An agent commission reduction, rebate, and/or credit may be available for sellers in lieu of the reward in Mississippi, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. Rewards in Kansas and Tennessee are required to be delivered by gift card. In Kansas, the reward is set to $1,000 regardless of the sale price of the property. An agent commission reduction may be available for sellers in lieu of the reward in New Jersey and should be discussed with the agent upon enrollment. An agent rebate may be available for buyers in lieu of the reward in New Jersey and should be discussed with the agent upon enrollment.

HomeStory will issue a reward in the form of a check unless otherwise directed by state law and will be sent to the client enrolled in the program within 45 days of closing. Depending on state regulations highlighted above, the reward amount is based on the sale price of the home purchased and/or sold and cannot exceed $6,500 per buy or sell transaction. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Employer-sponsored relocations may preclude participation in the reward program offering. HSBC is not responsible for the reward.

If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.

The reward is valid for 18 months from the date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.

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 any time and cannot be combined with any other offer or discount.

Offer subject to change or cancellation without notice.

The trademarks, logos, and names of other companies, products and services are the property of their respective owners.