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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.

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Find a local mortgage consultant

Speak with a mortgage consultant face to face in your area.

Over the phone

Call 844.HSBC.MTG (844.472.2684) and get pre-approved over the phone.

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 To receive the First Home Club grant, you must obtain a mortgage through HSBC Bank USA, N.A. and meet all program requirements.

5 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.

6 The First Home Club program is only available in specific counties in NY and NJ. Applicants must currently reside in NY or NJ

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.