HSBC · Bank
HSBC
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: 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. Geographic and other restrictions may apply.
At a glance
- Borrower type
- Are a U.S. citizen, a permanent or non-permanent resident alien or a foreign national
- Property use
- Primary residence
Still to confirm: Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- The lender publishes a mortgage pathway for international borrowers with qualifying documentation.
- The source states eligible applicants do not need U.S. credit history; documentation and underwriting still apply.
What to consider
- Mortgage options can require an HSBC Premier or Private Banking relationship. Confirm the selected program and current relationship requirements.
- Visa, ITIN, SSN, foreign-credit and foreign-income acceptance need lender confirmation.
- Income, assets, credit, down payment, occupancy, property and geographic requirements depend on the specific program and full underwriting.
AI-generated lender-level assessment based on published information. Not a verified assessment of HSBC Preferred Mortgage — Primary residence; confirm program-specific conditions below.
Additional lender considerations
- Request current rates, APR, fees, mortgage insurance and a Loan Estimate. Approval is not guaranteed.
Newcomer requirements
HSBC Preferred Mortgage — Primary residence
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- U.S. credit history
- Conditional. Conditional — check the published conditions
- Foreign credit history
- Conditional. International borrowers with qualifying documentation do not need U.S. credit history to be eligible to apply for a mortgage in the U.S. We may order an international credit report for their mortgage application.
- Residency / visa
- Are a U.S. citizen, a permanent or non-permanent resident alien or a foreign national
- Minimum down payment
- 20% down payment on mortgages up to $2 million
- Property restrictions
- 1-4 unit, attached, detached primary residences, second homes, and investment properties
- Occupancy
- Primary residence
View full lender requirements
- U.S. credit history
- Conditional — check the published conditions
- Foreign credit history
- International borrowers with qualifying documentation do not need U.S. credit history to be eligible to apply for a mortgage in the U.S. We may order an international credit report for their mortgage application.
- Residency / visa
- Are a U.S. citizen, a permanent or non-permanent resident alien or a foreign national
- Minimum down payment
- 20% down payment on mortgages up to $2 million
- Property restrictions
- 1-4 unit, attached, detached primary residences, second homes, and investment properties
- Occupancy
- Primary residence
- Other conditions
- HSBC Preferred Mortgage requires combined personal deposit and investment balances of at least $25,000 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.
Questions to confirm with the lender (10)
These requirements have not been verified for this program:
- SSN
- ITIN
- No credit history
- Minimum credit score
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
Requirements last reviewed: Oct 28, 2026 · Official requirements source
Rates and costs
HSBC Preferred Mortgage — Primary residence
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
HSBC Preferred Mortgage — Primary residence
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
HSBC describes U.S. mortgage options for international borrowers. With qualifying documentation, a U.S. credit history is not required to be eligible to apply; the particular mortgage program and banking relationship still need review.
Legal lender: HSBC Bank USA, N.A.
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Not stated.
More lender directory information
Direct application 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. Geographic and other restrictions may apply.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 21, 2026
- Official lender source · Last checked Oct 28, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.