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HSBC Elite Mortgage

For borrowers with $1,000,000 or more in combined HSBC personal deposit and investment‡ balances

Access up to $5 million in financing

What you get with our HSBC Elite Mortgage1

  • $1,500 Closing Cost Credit2
  • Extended rate lock options, for up to 360 days3
  • Title Vesting for U.S. corporations and U.S. limited liability companies (LLC)4

HSBC Elite Mortgage Rates

  Interest Rate APR
30 Year Fixed Rate 6.138%
10/6 ARM 5.850%
7/6 ARM 5.995%
5/6 ARM

HSBC Elite Mortgage Rates

  30 Year Fixed Rate
Interest Rate 6.138%
APR 6.186%
  10/6 ARM
Interest Rate 5.850%
APR 6.746%
  7/6 ARM
Interest Rate 5.995%
APR 7.170%
  5/6 ARM
Interest Rate 5.968%
APR 7.435%

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 or for refinance rates, please call 866.427.2101.

HSBC Elite Mortgage features

Interest rates and discounts

  • Interest Only5 (ARMs6 only) or Principal & Interest monthly payments
  • Interest rate roll down option

Investment properties

  • Financing available on investment properties
  • 1-4 unit (attached and detached), condos, Planned Unit Developments (PUDs), and cooperatives7

International borrowers8

  • Financing solutions for international borrowers8 with qualifying documentation
  • You do not need U.S. credit history to apply for an HSBC mortgage

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 prequalified9 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.

Build your mortgage

Use our calculator to explore your loan options and mortgage rates.

  • Input your loan terms and down payment
  • View mortgage rates and options built for you

Am I eligible?

You’ll need an HSBC personal deposit and investment relationship of $1,000,000 or more to be eligible for an Elite Mortgage

Who can apply

  • U.S. citizens
  • Permanent and nonpermanent resident aliens
  • Foreign nationals8

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)

Credit report

  • An International Credit Report (ICR) may be required for borrowers without 2 years U.S. residency or U.S. employment

Important notes

  • This product is eligible for Family Assisted Financing10
  • Borrowers may receive $1,500 Closing Cost credit, restrictions apply2
  • Title vesting is permitted for U.S. Corporations and U.S. limited liability companies (LLC)4

Explanation of Terms

Fixed rate mortgage – The interest rate remains the same for the full term of the mortgage.

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.

Interest Rate – The rate of interest on a mortgage, expressed as a percentage.

APR – The APR is the annual cost of the loan and includes fees (such as mortgage insurance, most closing costs, discount points and loan origination fees) indicating the total cost of the loan. 

Jumbo mortgage – Jumbo home mortgages exceed the limits set by the Federal Housing Finance Agency (FHFA).

1 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 representative or call 844.HSBC.MTG (844.472.2684).   

2 Must have a 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.

3 The minimum extended rate lock period is 90 days; extended rate lock is available in 30-day segments, up to 360 days (e.g. 90, 120, 150 days).

The LLC or Corporation must be formed as a single purpose entity solely for the purpose of owning the subject property. Additional restrictions apply.

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.

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

Mortgage financing on cooperatives is only available in MD, NJ, NY & Washington DC.

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.

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 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 or speak with your Relationship Manager.

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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