United States - HSBC Mortgage Services

Terms and Conditions


The following terms and conditions govern the use of this website and its electronic service that permits you to apply for credit and obtain information about credit offered by HSBC Mortgage Services Inc. Your use of this website constitutes your agreement to these Terms and Conditions.

Copyright and Other Intellectual Property:
HSBC Mortgage Services Inc. or its corporate parents, affiliates, or subsidiaries ("HSBC") maintains this web site and certain other web sites that are linked to this website, and is the owner or the authorized user of its entire contents, features and functionality, including, without limitation, all information, software, text, displays, images, graphics, photos, animation, video and audio, music, sounds and other materials contained within these web sites. The materials contained within these web sites, including, without limitation, any copyrights, trademarks, service marks, and all other proprietary materials, are protected by the U.S. and international copyright laws and treaty provisions, trademark, patent, trade secret laws, and other intellectual property of proprietary rights laws. HSBC also owns a copyright in the selection, design, coordination and arrangement of the material contained within these web sites. All rights, titles, or interests in any part of rights not expressly granted by us are reserved to us.

Non-Commercial, Lawful Use: The content of these web sites is provided by HSBC only for lawful uses by customers, employees, and members of the general public. The contents may not be copied, republished, incorporated into another web site or reproduced (whether by linking, framing, or any other method), modified, transmitted, distributed, uploaded, posted, publicly displayed, or used to create a derivative work or exploited in any other way without the express written consent of HSBC.

Prohibited Use:
You may use the website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to use the website: in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); for the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise; to send, knowingly receive, upload, download, use or re-use any material which does not comply with these Terms and Conditions; to transmit, or procure the sending of, any advertising or promotional material including any "junk mail", "chain letter" or "spam" or any other similar solicitation; to impersonate or attempt to impersonate us, our employee, another user or any other person or entity (including, without limitation, by using e-mail addresses) [or screen names] associated with any of the foregoing; or to engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the website, or which, as determined by us, may harm us or users of the website or expose them to liability. Additionally, you agree not to: link to the website or use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the website, including their ability to engage in real time activities through the website; use any robot, spider or other automatic device, process or means to access the website for any purpose, including monitoring or copying of any of the material on the website; use any manual process to monitor or copy any of the material on the website or for any other unauthorized purpose without our prior written consent; use any device, software or routine that interferes with the proper working of the website; introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful; attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the website, the server on which the website is stored, or any server, computer or database connected to the website; attack the website via a denial-of-service attack or a distributed denial-of -service attack; or otherwise attempt to interfere with the proper working of the website.

Limited Liability: NEITHER HSBC MORTGAGE SERVICES INC., ITS PARENT, AFFILIATES OR SUBSIDIARIES, OR ANY OTHER PARTY INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS SITE, NOR THE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES OF ANY OF THE FOREGOING, ARE LIABLE IN ANY WAY FOR ANY INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THIS SITE OR THE USE OF THIS SITE OR A LINKED SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, WHETHER OR NOT HSBC IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES, TROJAN HORSES OR HARMFUL CODE THAT MAY AFFECT A USER'S EQUIPMENT, ANY INCOMPATIBILITY BETWEEN THIS SITE'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. FAILURE OF ANY ELECTRONIC OR TELEPHONE EQUIPMENT, COMMUNICATION OR CONNECTION LINES, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, OR ANY FORCE MAJEURE. HSBC MORTGAGE SERVICES INC. DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THIS SITE OR A LINKED SITE. THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THE LINKED SITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY HSBC. THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTION OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND HSBC SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION ON THE SITE AND LINKED SITES. HSBC MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.

