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Mortgages

Find the mortgage that’s right for you

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What type of mortgage are you looking for?

Conforming Mortgages

A conforming mortgage is a loan that conforms to Fannie Mae and Freddie Mac guidelines set by the Federal Housing Finance Agency (FHFA).

Jumbo Mortgages

HSBC offers a suite of jumbo mortgage products which are determined by your banking relationship with HSBC. We offer large loan amounts on fixed and adjustable rate mortgages (ARM)1 with competitive interest rates.

Affordable and Regional Mortgages

HSBC is making the dream of homeownership come true with a variety of mortgage options for, but not limited to, first time homebuyers and veterans. Let HSBC guide you in finding the best mortgage to fit your needs.

Conforming Mortgages

A conforming mortgage is a loan that conforms to Fannie Mae and Freddie Mac guidelines set by the Federal Housing Finance Agency (FHFA).

Fixed Mortgage

A fixed-rate mortgage can be a great choice if you want to establish a stable mortgage budget throughout the lifetime of your loan.

  • Competitive rates2
  • Low down payments
  • Predictable monthly payments
  • Protection from rising interest rates

Jumbo Mortgages

HSBC offers a suite of jumbo mortgage products which are determined by your banking relationship with HSBC. We offer large loan amounts on fixed and adjustable rate mortgages (ARM)1 with competitive interest rates.

HSBC Select Mortgage

For borrowers with no HSBC relationship or combined personal deposit and investment balances less than $10,000
  • Access up to $2 million in financing
  • 20% down payment on mortgages up to $2 million
  • $250 closing cost credit3

Learn more about HSBC’s Select Mortgage and view rates.

HSBC Preferred Mortgage4

For borrowers with combined personal deposit and investment balances from $10,000 to < $75,000
  • Access up to $3 million in financing
  • 20% down payment on mortgages up to $3 million
  • $750 closing cost credit3
  • Financing for international borrowers5
  • Financing available on investment properties

Learn more about HSBC’s Preferred Mortgage and view rates.

HSBC Deluxe Mortgage6

For borrowers with combined personal deposit and investment balances from $75,000 to < $1,000,000
  • Access up to $4 million in financing
  • 20% down payment on mortgages up to $4 million
  • $1,000 closing cost credit3
  • Financing for international borrowers5
  • Financing available on investment properties

Learn more about HSBC’s Deluxe Mortgage and view rates.

HSBC Elite Mortgage7

For borrowers with combined personal deposit and investment balances of $1,000,000 or more
  • Access up to $4 million in financing
  • 20% down payment on mortgages up to $4 million
  • $1,500 closing cost credit3
  • Financing for international borrowers5
  • Financing available on investment properties

Learn more about HSBC’s Elite Mortgage and view rates.

HSBC Summit Mortgage8

For borrowers with an HSBC Private Banking relationship9
  • Access up to $10 million in financing
  • 35% down payment on mortgages up to $10 million
  • Financing for international borrowers5
  • Financing available on investment properties

Learn more about HSBC’s Summit Mortgage.

Affordable and Regional Mortgages

HSBC is making the dream of homeownership come true with a variety of mortgage options for, but not limited to, first time homebuyers and veterans. Let HSBC guide you in finding the best mortgage to fit your needs.

Get started

Quick and Easy

Rate quote

A Mortgage Consultant will contact you with your personalized rate quote.

Quick and Easy

Mortgage financing request

Take the first step to get prequalified to buy or refinance your home.

Quick and Easy

Connect with a
Mortgage Consultant

Call 844.HSBC.MTG (844.472.2684) to speak with a Mortgage Consultant to learn more.

1 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.

2 Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment balances, reserves, equity and automatic payment from an HSBC U.S. checking account.

3 Must have principal residence in the United States, U.S. Citizenship or Permanent Residency to qualify for closing cost credit. For more information, please contact your mortgage professional.

4 HSBC Preferred Mortgage requires combined personal deposit and investment balances of at least $10,000 U.S. Dollars or equivalent at any member of the HSBC Group (in the U.S. or home country). The minimum balance requirement must be fully funded before the closing of the mortgage loan.  To learn more about the Preferred Mortgage requirements contact an HSBC branch or call 844.HSBC.MTG (844.472.2684).

5 International borrowers must have qualifying documentation to be eligible for an HSBC Preferred Mortgage, HSBC Deluxe Mortgage, HSBC Elite Mortgage or HSBC Summit Mortgage. Monthly mortgage payments must be made in U.S. funds 

6 HSBC Deluxe Mortgage requires combined personal deposit and investment balances of at least $75,000 U.S. Dollars or equivalent at any member of the HSBC Group (in the U.S. or home country). The minimum balance requirement must be fully funded before the closing of the mortgage loan. To learn more about the Deluxe Mortgage requirements contact an HSBC branch or call 844.HSBC.MTG (844.472.2684).

HSBC Elite Mortgage requires combined personal deposit and investment‡ balances of at least $1,000,000 U.S. Dollars or equivalent at any member of the HSBC Group (in the U.S. or home country). The minimum balance requirement must be fully funded before the closing of the mortgage loan.  To learn more about the Elite Mortgage requirements contact an HSBC branch or call 844.HSBC.MTG (844.472.2684).

8 To be eligible for the HSBC Summit Mortgage, you must have an account with HSBC Private Banking and meet certain requirements. Please contact your Relationship Manager for more information.

9 To become an HSBC Private Banking customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.

Investment and certain insurance products, including annuities, 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.

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 cancelled 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.

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