Set up a Meeting

Click here to learn more about a Home Equity Line of Credit. Or, if you would prefer to speak to a Santander Loan Specialist, call 1.844.726.6849.

Complete Your Application

Click here to access the online application. You will need to provide financial information such as your monthly income, monthly expenses, and employment history as well as information about the property you wish to use as collateral. You may also call 1-844-726-6849 to apply over the phone, or visit your nearest Santander branch.

Verify Your Income

In order to move to the next stage, we'll need documentation that verifies the amount and sources of your income. You will receive status updates with action items to complete, including uploading documents and electronically signing documents. Click here for a checklist that tells you what is required to upload based on your sources of income.

Receive Your Initial Credit Decision

Our underwriting department will review your application and provide the initial credit decision via our on-line portal or a letter. If approved, the letter will include the terms and conditions of the loan, including required proof of income. You will then select the closing option that is most convenient for you.



We'll Determine Your Home's Value

To determine your home's value, the appraiser may or may not need access to your home. The property evaluation will consist of:

+ Appraisal   + Title search   + Flood Zone certification

Receive Your Final Approval

After all documents are received, if you are approved, a Santander representative will contact you to discuss the final terms of approval and schedule the closing. You will be given closing options including remotely or in person at your local branch, where you will sign all applicable documents.

Rescission Period

If the line is secured by your primary residence, you will have 3 business days after signing to decide if you wish to proceed with the line and may cancel with no cost or obligation.

Receive Your Funds

Congratulations! Funds will be available for you to access by check or direct deposit on the 4th business day after closing.



To learn more or apply for a Home Equity Line:


Visit A Branch  Visit us Online   Call Us Call us 1.844.726.6849 Branch Visit your local Branch



Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © Santander Bank, N.A. All rights reserved. Santander, Santander Bank, the Flame Logo and A Bank For Your Ideas are registered trademarks of Banco Santander, S.A. All Line requests subject to approval.