You understand that we cannot and do not guarantee or warrant that files available for downloading from the Internet or the website will be free of viruses or other destructive code. You are responsible for implementing sufficient security procedures and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUS OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

NO WARRANTIES: ALL PRODUCTS, SERVICES AND CONTENT ON THIS SITE ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND AND WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, RELIABILITY, SECURITY, OR ACCURACY, OR FREEDOM FROM ERROR OR VIRUS, MALICIOUS CODE OR OTHER DISABLING ROUTINE. NEITHER HSBC MORTGAGE SERVICES INC. NOR ITS PARENT, AFFILIATES OR SUBSIDIARIES ENDORSES AND NONE ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION ON THIS SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON THIS SITE. HSBC SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE WEBSITE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

INDEMNIFICATION: USER AGREES TO INDEMNIFY, DEFEND, AND HOLD HSBC HARMLESS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES RELATED TO A USER'S VIOLATION OF THESE TERMS OF USE OR THE USE OF THE SERVICES AND INFORMATION PROVIDED AT THIS WEBSITE.

Links: Clicking on certain links within this web site or certain other web sites that are linked to this web site may take you to other web sites, or may display information on your computer screen from other web sites, which are not maintained by HSBC. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this web site. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.

HSBC MORTGAGE SERVICES INC. AND ITS CORPORATE PARENTS, AFFILIATES, AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEB SITE, TO WHICH THIS WEBSITE IS LINKED (A "LINKED WEBSITE") AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY HSBC. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON A LINKED WEBSITE. ALL PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED WEBSITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

Choice of Law: All website activity or use and these Terms and Conditions are governed by the laws of the United States of America and the laws of the State of Illinois, without regard to conflict of law principles.

Website Content and Material: The information and materials contained in this website, including but not limited to these Terms and Conditions and any product information are made available for general information purposes and are subject to change without notice. Users are deemed to be apprised of and bound by any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by HSBC.

Waiver and Severability: Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Access to Secured Areas: Access to and use of password protected and/or secure areas of this web-site is restricted to authorized users only and subject to separate terms and/or agreements with us. Unauthorized persons attempting to access these areas of the website may be subject to prosecution.

Privacy Policy: Information collected by or through this website is subject to our Privacy Policy, which also governs your use of this website.

Updates: These Terms and Conditions were last updated May, 2016. Please check periodically for changes. We may post changes from time to time. Your continued use of this website after we have posted changes constitutes your agreement to the changes.

NMLS ID #'s

HSBC Mortgage Services Inc. NMLS ID #2510
Household Finance Corporation II NMLS ID #2496
Household Finance Corporation III NMLS ID #2504
Household Finance Corporation of California NMLS ID #250923
Household Finance Industrial Loan Company of Iowa NMLS ID #209271
Household Finance Realty Corporation of New York NMLS ID #41136
Household Finance Realty Corporation of Nevada NMLS ID #1450148
Household Realty Corporation NMLS ID #42891
Beneficial Financial I Inc. NMLS ID #2048
Beneficial Homeowner Service Corporation NMLS ID #41112
Beneficial Michigan Inc. NMLS ID #250960

State Disclosures:

Alabama: If your property is in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation of Alabama.

Alaska: If your property is in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation II.

Arizona: If your property is in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Realty Corporation, or Beneficial Financial I, Inc.* Loans are serviced by Household Realty Corporation.

Arkansas: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III. HSBC Mortgage Services Inc., principal office is located at 636 Grand Regency Boulevard, Brandon, Florida 33510.

California: If you property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation of California or Beneficial Financial I Inc.*

Household Finance Corporation of California, NMLS ID #250923, Department of Corporations Finance Lenders License No.603-3436, and/or HSBC Mortgage Services Inc., NMLS ID #2510,Department of Corporations Finance Lenders License No.603-1790, and/or HSBC Mortgage Services, Inc., NMLS ID #2510, Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, License No. 413-0128.

Colorado: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III, or Beneficial Financial I Inc.*

Connecticut: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc. HSBC Bank USA, N.A., Household Realty Corporation, Household Finance Corporation II.

Delaware: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation II, or Household Finance Corporation III.

For information regarding the Delaware schedule of charges regulation refer to this link. Delaware Schedule of Charges

Florida: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III or Household Finance Corporation of California.

Georgia: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Realty Corporation.

Household Realty Corporation, NMLS ID #42891, Mortgage Lender License No. 5888. Its principal office is located at 636 Grand Regency Boulevard, Brandon, Florida 33510 and/or HSBC Mortgage Services, Inc., NMLS ID #2510, Mortgage Lender Registration No. 7012, 636 Grand Regency Boulevard, Brandon, Florida 33510.

