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Mortgage products

Explore our full range of mortgages.

We help newcomers and non-U.S. citizens become homeowners.
For borrowers with an HSBC Private Banking relationship.
Use the equity in your home to pay for life's major expenses with a new HSBC Home Equity Line of Choice.

Jumbo mortgages

HSBC offers a range of jumbo[@jumbomortgage] mortgage products with large loan amounts, with additional features based on your HSBC relationship.
Borrow up to $2 million, plus get $750 toward closing costs.
For borrowers with no HSBC relationship or existing customers with less than $25,000 in combined personal deposit and investment balances.
$1,500 towards closing costs on mortgages up to $5 million.
Access up to $5 million in financing and get $1,000 towards closing costs.

Affordable mortgages with low down-payments

Our affordable and regional mortgage program offers a range of low down-payment options designed to fit your needs. Get started with a personalized rate quote, request financing online, or speak with a Mortgage Consultant.
HSBC’s CommunityWorks is an affordable, low down-payment mortgage program aimed at, but not limited to, first-time homebuyers.
An affordable, low down payment mortgage program for owner occupied properties.
A home loan grant for additional down payment assistance - designed to be used with our HSBC CommunityWorks mortgage.
HSBC is partnering with the Federal Home Loan Bank of New York to offer down payment and closing cost assistance. Our Homebuyer Dream and Homebuyer Dream Plus Programs help first-time homebuyers become home owners.

Additional information

    Disclaimers

    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.

     

    Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

     

    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 www.us.hsbc.com/crossborder.

     

    Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties 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 canceled or are subject to change at any time and cannot be combined with any other offer or discount.

     

    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.