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Michelle Kim

Mortgage Consultant NMLS ID: 410072

Michelle Kim is located in Downtown Los Angeles, California and operates primarily in HSBC’s Southern California locations however can originate nationally. Michelle is bi-lingual in English and Korean and specializes in Mortgage programs for all types of Residential lending. Michelle takes an advisory approach in helping domestic and foreign national clients achieve their homeownership goals and dreams. Michelle has been awarded the Circle of Excellence CEO Award for six consecutive years – this is the bank's highest recognition awarded only to the top 1% globally. Michelle can be reached at

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Areas Covered/Languages

  • Bi-lingual in English and Korean

  • Licensed to originate nationally (48 contiguous states including Hawaii, excluding Alaska)


  • CEO Award Winner 6 consecutive years (2016-2021)


  • Asian Real Estate Association of America

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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