Mortgages and Home Loans | Santander Bank - Santander

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Home sweet loan.


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Ready to buy a home? Faster?

There really is no place like home. And once you’ve found the right one, we’re here to help you find the right financing. Whether you’re a first-time home buyer or looking to make a move, we have a loan to match your budget. From rates to payments to closing costs, we’ll help you navigate the mortgage process from start to finish.*

Ready to refinance? Faster?

The answer isn’t always to pack up and move. Sometimes you just want more suitable payment terms, such as reducing the duration of your loan, or want to tap the equity in the place you call home. We can help you evaluate your options and find the best refinancing solution.*

Good reasons to refinance a mortgage.

  • Breathe easier with a lower interest rate and smaller monthly payment.
  • Reduce the term of your mortgage and pay your home off sooner.
  • Give yourself more predictable monthly payments by switching from an adjustable rate mortgage (ARM) to a fixed-rate mortgage.
  • Tap into your home’s equity to cover major expenditures such as renovations.
  • Make living in the home you love more financially manageable on your terms.

EZApplySM from Santander®

Ready when you are with the fastest and simplest way to apply and close on a Santander Mortgage.

  • Apply fast and paperless any time, anywhere.
  • Track your application status from start to finish.
  • Work with a loan specialist assigned to you
  • Close the loan at your convenience.

Pre-qualify quickly and easily.

Start or check the status of your application.

Types of mortgage solutions to consider:

Favorite features:

  • Your interest rate is fixed for the length of the loan.
  • We have mortgage terms that let you pay your mortgage sooner or you can lower your payments by spreading them over a longer period of time. You can choose from a variety of terms.
  • For first-time homebuyers, we can assist you in the process from getting you pre-approved to selecting the right loan option and getting you into your new home.

Favorite features:

  • Flexibility if you expect future income growth or plan to move or refinance within a few years.
  • The ability to refinance your ARM to lock in a fixed rate.

Favorite features:

  • Federal Housing Administration (FHA) down payment options as low as 3.5% help you keep more money in your pocket.
  • Department of Veterans Affairs (VA) loans are available to qualified veterans, reservists, or active-duty personnel.

Favorite features:

  • No-cost pre-qualification that estimates your borrowing capacity.
  • Pre-approval letter to help you and your builder develop a budget.
  • Personal assistance from a Santander Mortgage Specialist who will work with you, once you’ve selected a builder, from application to final loan disbursement.

Favorite features:

  • Federal Housing Administration (FHA) Loans are a government-insured program that offers more favorable terms than some conventional refinance mortgages.
  • Department of Veterans Affairs (VA) Loans are a financing option specifically for qualified veterans, reservists, or active-duty personnel.

Mortgage tools and resources.

How Santander Home Lending steps up.

  • Competitive rates on the right mortgage for you.
  • Service your way, in-person or online.
  • Access to more than 575 branches across the Northeast.
  • An A+ Better Business Bureau Rating.

Highly rated Mobile Banking App.

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Based on 275k ratings on the app store as of 1/19/2022

Bank your way. Check your balance, deposit checks, pay bills, shop with Apple Pay®, or transfer money, virtually anywhere, any time.


Digital banking with Santander PROTECHTION gives you the confidence and control to bank online with peace of mind.

  • Manage accounts. Know you’re safe with us, using digital controls for cards, alerts, and more.
  • Manage cards. Activate debit and credit cards, put a misplaced card on hold, report them lost or stolen, and request replacements.
  • Set up alerts. Select and customize the alerts you want to receive, refine alert settings, and choose whether to receive them via text, email, or both.

Have questions?


Call our Home Lending Center.

* All loans subject to approval.