Fixed Rate Mortgage

A fixed rate mortgage makes budget planning a snap. Traditional 15-year fixed rate mortgages and 30-year fixed rate mortgages from Santander Bank are a steady, reliable option. Because your monthly payments remain unchanged for the life of your loan, you’ll never have to worry about rising interest rates. Its predictable, no-surprises features make it a popular choice.

Current Rates

Santander Bank offers a diverse menu of conventional, jumbo, FHA/VA, fixed and adjustable rate mortgage products. The above rates are limited to properties located in CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, RI, and VT.

Fixed Rate Mortgage Features


Available in a variety of terms to fit your financial timeframe.

No Surprises

You're protected against rising interest rates for the term of your mortgage.


You'll always know exactly how much your mortgage payment will be, even years after you buy your home.

First Time Home Buyer?

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.

  • Avoid rent while creating a home that meets your needs and tastes.
  • Gain tax benefits by deducting mortgage interest and real estate property taxes on your Federal income tax returns. Consult your tax advisor.
  • Help build a strong credit history by making on-time mortgage payments.
  • Flexible income, down payment and credit guidelines.

Fixed Rate Mortgage Calculators

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All loans subject to approval

Rates are subject to the borrower meeting minimum credit score and loan-to-value requirements.

* Annual Percentage Rates (APRs) and payments are calculated assuming a 30% down payment, and a loan amount of $100,000 that closes on the last day of the month. Payment amounts do not include amounts for taxes and insurance premiums, which will cause the actual payment obligation to be greater if an escrow/impound account is established. Fees and charges that are not finance charges will apply.

¤¤You can withdraw or transfer funds from a savings or money market savings account a total of six (6) times per service fee period (such as by automatic or pre-authorized transfers using telephone, Online Banking, or Mobile Banking, Overdraft Protection, Payments to third parties, Checks, Drafts, and Debit Card purchases). Fees apply if you exceed these limits and, if you repeatedly exceed these limits, we will convert your account to a non-interest bearing checking account.