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How to use your EQUITY to buy another home (step-by-step)HSBC offers support for financing homes, refinancing mortgages, equity assessment and more. Get all the information from our loan centre inside. Apply for a home loan today! Learn about new purchase mortgage loans, refinance loans and home equity loans that U.S. Bank offers. You do not need U.S. credit history to be eligible to apply for a mortgage loan. We may order an international credit report for your application. Additional.