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U.S. Mortgages for International Clients

We help newcomers become homeowners.

Whether you’re buying a home in the U.S. to live in or use as an investment property, HSBC has the experience to provide mortgage solutions for foreign nationals. 

• International borrowers1 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

• Fixed and adjustable rate mortgage (ARM)2 options with financing up to $4 million

Let us help you buy a home in the U.S.

Jumbo Mortgages

At HSBC we offer a suite of jumbo mortgage products designed with additional features and discounts3 based on your banking relationship with HSBC.

HSBC Preferred Mortgage4
For borrowers with combined personal deposit and investment balances from $10,000 to < $75,000
  • Access up to $3 million in financing

Learn more about HSBC’s Preferred Mortgage and view rates.

HSBC Deluxe Mortgage5
For borrowers with combined personal deposit and investment balances from $75,000 to < $1,000,000
  • Access up to $4 million in financing

Learn more about HSBC’s Deluxe Mortgage and view rates.

HSBC Elite Mortgage6
For borrowers with combined personal deposit and investment balances greater than $1,000,000
  • Access up to $4 million in financing

Learn more about HSBC’s Elite Mortgage and view rates.

HSBC Summit Mortgage7
For borrowers with an HSBC Private Banking relationship8
  • Access up to $10 million in financing

Learn more about HSBC’s Summit Mortgage.

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 an 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 ownership resources

For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at www.us.hsbc.com/crossborder. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. Lending products are offered in the U.S. by HSBC Bank USA, N.A. Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A.

1 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.

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

3 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.

4 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 844.HSBC.MTG (844.472.2684).

5 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 844.HSBC.MTG (844.472.2684).

6 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 844.HSBC.MTG (844.472.2684).

7 To be eligible for the HSBC Summit Mortgage, you must have an account with HSBC Private Banking and meet certain requirements. Please contact your Relationship Manager for more information.

8 To become an HSBC Private Banking customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details. 

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax advisor for more information.

‡ 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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