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Joni Mi

Mortgage Consultant NMLS ID: 984098

Joni is located in Fremont, California and operates in HSBC’s Northern California Bay Area locations. Joni is trilingual in Mandarin, Cantonese, and English, and is involved in the Asian Real Estate Association of American (AREAA), Santa Clara County Association of Realtors (SCCAOR), and Luxury Marketing Council of San Francisco (LMC). Joni specializes in mortgage solutions for Domestic and International clients who are looking to buy a home in the U.S. As a multiple time Leadership Club winner Joni has been a top producer with HSBC for 10 years, and has over 20 years’ experience in the Mortgage industry. Joni may be reached at by cell phone at: 408-205-4874 or

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Get prequalified1 to buy, refinance or unlock your home’s equity2.

Areas covered/Languages

  • Northern California Bay Area
  • Trilingual in Mandarin, Cantonese and English


  • Multiple HSBC Gold Heart
  • Multiple Leadership Club winner

Education/ Associtations

  • Asian Real Estate Association of American (AREAA)
  • Santa Clara County Association of Realtors (SCCAOR)
  • Luxury Marketing Council of San Francisco (LMC)

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 To be eligible for an HSBC Home Equity Line of Choice you must have a U.S. Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements, please visit or speak with your Relationship Manager.

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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