Let us help you find a mortgage
What type of mortgage are you looking for?
Affordable and Regional Mortgages
We help make the dream of home ownership come true with a variety mortgage options for, but not limited to, first-time homebuyers. Explore our programs with low down payment options to find the mortgage that fits your budget.
Conforming Mortgages
A conforming mortgage is a loan that meets Fannie Mae and Freddie Mac guidelines set by the Federal Housing Finance Agency (FHFA) for the financing of 1-4 family residences, condos or co-ops. Choose between the stability of a fixed rate mortgage or the flexibility of an adjustable rate mortgage (ARM)1.
Jumbo Mortgages
Affordable and Regional Mortgages
Visit our affordable and regional mortgage page to view our low down payment mortgage programs. Get started with a personalized rate quote, request financing online, or speak with a Mortgage Consultant who can help find the mortgage that best fits your needs.
Conforming Mortgages
Choose between the stability of a fixed rate mortgage or the flexibility of an adjustable rate mortgage (ARM)1.
Fixed Rate Mortgages
A great choice if you want to establish a stable mortgage budget throughout the life of your loan.
- At closing, the rate of the loan is locked in and regular monthly payments are required
- Financing for 1-4 unit residential properties
- Flexible financing terms
Adjustable Rate Mortgages (ARM)1
Typically offers a lower initial rate than a fixed rate mortgage, and you may be able to take advantage of lower rates in the future. If you’re planning on moving or refinancing within a few years, an ARM may be a good option.
- Mortgage starts with a fixed interest rate for an initial period, with the rate becoming adjustable for the remaining term. Your monthly payment may change depending on market conditions.
- Flexibility of selecting the length of the initial fixed interest rate period
Jumbo Mortgages
HSBC offers a suite of jumbo mortgage products with large loan amounts designed with additional features based on your HSBC relationship.
HSBC Select Mortgage
-
20% down payment on mortgages up to $2 million
-
$250 closing cost credit3
-
Ability to use Restricted Stock Unit (RSU) income
Learn more about HSBC’s Select Mortgage and view rates.
HSBC Summit Mortgage8
-
20% down payment on mortgages up to $10 million
-
Financing for international borrowers5
-
Financing available on investment properties
-
Ability to use Restricted Stock Unit (RSU) income
Learn more about HSBC’s Summit Mortgage.
Get started
Rate quote
A Mortgage Consultant will contact you with your personalized rate quote.
Mortgage financing request
Take the first step to get prequalified10 to buy or refinance your home.
Connect with a
Mortgage Consultant
Call 844.HSBC.MTG (844.472.2684) to speak with a Mortgage Consultant to learn more.
Build your mortgage
Use our calculator to explore your loan options and mortgage rates.
- Input your loan terms and down payment
- View mortgage rates and options built for you
1 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.
2 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.
3 Must have 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.
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 representative or call 844.HSBC.MTG (844.472.2684).
5 International borrowers must have qualifying documentation to be eligible for an HSBC Preferred Mortgage, HSBC Deluxe Mortgage, HSBC Elite Mortgage or HSBC Summit Mortgage. Monthly mortgage payments must be made in U.S. funds
6 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 representative or call 844.HSBC.MTG (844.472.2684).
7 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 representative or call 844.HSBC.MTG (844.472.2684).
8 To be eligible for the HSBC Summit Mortgage, you must have an account with HSBC Private Banking and meet certain requirements. Please contact your Relationship Manager for more information.
9 To become an HSBC Private Banking customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.
10 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.
‡ 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.
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 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.