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Home sweet loan.

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.

EZApplySM

Pre-qualify quickly and easily.

Start or check the status of your application.

Types of mortgage solutions to consider:

Key benefits:

If you like knowing exactly how much your payments will be every month, then consider a fixed-rate mortgage when buying a house. With a fixed-rate mortgage, your principal and interest payments remain the same for the entire life of your loan. The most popular type of home loan, it’s a great option if you plan to stay in your home for a number of years.

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.
 

Key benefits:

An ARM typically offers a lower interest rate than a fixed-rate mortgage for the first several years and then adjusts semi-annually for the remainder of your mortgage term.

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.
 

Key benefits:

If you meet certain requirements, you may qualify for a Federal Housing Administration (FHA) or a Department of Veterans Affairs (VA) loan. Insured or guaranteed by the U.S. government, these popular loan options feature lower down payments and a variety of interest rate options to fit your budget.

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.
 

Key benefits:

Whether you’re building your dream house from the ground up or buying one that’s already under construction, we can help you finance your project.

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.
 

Types of mortgage solutions to consider:

Key benefits:

If you like knowing exactly how much your payments will be every month, then consider a fixed-rate mortgage when buying a house. With a fixed-rate mortgage, your principal and interest payments remain the same for the entire life of your loan. The most popular type of home loan, it’s a great option if you plan to stay in your home for a number of years.

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.
 

Key benefits:

An ARM typically offers a lower interest rate than a fixed-rate mortgage for the first several years and then adjusts semi-annually for the remainder of your mortgage term.

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.
 

Key benefits:

Insured or guaranteed by the federal government and featuring a variety of rate options, a specialized

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.

 
Calculator

Mortgage Calculators

Do the math:
  • How much you can afford to borrow.
  • What your mortgage payments may be.
  • Renting vs. buying.
Learn More
Calculator

Mortgage Guide

Help following the process from A to Z.

Learn More

Calculator

Mortgage 101

  • Find answers to your mortgage loan questions.
  • Detailed explanations of the different types of mortgages.
  • Guidance on determining how much you can borrow.
Learn More
Calculator

Prosper and Thrive

Explore valuable home-buying related insights and information.

Learn More

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 500 branches across the Northeast.
  • An A+ Better Business Bureau Rating.

 

Highly rated Mobile Banking App.

mobile banking app device mobile banking app rating

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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