Take a look at our latest mortgage rates
Choose HSBC for a range of mortgage rates. Take a look at our latest rates and get a personalized quote today.
Conforming mortgages
Our conforming mortgages provide the stability of a fixed rate mortgage or the flexibility of an adjustable rate mortgage (ARM)[@arm].
Our latest conforming mortgage rates
| Mortgage type | Interest Rate | APR |
|---|---|---|
| 30 Year Fixed Rate |
6.375% |
6.447% |
| 15 Year Fixed Rate |
5.500% |
5.613% |
| Mortgage type |
30 Year Fixed Rate |
|---|---|
| Interest Rate |
6.375% |
| APR |
6.447% |
| Mortgage type |
15 Year Fixed Rate |
| Interest Rate |
5.500% |
| APR |
5.613% |
Conforming mortgages: based on the purchase of a single-family, primary residence, 80% loan-to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. See Assumptions, APR information and disclosures for conforming mortgages for each product's corresponding closing costs, points, and payment examples. Rates shown are for the following counties in the state of New York only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, and Erie); for current rates available in other counties in NY and all other States, please call 866.427.2101.
We offer additional mortgage options not listed above.
Jumbo mortgages
We offer a suite of jumbo mortgage products designed with additional features and discounts based on your banking relationship with HSBC.
Our latest HSBC Deluxe Mortgage[@deluxe]Footnote link 4 rates
| Term | Interest Rate |
APR |
|---|---|---|
| 30 Year Fixed Rate |
6.648% |
6.699% |
| 10/6 ARM |
6.170% |
6.415% |
| 7/6 ARM |
6.030% |
6.427% |
| 5/6 ARM |
5.738% |
6.397% |
| Term |
30 Year Fixed Rate |
|---|---|
| Interest Rate |
6.648% |
| APR |
6.699% |
| Term |
10/6 ARM |
| Interest Rate |
6.170% |
| APR |
6.415% |
| Term |
7/6 ARM |
| Interest Rate |
6.030% |
| APR |
6.427% |
| Term |
5/6 ARM |
| Interest Rate |
5.738% |
| APR |
6.397% |
Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. See Assumptions, APR information and disclosures for jumbo mortgages for each product's corresponding closing costs, points, and payment examples. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.
We offer additional mortgage options not listed above.
Explanation of mortgage terms
Get started
If you’re looking to buy a new home, or to refinance your existing home, now could be the right time to consider your options.
Take the first step to get prequalified[@prequalified] online or speak to an HSBC Mortgage Consultant for a rate quote.
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Additional information
Disclaimers
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 canceled 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.