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U.S. Mortgages for International Borrowers

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

• Our Jumbo Mortgages offer relationship pricing on a variety of fixed and adjustable rate mortgages (ARM)2 and up to $4 million in financing

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

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)2  with competitive interest rates3.

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
Fixed Rate as low as:
3.999%*
4.022% APR
Adjustable Rate as low as:
3.441%*
2.925% APR2

Rates based off of $2,000,000

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
Fixed Rate as low as:
3.674%*
3.696% APR
Adjustable Rate as low as:
3.116%*
2.811% APR2

Rates based off of $2,000,000

HSBC Elite Mortgage6
For borrowers with combined personal deposit and investment balances from $1,000,000
  • Access up to $4 million in financing
Fixed Rate as low as:
3.624%*
3.645% APR
Adjustable Rate as low as:
3.066%*
2.794% APR2

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 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 search & rewards program*

* Rate is subject to change based upon your banking relationship with HSBC. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.

1 International borrowers must have qualifying documentation to be eligible for an HSBC Preferred Mortgage, HSBC Deluxe Mortgage or HSBC Elite Mortgage. Monthly mortgage payments must be made in U.S. funds.

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).

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.

* 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. For HomeStory terms and conditions visit https://hsbc.homestory.co/.

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.

*Explanation of Terms

Jumbo Mortgages

Annual Percentage Rate (APR) and Monthly Payment

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. 

Assumptions: The APR and Monthly Payment calculation is based on a loan amount of $2,000,000 for the purchase of an owner occupied property, a down payment of 35%, closing costs of $2,373.75 plus points shown above, 15 days of prepaid interest and an interest rate with a 60-day lock period.

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.

Current Rates

Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates available to most customers. Your individual rate may vary.

Payment Examples:

5/1 ARM Jumbo Preferred: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months, the principal and interest payment will be $8915.15 with a corresponding simple interest rate of 3.441%.  For the remaining 300 months, the principal and interest payment will vary based upon the margin added to the current index on scheduled adjustment dates (which may be subject to adjustment or lifetime interest rate caps). Therefore, the actual interest rate and monthly principal and interest payment may be higher or lower than shown here. 

30yr Fixed Jumbo Preferred: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly Payments will be $9547.15 with a corresponding simple interest rate of 3.999%.

5/1 ARM Jumbo Deluxe: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months, the principal and interest payment will be $8557.72 with a corresponding simple interest rate of 3.116%.  For the remaining 300 months, the principal and interest payment will vary based upon the margin added to the current index on scheduled adjustment dates (which may be subject to adjustment or lifetime interest rate caps). Therefore, the actual interest rate and monthly principal and interest payment may be higher or lower than shown here. 

30yr Fixed Jumbo Deluxe: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly Payments will be $9176.27 with a corresponding simple interest rate of 3.674%.

5/1 ARM Jumbo Elite: The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months, the principal and interest payment will be $8503.44 with a corresponding simple interest rate of 3.066%.  For the remaining 300 months, the principal and interest payment will vary based upon the margin added to the current index on scheduled adjustment dates (which may be subject to adjustment or lifetime interest rate caps). Therefore, the actual interest rate and monthly principal and interest payment may be higher or lower than shown here. 

30yr Fixed Jumbo Elite: The total repayment term for this fixed rate loan is 30 years or 360 payments. Monthly Payments will be $9119.90 with a corresponding simple interest rate of 3.624%.

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