Mortgage Clauses - Santander Login You are in Personal Resources Mortgage Resources Mortgages 101 What Is A Mortgage? Buying a home is an important (and exciting) milestone, but figuring out how to pay for it can be stressful. At Santander Bank, it doesn't have to be. Our step-by-step guide covers how to get a mortgage - from prequalification to closing - to help make your home-buying experience as smooth as possible. Contact a Specialist Pre-Qualify Starting the mortgage process: Can I afford to buy a house? Can I afford to buy a house? Before you do anything else, review your monthly budget and determine what percentage of your income can be put toward housing. When you consider the decision of buying versus renting, be sure to think about: Your estimated mortgage payments The additional costs of home ownership, including maintenance and property repairs, as well as homeowner's insurance and utilities The impact of your monthly mortgage payment on your other financial goals, like education and retirement planning. The potential tax benefits of deducting your mortgage interest on your annual tax return. Consult your tax advisor. How much home can I afford? How do mortgages work? Interest rates and points Final steps in the mortgage process. I've applied for a mortgage... What happens next? 1 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 © 2021 Santander Bank, N. A. Equal Housing Lender - Member FDIC Accessibility