You understand that this is not a mortgage loan application, and that if you wish to apply for a mortgage loan, you will need to apply directly with HSBC Bank. By clicking "Submit", you consent and agree to the following Terms & Conditions and Privacy and Security Policy. You also agree to be contacted by HSBC Bank USA, N.A. and our representatives, LQ Digital, regarding your loan inquiry and/or to explore mortgage products and services at the telephone number or e-mail address you have provided. You agree that HSBC Bank USA, N.A. and its representatives, LQ Digital, may use automated calling technology to contact you by phone call, text or pre-recorded voice message at the telephone number provided, even if you previously registered on a Do-Not-Call registry. This consent is not required to obtain HSBC Bank's goods or services. You may opt-out of receiving autodialled or pre-recorded calls or texts. You may also periodically receive e-mail correspondence from HSBC Bank. You can unsubscribe from these emails at any time.

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.

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, www.us.hsbc.com, provide products and services governed by laws and regulations in the United States. 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 your product requires a contract, application, disclosure, or other document to be signed, such document(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the United States. If you are not located in the U.S., the laws and regulations of the country at which you are located could affect the offering, negotiation, discussion, provision and/or use of products and services of HSBC Bank USA, N.A. 

If you are not located in the United States, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website https://www.us.hsbc.com/cross-border-disclosures/

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.

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.