Home Equity Line of Credit

Thank you for choosing Santander Bank for your credit needs. Let's Get Started!

The application should take approximately 10-15 minutes to complete.
Please note that a Home Equity Line of Credit is available to residents in the following states:
NH, CT, DC, DE, RI, MA, ME, NY, NJ, PA, MD, and VT.

What you will need


  • Social Security Number

  • Employment information

  • Income information

How can we contact you?

Please tell us your name and the best way to reach you. The information will only be used to support this application.

  • Please enter your first name.

  • Please enter your last name.

  • Format ###-###-####

  • Please enter an email address.

If you have an Offer Code, please enter it here:
Are you applying with a co-applicant?

How to reach your co-applicant

Please tell us the name and best way to reach your co-applicant. The information will only be used to support this application.

  • Please enter your first name.

  • Please enter your last name.

  • Format ###-###-####

  • Please enter an email address.

Please check reCAPTCHA

If you have any questions with your application, please call us at 844-726-6849

Hi , we first need to ask a few questions about yourself and your home.

YOURSELF

Click to Expand +
Click to Collapse -

Please tell us a little more about yourself and how we may contact you for matters relating to the Home Equity Line Credit you are applying for.

Please enter your first name.
Please enter your middle name.
Please enter your last name.
You must be at least 18 years of age to apply. Format ##/##/####
Format ###-###-####
Please select a Phone Type.
Format ###-###-####
Please select your country.
Please select resident status.
Format ###-##-####
Please enter a valid email address.
Email Address doesn't match the above email address.

YOUR HOME

Click to Expand +
Click to Collapse -

Please provide the address that you consider your primary residence, as we may send information relating to this application to this location. Please note that this must be a physical address – PO boxes cannot be used.

Please enter your street address. Address Format (Number Street Name Type).
Please enter a valid zipcode.
Please enter a city.
Please select your state.
Please select residence status.
Please enter the monthly payment.
Please enter the provider name.
Format ##/####

Former Address

Please enter your street address.
Please enter valid a zipcode.
Please enter a city.
Please select your state
Please select residence status.
Format ##/####

CO-APPLICANT

Click to Expand +
Click to Collapse -

Please tell us a little more about yourself and how we may contact you for matters relating to the Home Equity Line of Credit you are applying for.

Please enter your first name.
Please enter your middle name.
Please enter your last name.
You must be at least 18 years of age to apply. Format ##/##/####
Format ###-###-####
Please select a Phone Type.
Format ###-###-####
Please select your country.
Please select resident status.
Format ###-##-####
Please enter a valid email address.
Email Address doesn't match the above email address.

CO-APPLICANT HOME

Click to Expand +
Click to Collapse -

Please provide the address that you consider your primary residence, as we may send information relating to this application to this location. Please note that this must be a physical address – PO boxes cannot be used.

Is Co-Applicant address the same as the Primary Applicant?
  
Please enter your street address.
Please enter a valid zipcode.
Please enter a city.
Please select your state
Please select residence status.
Format ##/####

Former Address

Please enter your street address.
Please enter a valid zipcode.
Please enter a city.
Please select your state.
Please select residence status.
Format ##/#### Former Address move in date should be less than current move in date.

Thank you , for providing your Personal information.
Now we need to ask a few more questions about your employment and income.

YOUR CURRENT EMPLOYMENT AND INCOME

Click to Expand +
Click to Collapse -

Please tell us about your current employment status and any income from this source. We may use this information to validate your employment status.

Please enter your Employer's Name.
Format ###-###-####
Format ##/####
Please enter your occupation.
Please select an option.

Your Prior Employment

You indicated you have worked in your current job for less than two years or are retired. Please tell us about your prior employment.

Please select former Employment status.
Please enter your Previous Employer's Name.
Format ##/#### Start date should be less than end date & current start date.
Format ##/#### End date should be before current start date. End date should be after start date.
Please enter your occupation.

YOUR ADDITIONAL INCOME

Click to Expand +
Click to Collapse -

Please provide any additional income information that you want to be considered for this application. If you are applying with a co-applicant, their income should not be included here, as this will be provided later. You do not have to reveal information for child support, alimony or separate maintenance unless you want the Bank to consider it when evaluating this application.

CO-APPLICANT CURRENT EMPLOYMENT AND INCOME

Click to Expand +
Click to Collapse -

Please tell us about your current employment status and any income from this source. We may use this information to validate your employment status.

Please enter your Employer's Name.
Format ###-###-####
Format ##/####
Please select an option.
Please enter your occupation.
Please select an option.

Co-Applicant Prior Employment

You indicated you have worked in your current job for less than two years or are retired. Please tell us about your prior employment.

Please select former Employment status.
Please enter your Previous Employer's Name.
Format ##/#### Start date should be less than end date & current start date.
Format ##/#### End date should be before current start date. End date should be after start date.
Please enter your occupation.

