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U.S mortgages for foreigners

We help newcomers and non-U.S. citizens become homeowners.

Buying property in the U.S.

Whether you’re buying a home in the U.S. to live in or use as an investment property, HSBC has the experience to provide mortgage solutions for foreign nationals[@buyingahome] and those new to the U.S. 

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How the process works

Buying a property in the U.S. can be different to what you might be used to. Our experienced team will help guide you along the way.

1. Applying

Speak to one of our Mortgage Consultants to get prequalified[@prequalified].

2. Credit verification

A U.S. credit history[@internationalcreditreport] is not required. We have credit solutions for international buyers.

3. Documentation

Typical documents we ask for include proof of identity, income, and assets.

4. Close on your home

You'll need to sign legal documents to complete the transfer of ownership process.
International guide to U.S. mortgage process This link will open in a new window

Things you should know

Eligibility and key considerations for buying a property in the U.S.

Summary of application process

  • Prequalification means you'll have a better idea of how much property you can afford to buy. It also gives sellers extra confidence to accept an offer
  • Our mortgage checklist explains all of the documents we may ask for. Having all of the requested information in good time can help avoid any delays in closing
  • We can use assets in accounts from other countries to meet our loan requirements, but the funds used to purchase the property must be in a U.S. bank account

 

Mortgage products for international borrowers

Explore the different types of mortgages available and find the right one for your needs.

HSBC Preferred Mortgage  

Borrow up to $2 million, plus get $750 toward closing costs.

HSBC Deluxe Mortgage  

Access up to $5 million in financing and get $1,000 towards closing costs.

HSBC Elite Mortgage  

$1,500 towards closing costs on mortgages up to $5 million.

HSBC Summit Mortgage  

For borrowers with an HSBC Private Banking relationship.

Get prequalified

How it works

When financing property in the U.S., a mortgage prequalification can simplify the process.

Just answer a few quick questions on our prequalification form. We'll call or email you to say how much you might be able to borrow and what rates are available. 
Get started

Speak with a Mortgage Consultant

Alternatively, you can speak to a Mortgage Consultant to find out more.

Call from the U.S. on:

844.472.2684

From overseas, call:

716.841.6820

Lines are open from 8:30am to 8:00pm Eastern Standard Time; Monday through Friday, excluding U.S. public holidays.

Already in the U.S? 

Frequently asked questions

Does HSBC offer adjustable rate[@arm] or interest only[@intonlyshort] mortgage options? 

Can I help my child buy a home in the U.S., even if I won't be living with them? 

Do I need an attorney to buy real estate in the U.S? 

What should I expect at a purchase closing? 

What if my documentation is in another language? 

Can I move money from my HSBC account in another country to an account in the U.S for closing? 

You might be interested in

5 tips to buying and owning a property in the U.S.  

If you’re considering home ownership in the U.S., here are some tips to consider when buying a property.

  HSBC International Services This link will open in a new window

International banking services, from tax solutions and relocation support to special offers worldwide.

  Buying property outside the U.S. This link will open in a new window

Buy and manage property outside the U.S. with our products and services.

Additional information

    Disclaimer 

    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 us.hsbc.com/crossborder.

    Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

    Mortgages outside the U.S. are offered by various HSBC Bank USA, N.A. affiliates overseas, and are not offered by its U.S. subsidiaries or affiliates.

    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.

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