Mortgages - Santander

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You’ll like

a Santander
Fixed-Rate Mortgage

If you’re looking for

steady, reliable monthly payments.*

You’ll like

a Santander Adjustable
Rate Mortgage

If you’re looking for

lower monthly payments.*

You’ll like

a Santander
Specialized Mortgage

If you’re looking for

access to favorable homeownership terms.*

You’ll like

a Santander
Construction Mortgage

If you’re looking for

flexible start-to-finish financing.*

Favorite features

  • Choose from our traditional 15-year and 30-year fixed rate mortgages.
  • Fixed-rate mortgages make budget planning easier.
  • Your monthly payments remain unchanged for the life of your loan.
  • Never worry about rising interest rates.

Favorite features

  • Attractive initial interest rates.
  • Typically lower monthly payment than a fixed rate mortgage.
  • Interest savings if you plan to refinance in a few years.
  • Interest rate cap limits monthly mortgage payment increases.

Federal Housing Administration (FHA) Loan favorite feature

  • Lower down payment options vs. a conventional mortgage.

Department of Veterans Affairs (VA) Loan favorite feature

  • Mortgage options specifically for military personnel.

Favorite features

  • Multiple interest rate and term options.
  • Interest-only payments during construction.
  • Partnership between you, your builder and Santander.
  • Construction and permanent mortgage all-in-one closing.

Fixed-Rate Mortgage benefits:

  • Budget with confidence, knowing that your interest rate and monthly principal and interest (P&I) payments won’t change during your loan term.
  • Spread out your payments over up to 30 years, or pay your home off sooner with a variety of loan terms. You can choose repayment terms from 10 to 30 years.
  • Lock in your interest rate and reduce your exposure to changes in the economy.

Make sure a Fixed-Rate Mortgage is the best fit for you.

We have a choice of mortgage options to consider.
Click here to compare.

Adjustable Rate Mortgage benefits:

  • Enjoy an affordable monthly payment, lower than a fixed-rate mortgage.
  • Save money on interest payments if you plan to move or refinance within a few years.
  • Rest easier with an interest rate cap that limits the amount by which your monthly payment can increase, at each ARM rate adjustment and over the life of the loan.

Make sure an Adjustable Rate Mortgage is the best fit for you.

An ARM loan typically offers you an attractive interest rate for the first several years of your loan, then it adjusts every 6 months for the remainder of your mortgage term.

We have a choice of mortgage options to consider.
Click here to compare.

Specialized Mortgage benefits:

Federal Housing Administration (FHA) Loans:

This government-insured loan program offers lower down payment options versus a conventional mortgage.

Department of Veterans Affairs (VA) Loans:

Financing options specifically for qualified veterans, reservists, or active duty personnel.

Make sure an FHA or VA Mortgage Loan is the best fit for you.

We have a choice of mortgage options to consider.
Click here to compare.

Construction Mortgage benefits:

  • Choose from multiple home construction loan interest rate and term options, including zero-points loans, to meet your needs.
  • Save money by making interest-only payments while your home is being built.
  • Put the equity in your land toward your down payment requirements, or use your loan funds to purchase your lot. We’ll work with you and your builder throughout the building process, up until the disbursement of funds.
  • A one-time closing! Take out one loan that combines your construction costs and permanent mortgage. With a onetime closing you’ll save on closing costs.

Make sure a Construction Mortgage is the best fit for you.

We have a choice of mortgage options to consider.
Click here to compare.

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.

FHA Mortgage Requirements

To qualify for an FHA Loan, you must:

  • Have a credit score of 680 or higher.
  • Be able to prove steady employment history.
  • Have a property appraisal from an FHA-approved appraiser.
  • Be at least 2 years out of bankruptcy or 3 years out of foreclosure.
  • Pay mortgage insurance up front and throughout the term of the mortgage.

VA Loan Requirements

In addition to credit and income requirements, you must obtain a certificate of eligibility to qualify for a VA loan. You may be eligible for a VA loan if you are:

  • Currently on active duty
  • A veteran
  • A National Guard or Reserve member
  • An eligible surviving spouse

Learn more about VA loan eligibility requirements.

Have questions?


Call our Home Lending Center.

* All loans subject to approval.

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