Just the FAQs

How do I notify HSBC if my billing address changes?
Use HSBC's Internet Banking feature to change your address. If you wish to make changes to the listing of borrower names and/or Social Security Numbers, please contact Customer Service for further instructions.


Can I make additional principal payments and escrow payments on my mortgage, over and above my regular monthly payments?
Yes, as long as your account is not past due. Simply add the additional funds to your regular monthly payment and then enter the additional amount and how it should be applied in the space provided on the monthly statement detachable coupon.


Can I sell my home and let the buyer take over my remaining payments?
This arrangement, called an assumption, is prohibited unless specifically allowed in your Note and Mortgage. If your mortgage has this assumption clause, please contact our Customer Service Department for further information.


What if at some future date I want to pay my mortgage in full?
For payoff instructions, use HSBC's Internet Banking service.


How will I receive year-end information for tax filing?
By January 31st of each year, we will mail you the annual IRS Form 1098 with the total figures for the previous calendar year. It provides all your mortgage information necessary for income tax purposes. If you earn interest on your escrow account, we will also mail you an IRS Form 1099-INT statement of interest. HSBC is legally required to report to the IRS the annual amount of interest paid and interest earned on your account. The information is also available on HSBC's Internet Banking service.


I have an Adjustable Rate Mortgage (ARM). Does my ARM have a fixed-rate conversion option? If so, how do I convert?
Your mortgage documents will indicate if your loan is eligible for conversion. Please contact our Customer Service Department for further information and instructions.


Can I access my mortgage information on the internet?
Yes. Visit us.hsbc.com. Select internet banking and follow the instructions to register. If you have an HSBC deposit account, you can electronically transfer funds to your HSBC mortgage account. You will be able to access your mortgage account information 24 hours a day, 7 days a week.


Where do I send my mortgage payments?
Send mortgage payments to:
HSBC Mortgage Corporation (USA)
Suite 0241
Buffalo, NY 14270-0241

For payments that require the signature of the receiver (overnight or other guaranteed delivery), please deliver to:
HSBC Mortgage Corporation (USA)
One HSBC Center
2 West Wing - Lockbox
Buffalo, NY 14203


What if I have a problem paying my mortgage?
If you have difficulties making your mortgage payment, please call a Loan Counselor for assistance. Monday through Thursday, 8:00 a.m. to 9:00 p.m.
Friday, 8:00 a.m. to 6:00 p.m.(ET)
Saturday, 8:00 a.m. to 12:00 p.m.(ET)
(800) 338-6441 or (716) 651-5538


How do I contact Customer Service?
Ensure that you have your account number and contact us in any of the following ways:

By phone:
Quick Response Line: Call our automated Quick Response Line for the status of your monthly payment, the current principal and escrow balances, year-to-date tax and interest payments, and more. Available 24 hours a day, 7 days a week. (800) 338-4626

Customer Service Department: Call our Customer Service Department for more detailed questions. Monday - Friday, 7:00 a.m. to 11:00 p.m. and Saturday, 7:00 a.m. to 6 p.m. (ET) (800) 338-4626

By mail:
HSBC Mortgage Corporation (USA)
Attention: Customer Service
P.O. Box 4552
Buffalo, NY 14240-8851

By Internet:
us.hsbc.com

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