Mortgage Combination Loan 80-10-10

Here's how it works


80% First Mortgage

First Mortgage from Santander for 80% of your home's value.


9.99% Home Equity Line of Credit

Home Equity Line of Credit from Santander for 9.99% of your home's value.


10.01% Cash Down Payment

Cash Down Payment


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80-10-10 Combination Loan Benefits


Eliminate PMI


Eliminate PMI


Lower Your Monthly Payment


Lower Your
Monthly Payment


Put Down As Little as 10.01%


Put Down As Little
As 10.01%

Consider the possible tax deductibility this option offers.

You should consult with a tax expert to learn if the interest on your Home Equity Line of Credit is tax deductible.


The 80-10-10 Combination Loan is available for conforming mortgages.

Find out if this option works best for your personal situation.

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Bank How And When You Like

Whether it's at one of more than 675 branches, 2000+ ATMs, online, or with our Mobile Banking App, with Santander, you can bank anywhere, anytime.


Strength and Experience

Strength & Experience

Founded in Spain more than 150 years ago, Banco Santander is one of the largest and most respected financial institutionsin the world. Here in the U.S., Santander Bank, N.A. is proud to be a federally chartered national bank and a member FDIC.


Products and Services

Products & Services

With checking, savings, money market accounts, credit cards, mortgages, home equity lines of credit, personal loans and lines of credit, auto loans, small business banking, and investment guidance, we're here to help get you where you want to be – financially.


Personal Touch

A Personal Touch

We're here to listen and help you make sense of your options so you can choose the accounts and services that fit your life.

Equal Housing Lender Equal Housing Lender Santander Bank, N.A. is a Member FDIC and a wholly subsidiary of Banco Santander, S.A. © Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are registered trademarks of Banco Santander, S.A. or its affiliates or subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners.
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