Mortgage FAQs

Here are a few of the most common questions about HSBC mortgages. If you do not see an answer to your question below, please contact us.

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

2 The minimum down payment assumes a FICO score of 580 and above; a 1 unit single family dwelling purchase and no cash out refinance transactions. Other conditions apply.

3 Down payment assistance loan available with a higher interest rate. Other conditions apply.

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.

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

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.