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Home sweet loan.

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Compare our Mortgage Products.

Buying a home is a major milestone, but figuring out how to pay for it can stressful. We offer a variety of mortgage products and are here to help you choose the right one for you.* We’ll also help you through the mortgage process, from pre-qualification to closing, to make your home buying experience as stress-free as possible.
Select products to compare:
Product title
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^ Select products to compare ^
For borrowers looking for
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  • The same interest rate for the life of the loan.
  • Variety of repayment terms from 10 to 30 years.
  • Lower interest rates than fixed-rate mortgages.
  • Variety of repayment terms from 5 to 10 years.
  • Smaller down payments.
  • Loans for qualified veterans, reservists, or active duty personnel.
  • Flexible terms
  • Interest-only payments during construction One loan that combines your construction costs and permanent mortgage.
  • Higher loan amounts
  • Available as fixed-rate or adjustable-

What you need to know
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  • Higher monthly payments.
  • Rates fluctuate after a period of time.
  • Loan size limits may apply based on state or county.
  • Loan must be for primary residence.
  • Loan must be for primary residence.
  • High credit score.
  • High monthly payments.
  • Higher interest rate than fixed- or adjustable- rate mortgages.
  • Partial loan payments.
  • Requires higher credit score, income, and down payment.

Down payment requirements
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As low as 3% of purchase amount
As low as 3% of purchase amount
3.5% of purchase amount
0% of purchase amount

10% or more of purchase amount

20% or more of purchase amount


Income requirement
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Moderate

Moderate

Low to Moderate

Moderate
High
High

Credit risk eligibility
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High

High

Low
Low
High
High

Fixed-interest rate
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Yes

No

Yes
Yes
Yes
Yes

Terms available
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10, 15, 20, 30 years

5, 7, or 10 years

Fixed-Rate 10, 20, or 30 years

Adjustable-Rate Mortgages 30 years

15 or 30 years

Fixed-Rate 15, 20, 25, or 30 years

Adjustable-Rate Mortgages 15 or 30 years
Fixed-Rate 15, 20, 25, or 30 years

Adjustable-Rate Mortgages 15 or 30 years

Mortgage insurance
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If down payment <20%

If down payment <20%

Yes
No

If down payment <20%

If down payment <20%

Compare our loan benefits:

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.

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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217K ratings as of 10/08/2020.

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

Santander PROTECHTION.

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?


1-855-684-4968

Call our Home Lending Center.

 Find a mortgage loan officer

Arrange a meeting with one of our loan specialists.

* All loans subject to approval.

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