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Mortgage Consultant

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

Home search & rewards program*

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What type of mortgage are you looking for?

Conforming Mortgages

Conforming mortgages allow you to choose between the stability of a fixed rate mortgage or an adjustable rate mortgage (ARM)6.  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)6 with competitive interest rates.8

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

Conforming mortgages allow you to choose between the stability of a fixed rate mortgage or an adjustable rate mortgage (ARM)6.   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.

Our lowest rate

3.500% | 3.604% APR

15 year

Based off of $400,000

  • Competitive rates

  • Low down payments

  • Predictable monthly payments
  • Protection from rising interest rates

Adjustable Rate Mortgage6

An adjustable rate mortgage (ARM)6 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

3.750% | 4.051% 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

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)6 with competitive interest rates.8

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
  • $250 closing cost credit7
Fixed Rate as low as:
3.522%
3.543% APR
Adjustable Rate as low as:
2.686%
3.637% APR

Rate are based off of $2,000,000

HSBC Preferred Mortgage5
For borrowers with combined personal deposit and investment balances $10,000 to < $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
  • $750 closing cost credit7
Fixed Rate as low as:
3.472%
3.493% APR
Adjustable Rate as low as:
2.636%
3.619% APR

Rates based off of $2,000,000

HSBC Deluxe Mortgage4
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 $3 million
  • $1,000 closing cost credit7
Fixed Rate as low as:
3.172%
3.192% APR
Adjustable Rate as low as:
2.336%
3.516% APR

Rates based off of $2,000,000

HSBC Elite Mortgage3
For borrowers with combined personal deposit and investment balances from $1,000,000
  • Access up to $4 million in financing
  • 20% down payment on mortgages up to $3 million
  • $1,500 closing cost credit7
Fixed Rate as low as:
3.122%
3.141% APR
Adjustable Rate as low as:
2.286%
3.499% APR

Rates based off of $2,000,000

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.

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 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).

4 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).  

5 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).

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

7 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.

8 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.

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.

* HomeStory Real Estate Services is a licensed real estate broker. HomeStory Real Estate Services is not affiliated with HSBC, and HSBC is not responsible for the real estate services and rewards program provided by HomeStory Real Estate Services. Obtaining a mortgage from HSBC is optional and not required to participate in HomeStory Real Estate Services’ home rewards program. The borrower may arrange for financing with any lender.

Qualifying for the reward requires utilizing a HomeStory certified real estate agent to complete the real estate buy and/or sell transaction. If you are currently working with a real estate agent, this is not a solicitation. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. An agent commission reduction, rebate, and/or credit may be available for sellers in lieu of the reward in Mississippi, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. Rewards in Kansas and Tennessee are required to be delivered by gift card. In Kansas, the reward is set to $1,000 regardless of the sale price of the property. An agent commission reduction may be available for sellers in lieu of the reward in New Jersey and should be discussed with the agent upon enrollment. An agent rebate may be available for buyers in lieu of the reward in New Jersey and should be discussed with the agent upon enrollment.

HomeStory will issue a reward in the form of a check unless otherwise directed by state law and will be sent to the client enrolled in the program within 45 days of closing. Depending on state regulations highlighted above, the reward amount is based on the sale price of the home purchased and/or sold and cannot exceed $6,500 per buy or sell transaction. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Employer-sponsored relocations may preclude participation in the reward program offering. HSBC is not responsible for the reward.

If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.

The reward is valid for 18 months from the date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.

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.

Offer subject to change or cancellation without notice.

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