Ray Zeng
Mortgage Consultant NMLS ID: 1453820
Ray Zeng is located in New York and operates in the NYC Metro area. Ray is trilingual in English, Mandarin and Cantonese and specializes in lending to international borrowers as well as first time home buyers, co-ops, condos, grants and 1-4 family home lending. Ray has more than 5 years’ experience in Mortgage Banking and can be reached by email at ray.j.zeng@us.hsbc.com.
Areas covered/ Languages
- NYC Metro, and New Jersey
- Mandarin and Cantonese
Specialties/ Awards
- NAEA
- Foreign National, First time Home Buyer, Coops, Condo, Grants, 1-4 Family homes
Education / Associations
- 5 years banking experience
1 Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter.
2 To be eligible for an HSBC Home Equity Line of Choice you must have a U.S. Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements, please visit https://www.us.hsbc.com/premier or speak with your Relationship Manager.
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.
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.
All mortgage purchase, refinance and home equity line of credit product materials are only available in English. All negotiations for these products will only take place in English.