Hawaii: If your property is located in this state the lender of your account is either HSBC Bank USA, N.A. or Beneficial Financial I Inc.*

Please refer below for the schedule of fees charged to Hawaii borrowers in conjunction with the servicing of their loan.

Idaho: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A, Household Corporation III. Idaho Real Estate loans are serviced by HSBC Mortgage Services Inc.

Illinois: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation II, Household Finance Corporation III, or Beneficial Financial I Inc.*

HSBC Mortgage Services Inc., principal office is located at 636 Grand Regency Boulevard, Brandon, Florida 33510, Residential Mortgage License No. MB.0004305.

The principal office of Household Finance Corporation III, is located at 636 Grand Regency Boulevard, Brandon, Florida 33510, Residential Mortgage License No. MB.6760631.

Indiana: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III or Household Finance Consumer Discount Company.

Iowa: If your property is located in this state the lender of your account is either HBSC Mortgage Services Inc. on behalf of itself and d/b/a Household Mortgage Services, HSBC Bank USA, N.A., or Household Finance Industrial Loan Company of Iowa.

Kansas: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III or Beneficial Financial I, Inc.*

Kentucky: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation II.

Louisiana: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc.,HSBC Bank USA, N.A., or Household Finance Corporation II.

Maine: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation II.

Maryland: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation III.

Massachusetts: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation II on behalf of itself and d/b/a Household Mortgage Company. HSBC Mortgage Services Inc., NMLS ID #2510, Mortgage Lender License No. ML2510. Household Finance Corporation II, NMLS ID #2496, Mortgage lender License No. ML2496.

Michigan: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III on behalf of itself and d/b/a HSBC Mortgage or Beneficial Michigan Inc. on behalf of itself and d/b/a Bencharge Credit Service and Beneficial Credit Services.

Minnesota: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Industrial Finance Company or Beneficial Loan and Thrift Co. on behalf of itself and d/b/a Beneficial Mortgage Co. and Beneficial Credit Services.

Mississippi: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation II. HSBC Mortgage Services Inc. is licensed by the Mississippi Department of Banking and Consumer Finance NMLS # 2510. Its principal office is 636 Grand Regency Boulevard, Brandon, Florida 33510

Missouri: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III, Beneficial Financial I Inc.*. HSBC Mortgage Services, Inc., principal office is located at 636 Grand Regency Boulevard, Brandon, Florida 33510. Household Finance Corporation III and Beneficial Financial I Inc, principal office is located at 636 Grand Regency Boulevard, Brandon, Florida 33510.

Montana: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation II. HSBC Mortgage Services, Inc., NMLS ID #2510. Licensed by the Montana Residential Mortgage Lender Licensing Act - License #2510. Household Finance Corporation II, NMLS ID #2496. Licensed by the Montana Residential Mortgage Lender Licensing Act - License #2496

Nebraska: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation III on behalf of itself and d/b/a HFC Mortgage of Nebraska.

New Hampshire: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation II on behalf of itself and d/b/a Household Mortgage Company. HSBC Mortgage Services Inc. (NMLS Registry No 2510). Licensed by the New Hampshire Mortgage Banking Department, Mortgage Banker License #10627-MB. Household Finance Corporation II (NMLS Registry No. 2496), licensed by the New Hampshire Mortgage Banking Department, Mortgage Banker License #5779-MB.

New Jersey: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III. Household Finance Corporation III is licensed by the New Jersey Department of Banking and Insurance.

New Mexico: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III or Household Realty Corporation.

New York: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Realty Corporation of New York or Beneficial Homeowner Service Corporation.

New York Real Estate loans are serviced by HSBC Mortgage Services Inc, NMLS ID #2510. HSBC Mortgage Services, Inc. is a Licensed New York State Mortgage Lender & Servicer with the New York State Department of Financial Services. Its principal office is located at 636 Grand Regency Boulevard, Brandon, Florida 33510. Please refer below for the schedule of fees charged to New York borrowers in conjunction with the servicing of their loan.

