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Family Assisted Financing

Help a family member achieve home ownership
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 refinance of a home.


Ask about Family Assisted Financing1 when you apply for an eligible mortgage.

What HSBC relationship do I need?

At least one borrower must hold a Premier 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

Rate Quote

A Mortgage Consultant will contact you with your personalized rate quote.

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Mortgage financing request

Take the first step to get prequalified2 to buy or refinance your home.

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Connect with a
Mortgage Consultant

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

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1 A maximum of four borrowers are allowed and at least one borrower must have a Premier3 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.

2 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.

3 For a complete list of HSBC Premier Relationship eligibility requirements, please visit or speak with your Relationship Manager.

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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