HOME Program

The H.O.M.E. Program can help get you in the door.

The Home Ownership Made Easy (H.O.M.E.) Program provides buyers with limited funds access to a low-down-payment mortgage. With no borrower funds required on single-unit residences, down payments as low as 3% on other residences, and the ability to use gift and alternative funds, the Santander H.O.M.E. Program helps make the dream of home ownership available to more customers.

H.O.M.E. Program Advantages

Gift and alternative funding eligible

Gift and alternative funding eligible

Low Down Payment

Low Down Payment

Homebuyer Education

Homebuyer Education

The steps to home ownership aren’t so steep:

  • No borrower funds required on single-unit residences and down payments as low as 3% for two-to four-unit residences.
     
  • Remaining down payment may use gift funds from a relative, unsecured loans or grants from a governmental agency, or a secured loan that complies with Fannie Mae guidelines.
     
  • No income limits for borrowers living in low-income census locations. Visit Fannie Mae to see borrower eligibility.
     
  • Homebuyer education is required on all loans.

Contact a Santander Mortgage specialist to explore this affordable, flexible, and exceptional program.

Ready to Take The Next Step

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All loans subject to approval
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