Nevada: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Realty Corporation of Nevada or Beneficial Financial I Inc.*

North Carolina: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Realty Corporation. HSBC Mortgage Services Inc. NMLS ID#2510 Mortgage Lender License #L-118146. Household Realty Corporation, NMLS ID #42891, Mortgage Lender License #L-111029.

North Dakota: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation III.

Ohio: : If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Realty Corporation, Household Finance Corporation III.

HSBC Mortgage Services Inc., NMLS ID #2510, Certificate No. SM.501221.000, principal office at, 636 Grand Regency Boulevard, Brandon, Florida 33510, Household Realty Corporation, NMLS ID #42891,Certificate No. SM.500082.000 and Beneficial Financial I Inc., NMLS ID #2048, Certificate No. SM.501531.000. Its principal office is located at 636 Grand Regency Boulevard, Brandon, Florida 33510.

Oklahoma: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation III. Real Estate loans are serviced by HSBC Mortgage Services Inc., NMLS ID #2510.

Oregon: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation II.

Pennsylvania: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Consumer Discount Company or Household Realty Corporation.

Household Realty Corporation, NMLS ID #42891, licensed pursuant to the Secondary Mortgage Loan Act.

Rhode Island: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation II on behalf of itself and d/b/a Household Mortgage Company and Household Finance Mortgage Company.

South Carolina: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation II. Real Estate Loans are serviced by HSBC Mortgage Services Inc., NMLS ID #2510.

South Dakota: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation III.

Tennessee: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Financial Center Inc.

Texas: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III, Household Finance Corporation of California, Household Realty Corporation or Beneficial Financial I Inc.* Real Estate loans are serviced by HSBC Mortgage Services, Inc.

Filing Complaints Regarding the Servicing of Your Loan

COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.

A complaint form and instructions may be downloaded and printed from the Department's website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.

Filing Complaints Against Company or Residential Mortgage Loan Originator

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Utah: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation III.

Virginia: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Realty Corporation on behalf of itself and d/b/a Household Realty Corporation of Virginia.

Virginia Real Estate loans are serviced by HSBC Mortgage Services Inc., a Virginia State Corporation Commission Licensee, License Number MC-3772 and NMLS ID #2510 (www.nmlsconsumeraccess.org). Household Realty Corporation d/b/a Household Realty Corporation of Virginia, a Virginia State Corporation Commission Licensee. License Number MC-404 NMLS ID #42891 (www.nmlsconsumeraccess.org).

Vermont: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation II.

Washington: : If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A. or Household Finance Corporation III. Loans are serviced by HSBC Mortgage Services Inc. NMLS ID#2510 Consumer Loan License #520-CL-24990, Household Finance Corporation III NMLS ID #2504, Consumer Loan License # CL-2504.

Washington DC: If your property is located in the District of Columbia the lender for your account is either Household Finance Corporation III. Real Estate Loans are serviced by HSBC Mortgage Services, Inc.

West Virginia: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III or Beneficial West Virginia, Inc. on behalf of itself and d/b/a Beneficial Credit Services of West Virginia.

Wisconsin: If your property is located in this state the lender for your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., Household Finance Corporation III or Beneficial Financial I Inc.*

Wyoming: If your property is located in this state the lender of your account is either HSBC Mortgage Services Inc., HSBC Bank USA, N.A., or Household Finance Corporation II.

