Cash out option for an all cash purchase

An online only 6 month Certificate of Deposit (CD) account with 2.00% APY.

  • Relationship pricing and discounts on a variety of fixed and adjustable rate mortgages
  • Up to $3 million in financing
  • Title vesting for U.S. corporations and U.S. limited liability companies
  • Flexible lending guidelines
  • Up to $1,500 in closing cost credits3 on Elite1 Mortgages

Family Assisted Financing

  • A maximum of four borrowers are allowed to be considered owner occupied; the property must be the primary residence of one of the applicants.
  • Everyone signing the note is considered a co-borrower and must be on the title.
  • Cash out refinances are not allowed.
  • All borrowers must meet standard requirements for mortgage eligibility, and must have either U.S. citizenship, permanent residence, or a valid visa acceptable to HSBC. Additionally, occupying borrowers with a valid F1 visa are eligible for this program with documentation showing their current enrollment at a U.S. college or university.


We offer a variety of co-op mortgage products with enhanced guidelines. With HSBC's experience in co-op mortgages, our clients can have full confidence that their needs will be met.

Affordable housing options

HSBC is making the dream of homeownership come true with a variety of mortgage options for, but not limited to, first time homebuyers and veterans. Let HSBC guide you in finding the best mortgage to fit your needs.


The value we place on our home often changes throughout our lives. Discover homeownership stories of how experiences and different circumstances can change the way we value our home.

We offer mortgage solutions for your international clients seeking a home in the U.S. Whether your client is looking for a new home to reside in or an investment property, HSBC is the right partner to make a home ownership a reality.

Mortgage calculators to help estimate costs.

1 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).

2 Mortgage financing on cooperatives is only available in NJ, NY & Washington DC

3 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.

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 property 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.

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 adviser for more information.