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Gary Lai

Mortgage Consultant NMLS ID: 599658


Gary Lai is located in the Metro New York City area and operates out of HSBC’s Metro NYC and Northern New Jersey locations. Gary is bilingual in English and Mandarin. He specializes in new development condos, jumbo mortgage loans, first time home buyers, co-ops, condos, and 1-4 family homes. Gary is involved in Asian Real Estate Association of America for two chapters. Gary can be reached at

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Areas Covered/ Languages

  • Canal Street Branch

Specialties/ Awards

  • Asian Real Estate Association of America (AREAA)

Education/ Associations

  • BS Degree

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.

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.

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.

All mortgage purchase, refinance and home equity line of credit product materials are only available in English. All negotiations for these products will only take place in English.

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