|30 Year Fixed Rate||3.404%
|30 Year Fixed Rate|
Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. For each products' corresponding closing costs, points, and payment examples click assumptions drop down below. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.
View assumptions, APR information, and disclosures
HSBC Deluxe Mortgage features
- Financing available on investment properties
- 1-4 unit (attached and detached), condos, Planned Unit Developments (PUDs), and cooperatives7
Am I eligible?
You’ll need an HSBC personal deposit and investment relationship of $75,000 to less than $1,000,000 to be eligible for an HSBC Deluxe Mortgage
Properties we finance
- 1 – 4 unit, attached, detached primary residences
- 1 unit, attached, detached second homes
- 1 – 4 unit, attached, detached investment property
- Financing available in U.S. (except AK and WV, ARMs3 in RI)
- An International Credit Report (ICR) may be required for borrowers without 2 years U.S. residency or U.S. employment
Explanation of Terms
Adjustable rate mortgage (ARM) – The APR and monthly payment shown for Adjustable Rate Mortgages (ARMs) may increase or decrease after the initial fixed rate period per the terms stated in your adjustable rate note. ARMs not avaliable in Rhode Island.
1 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 844.HSBC.MTG (844.472.2684).
6 Available on adjustable rate mortgage (ARM) loans only. When interest-only payments are made for a period of time, the principal balance of the loan does not decrease. When principal and interest payments commence, the monthly payment will increase substantially.
8 International borrowers must have qualifying documentation to be eligible for an HSBC Preferred Mortgage, HSBC Deluxe Mortgage and HSBC Elite Mortgage. Monthly mortgage payments must be made in U.S. funds.
9 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.
10 A maximum of four borrowers are allowed and at least one borrower must have a Premier11 (which includes HSBC Jade) or Advance12 relationship. The property being financed must be the primary residence of at least one borrower. Minimum FICO of 700 required, and options are available for international borrowers with qualifying documentation. Cash out refinances are not permitted. Please contact a Mortgage Consultant for specific details.
11 For a complete list of HSBC Premier Relationship eligibility requirements, please visit https://www.us.hsbc.com/premier or speak with your Relationship Manager.
12 For a complete list of HSBC Advance relationship eligibility requirements, please visit https://www.us.hsbc.com/advance or speak with a Branch Representative.
‡ 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.