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Mortgages for U.S. citizens or permanent residents

Financing options that are a perfect fit

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What type of mortgage are you looking for?

Conforming Mortgages

Conforming mortgages are ideal for home buyers financing up to $484,350. 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

Fixed and adjustable rate mortgages (ARM)9 that start at $10k when you need a flexible borrowing option with less restrictions and a higher loan limit than a traditional mortgage.

Special Mortgages

HSBC is making the dream of homeownership come true. We offer a variety of mortgage solutions at competitive rates, including special programs for first-time home buyers.

Conforming Mortgages

Conforming mortgages are ideal for home buyers financing up to $484,350. A conforming mortgage is a loan that conforms to Fannie Mae and Freddie Mac guidelines set by the Federal Housing Finance Agency (FHFA).

Choose between the stability of a fixed rate mortgage or the flexibility of an adjustable rate mortgage (ARM).9

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.

Our lowest rate

4.625% | 4.659% APR

15 year

Based off of $400,000

  • Competitive rates

  • Low down payments

  • Predictable monthly payments
  • Protection from rising interest rates

Adjustable Rate Mortgage9

An adjustable rate mortgage (ARM)9 can provide you with the flexibility you need with a lower interest rate than a fixed rate mortgage, but the rate may increase over time.

Our lowest rate

4.125% | 4.895% APR

5/1 ARM

Based off of $400,000

  • Competitive rates

  • Low down payments
  • Start rates are typically lower than fixed rates

  • Get a lower rate if interest rates drop

Jumbo Mortgages

Fixed and adjustable rate mortgages (ARM)9 that start at $10k when you need a flexible borrowing option with less restrictions and a higher loan limit than a traditional mortgage.

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
  • 10% down payment on mortgages up to $1.5 million1 with no Private Mortgage Insurance (PMI)2
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
4.179%
4.191% APR
Adjustable Rate as low as:
3.387%
4.591% APR

Rate are based off of $2,000,000

HSBC Preferred Mortgage8
For borrowers with combined personal deposit and investment balances from $10,000 to less than $75,000
  • Access up to $3 million in financing
  • 10% down payment on mortgages up to $1.5 million1 with no Private Mortgage Insurance (PMI)2
  • 20% down payment on mortgages up to $3 million
Fixed Rate as low as:
4.129%
4.141% APR
Adjustable Rate as low as:
3.337%
4.573% APR

Rates based off of $2,000,000

HSBC Deluxe Mortgage7
For borrowers with combined personal deposit and investment balances from $75,000 to less than $1,000,000
  • Access up to $3 million in financing
  • 20% down payment on mortgages up to $3 million
Fixed Rate as low as:
3.879%
3.890% APR
Adjustable Rate as low as:
3.087%
4.484% APR

Rates based off of $2,000,000

HSBC Elite Mortgage6
For borrowers with combined personal deposit and investment balances over $1,000,000
  • Access up to $3 million in financing
  • 20% down payment on mortgages up to $3 million
Fixed Rate as low as:
3.829%
3.840% APR
Adjustable Rate as low as:
3.037%
4.466% APR

Rates based off of $2,000,000

Affordable mortgages

HSBC is making the dream of homeownership come true. We offer a variety of mortgage solutions at competitive rates, including special programs for first-time home buyers.

HomeReady3

An affordable low down payment option designed for, but not limited to, first-time home buyers. HomeReady® requires minimal out of pocket funds, and considers income from a non-occupant co-borrower or a renter for qualification.

SONYMA4

A program designed to provide affordable mortgage financing if you live in New York State and are a first-time home buyer.

CommunityWorks®5

Our CommunityWorks® program is an affordable low down payment mortgage program which may be combined with eligible grants and provide up to $7,000 in closing cost assistance.

 

1 Loan amount cannot exceed $1,500,000 and borrowers must have traditional credit in the U.S. to be eligible for mortgages above 80% loan-to-value. The minimum down payment assumes a FICO score of 720 and above, a one unit single family dwelling purchase and no cash out refinance transactions.

2 Private Mortgage Insurance is provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Private Mortgage Insurance is generally required for a loan with an initial loan to value (LTV) percentage in excess of 80%.

3 Certain income restrictions may apply and properties must be owner occupied, primary residences. Homeownership education is required for at least one borrower on all purchase transactions.

4 Available for prospective home buyers in New York. Certain income and purchase price limit restrictions apply and properties must be owner occupied, primary residences.

5 The CommunityWorks® program is only available in Washington DC and specific counties in CA, CT, DE, FL, MD, NJ, NY, PA, VA, WA. Certain income level restrictions may apply depending upon property location.

6 HSBC Elite Mortgage requires combined personal deposit and investmentbalances 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 toll free at 844.HSBC.MTG (844.472.2684).

7 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 toll free at 844.HSBC.MTG (844.472.2684).  

8 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 toll free at 844.HSBC.MTG (844.472.2684).

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

‡ 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.

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. 

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