Help a family member buy a home in the U.S.

At HSBC, we seek to provide a wide variety of home lending options to fit everyone’s needs. That’s why we’re offering a financing option that allows non-occupying immediate family members to assist with a purchase or non-cash out refinance1 of a home.


Ask about Family Assisted Financing2 when you apply for an eligible mortgage.

What HSBC relationship do I need?

At least one borrower must hold an Advance or Premier (which includes HSBC Jade) banking relationship with HSBC to be eligible.

Who is considered “family”?

Family eligibility includes borrowers related by blood, marriage or law, including spouses, parents-children, grandparents, siblings, stepchildren, aunts-uncles, nieces-nephews, and unrelated individuals who can document evidence of a longstanding, substantial family-type relationship not arising out of the loan transaction. Borrowers are required to complete the family relationship letter for verification of the family relationship.

Who is involved in the home buying process?

The property being financed must be the primary residence of one of the borrowers, but there can be up to four borrowers listed on the loan.

How is qualification determined?

The income and debt of all borrowers is blended together for qualification purposes and supporting documentation will be required.

Get started

Quick and Easy

Rates & loan options

Use our calculator to explore your loan options.

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.

Home search & rewards program*

1 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.   

2 A maximum of four borrowers are allowed and at least one borrower must have a Premier, Jade or Advance 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.

* 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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