Mortgages - Santander Login Welcome home Fixed Rate Mortgages Learn more Adjustable Rate Mortgage Learn more Specialized Mortgage FHA Loans and VA Loans Construction Mortgage Learn more You’ll like a Santander Specialized Mortgage If you’re looking for access to favorable homeownership terms.* Federal Housing Administration (FHA) Loan favorite feature Lower down payment options vs. a conventional mortgage. Department of Veterans Affairs (VA) Loan favorite feature Mortgage options specifically for military personnel. Specialized Mortgage benefits: Federal Housing Administration (FHA) Loans: This government-insured loan program offers lower down payment options versus a conventional mortgage. Department of Veterans Affairs (VA) Loans: Financing options specifically for qualified veterans, reservists, or active duty personnel. Make sure an FHA or VA Mortgage Loan is the best fit for you. We have a choice of mortgage options to consider. Click here to compare. Useful links and documents: Mortgages 101 Mortgage Application Guide Mortgage Calculators What you need to open a Santander FHA or VA Mortgage 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. FHA Mortgage Requirements To qualify for an FHA Loan, you must: Have a credit score of 680 or higher. Be able to prove steady employment history. Have a property appraisal from an FHA-approved appraiser. Be at least 2 years out of bankruptcy or 3 years out of foreclosure. Pay mortgage insurance up front and throughout the term of the mortgage. VA Loan Requirements In addition to credit and income requirements, you must obtain a certificate of eligibility to qualify for a VA loan. You may be eligible for a VA loan if you are: Currently on active duty A veteran A National Guard or Reserve member An eligible surviving spouse Learn more about VA loan eligibility requirements. Customers also like: Santander Prosper and ThriveSM – helpful tips, articles, and ideas. Explore valuable mortgage-related insights and information. Learn more 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. Home Terms of Use Privacy Policy Contact Us Santander Bank Account set-up About About Us Media Center Shareholder Relations Community Careers Resources Customer Service Privacy and Security FAQs Site Map Accessibility Servicemember Civil Relief Act (SCRA) Benefits Help For Homeowners Having Difficulty Paying Their Mortgage © 2020 Santander Bank, N. A. Equal Housing Lender - Member FDIC Accessibility