*Lenders that have succeeded into Beneficial Financial I Inc.:
Beneficial Alabama Inc.; Beneficial Arizona Inc.; Beneficial California Inc.; Beneficial Colorado Inc.; Beneficial Delaware Inc.; Beneficial Discount Co. of Virginia; Beneficial Finance Co. of West Virginia; Beneficial Finance Services, Inc.; Beneficial Georgia Inc.; Beneficial Hawaii Inc.; Beneficial Idaho Inc.; Beneficial Illinois Inc.; Beneficial Indiana Inc.; Beneficial Iowa Inc.; Beneficial Kansas Inc.; Beneficial Loan Corporation of Kentucky; Beneficial Management Corporation of America; Beneficial Maryland Inc.; Beneficial Mississippi Inc.; Beneficial Missouri, Inc.; Beneficial Montana Inc.; Beneficial Mortgage Corporation; Beneficial Mortgage Co. of Arizona; Beneficial Mortgage Co. of Colorado; Beneficial Mortgage Co. of Connecticut; Beneficial Mortgage Co. of Georgia; Beneficial Mortgage Co. of Idaho; Beneficial Mortgage Co. of Indiana; Beneficial Mortgage Co. of Kansas; Beneficial Mortgage Co. of Maryland; Beneficial Mortgage Co. of Massachusetts, Beneficial Mortgage Co. of Mississippi; Beneficial Mortgage Co. of Missouri, Inc.; Beneficial Mortgage Co. of North Carolina; Beneficial Mortgage Co. of Nevada; Beneficial Mortgage Co. of Oklahoma; Beneficial Mortgage Co. of South Carolina; Beneficial Mortgage Co. of Texas; Beneficial Mortgage Co. of Utah; Beneficial Mortgage Co. of Virginia; Beneficial Nebraska Inc.; Beneficial Nevada Inc.; Beneficial New Jersey Inc.; Beneficial New Mexico Inc.; Beneficial North Carolina Inc.; Beneficial Ohio Inc.; Beneficial Oklahoma Inc.; Beneficial South Carolina Inc.; Beneficial Texas Inc.; Beneficial Utah Inc.; Beneficial Vermont Inc.; Beneficial Virginia Inc.; Beneficial Washington Inc.; Beneficial Wisconsin Inc.; Capital Financial Services, Inc.; Household Finance Corporation of Hawaii; Mortgage One Corporation; Mortgage Two Corporation

Hawaii Schedule of Fees:

HELOC Maintenance Fee: The subsequent maintenance fee is assessed automatically when the account is in an open status with an active credit line on the accounts annual anniversary date.

     Real Estate Secured Loans: As contracted

Late Fees: A fee charged when the payment is not received on time.

      Real Estate Secured Loans Subject to Hawaii Late Fee Requirements: 5% of the principal and interest installment, 10 day grace period.

     Real Estate Secured Loans Not Subject to Hawaii Late Fee Requirements: As contracted

Non-Sufficient Funds (NSF) Fees: A fee charged if a payment is returned as unpaid by the payor's financial institution for any reason.

     Real Estate Secured Loans: $20.00

Lien Release Fees: A fee charged by the appropriate local governmental office to record a release of lien for the mortgaged property - the fee varies by the locale in which the property is located.

Subordination Fee: A fee charged to process subordination requests received for the HSBC Mortgage Services, Inc. loan to remain a junior lien to facilitate the refinancing or modification of a first or superior lien.

     Real Estate Secured Loans: $250, aggregate of all fees and expenses not to exceed one percent of the principal amount of the loan

Fees listed represent those that may be assessed to borrowers. Fee listing is subject to periodic updates.

New York Schedule of Fees:

HELOC Maintenance Fee: The subsequent maintenance fee is assessed automatically when the account is in an open status with an active credit line on the accounts annual anniversary date.

     Real Estate Secured Loans: As contracted

Late Fees: A fee charged when the payment is not received on time.

     Real Estate Secured Loans Subject to New York Late Fee Requirements: 2% of the unpaid      amount of the installment, 15 day grace period.

     Real Estate Secured Loans Not Subject to New York Late Fee Requirements: As contracted

Non - Sufficient Funds (NSF) Fees: A fee charged if a payment is returned as unpaid by the payor's financial institution for any reason.

     Real Estate Secured Loans: $20

Lien Release Fees: A fee charged by the appropriate local governmental office to record a release of lien for the mortgaged property - the fee varies by the locale in which the property is located.

Default Fees: A fee associated with the collection of a defaulted loan. Debtor is assessed the actual fees charged by third parties.

Subordination Fee: A fee charged to process subordination requests received for the HSBC Mortgage Services, Inc. loan to remain a junior lien to facilitate the refinancing or modification of a first or superior lien.

     Real Estate Secured Loans: $250

Fees listed represent those that are currently being assessed to borrowers. Fee listing is subject to periodic updates.

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Disclosure:
This information is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary.