Whether you’re buying a home in the U.S. to live in or use as an investment, HSBC has the experience to provide home financing solutions for international borrowers1.

• International borrowers with qualifying documentation do not need U.S. credit history to apply for an HSBC mortgage. We may order an international credit report for your application.

• Loans up to 75% of appraised property value or purchase price, whichever is lower

• Our Jumbo Mortgages offer relationship pricing on a variety of fixed and adjustable rate mortgages (ARM)3 and up to $3 million in financing

Let us help you buy a home

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)9  with competitive interest rates.2

HSBC Preferred Mortgage6
For borrowers with combined personal deposit and investment balances from $10,000 to < $75,000
  • Access up to $3 million in financing
  • 10% down payment on mortgages up to $1.5 million4 with no Mortgage Insurance (PMI)5
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
4.022%
4.045% APR
Adjustable Rate as low as:
3.382%
3.881% APR

Rates based off of $2,000,000

HSBC Deluxe Mortgage7
For borrowers with combined personal deposit and investment balances from $75,000 to < $1,000,000
  • Access up to $3 million in financing
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
3.757%
3.779% APR
Adjustable Rate as low as:
3.132%
3.793% APR

Rates based off of $2,000,000

HSBC Elite Mortgage8
For borrowers with combined personal deposit and investment balances from $1,000,000
  • Access up to $3 million in financing
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
3.707%
3.728% APR
Adjustable Rate as low as:
3.082%
3.775% APR

Rates based off of $2,000,000

Steps on how to apply

Step 1

Application

When financing property in the U.S., a mortgage prequalification can simplify the process. We will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay.

Step 2

Credit verification

You do not need U.S. credit history to be eligible to apply for a mortgage loan. We may order your international credit report for your application. Additional information may be needed to complete credit verification.

Step 3

Documents you may need

There are a number of documents that you must supply when applying for a mortgage in the United States, but keep in mind that the exact documents needed may vary in different parts of the U.S.

 

In general, you will need documents that verify the following:

• Your identity

• Income

• Employment

• Assets

You may want to consider having a real estate attorney review all contracts, and consult with a tax specialist regarding your potential tax liabilities.

Step 4

Closing on your U.S. home
A real estate closing is the final step in your home purchase. At the closing you will be signing legal documents and settling all of the costs needed to transfer ownership of the property. The following professionals are typically included in closing meetings:

• Sellers

• Buyers

• Seller's attorneys

• Buyer's attorneys

• The bank

• The insurance official

Get started

Mortgage financing request

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

Connect with a
Mortgage Consultant

Call 844.HSBC.MTG (844.472.2684) from within the US or 716.841.6820 from overseas to speak with a Mortgage Consultant to learn more.

Home search & rewards program*

1 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.

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.

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

4 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.

5 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%.

6 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).

7 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). 

8 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 branch or call toll free at 844.HSBC.MTG (844.472.2684).

9 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.

‡ 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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