CO-APPLICANT ADDITIONAL INCOME

Click to Expand +
Click to Collapse -

Please provide any additional income information that you want to be considered for this application. This should not include any income that has already been added by the primary applicant. You do not have to reveal information for child support, alimony or separate maintenance unless you want the Bank to consider if when evaluating this application.

We are almost there, .
We just need to ask a few more questions in order to complete your application.

YOUR LOAN

Click to Expand +
Click to Collapse -

Please tell us more about the Home Equity Line of Credit you are requesting.

How would you prefer to make your payments?
   Please select an option.
Please enter the Payoff Amount from $10,000 to $750,000
Please select an Primary Loan purpose.
Are you interested in a better rate by making your payments from a Santander account?
   Please select an option.
Please select an account type.
Please enter an Account Number

YOUR REQUESTED PAYOFF

Click to Expand +
Click to Collapse -

Will you be paying off a loan or other debt with proceeds from this loan?
   Please select an option.
Please select proceeds.
Please enter a Balance 1.
Please enter a Creditor Name 1.
Please enter a Monthly Payment Amount 1.

Please enter a Balance 2.
Please enter a Creditor Name 2.
Please enter a Monthly Payment Amount 2.

Please enter a Balance 3.
Please enter a Creditor Name 3.
Please enter a Monthly Payment Amount 3.

Please enter a Balance 4.
Please enter a Creditor Name 4.
Please enter a Monthly Payment Amount 4.

YOUR COLLATERAL DETAILS

Click to Expand +
Click to Collapse -

Property held in trust?
   Please select an option.
Property subject to life estate interest?
   Please select an option.
Is the applicant's primary address the property being used as collateral?
   Please select an option.
Please enter Address.
Address Format (Number Street Name Type).
Please enter a valid zipcode.
Please enter a city.
Please select your state.
Please enter current market value.
Please enter purchase price.
Format ##/####
Please enter 4 digits (YYYY).
Please select a property type.
Please select number of units owned.
Please select Construction Method.
Please select Occupancy Type.
Please enter Legal Owner 1.
Please enter Legal Owner 2.

YOUR PROPERTY COSTS

Click to Expand +
Click to Collapse -

Please enter mortgage holder.
Please enter mortgage balance.
Please enter monthly mortgage payment.
Please enter Annual Homeowner Insurance Policy .
Other mortgages/liens on property?
   Please select an option.
Please enter Additional mortgage holder.
Please enter Additional balance.
Please enter Additional monthly payment.

REGULATORY QUESTIONS

Click to Expand +
Click to Collapse -

Please answer the following questions, which helps us protect the bank and all of our customers.

YOURSELF

Have you or an immediate family member or a close associate held any of the following positions?
  • A current or former senior official in the executive, legislative, administrative, military, or judicial branches of a government, whether or not they are or were elected officials?
  • A senior official of a major political party or a senior executive of a government-owned commercial enterprise, including a corporation, business or other entity formed by or for the benefit of such an individual?
   Please select an option
Please select type of position.
Please explain
Are you an officer, shareholder or owner of an exchange house, money transmitter, casino or gambling establishment?
  
Please select an option
Please explain

CO-APPLICANT

Have you or an immediate family member or a close associate held any of the following positions?
  • A current or former senior official in the executive, legislative, administrative, military, or judicial branches of a government, whether or not they are or were elected officials?
  • A senior official of a major political party or a senior executive of a government-owned commercial enterprise, including a corporation, business or other entity formed by or for the benefit of such an individual?
   Please select an option
Please select type of position.
Please explain
Are you an officer, shareholder or owner of an exchange house, money transmitter, casino or gambling establishment?
  
Please select an option
Please explain

DISCLOSURES

Click to Expand +
Click to Collapse -

Electronic Communications and General Home Equity Information Disclosures

I agree with the following:

  • I have read and consent to the Electronic Communications disclosure and I have the required hardware and software
  • I have received the General Home Equity Information and Attachment to the General Home Equity Information disclosures

Accepted

View and Accept

Important Notices

By providing any telephone number to Santander, I/we consent to receive prerecorded/artificial voice messages and/or an automatic telephone dialing system by or on behalf of Santander while servicing or collecting my/our account, as the law allows, even if for a cellular telephone and/or use by Santander of the number, results in charges to you.

Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. The information you provide for this application will assist us in verifying your identity. However, we may ask you to provide additional information or documents for identity verification purposes.

CREDIT HISTORY AUTHORIZATION

Click to Expand +
Click to Collapse -

CREDIT HISTORY AUTHORIZATION - YOURSELF

Your checking of this box indicates authorization for us to obtain your credit history. You authorize any recipient of your authorization to provide to Lender and/or its vendors and other agents any and all information and documentation that may be requested. Such information includes, but is not limited to, employment and income history, bank and similar account balance history, credit history, copies of tax returns and W-2's, insurance information and loan payoff information. Your checking of this box also indicates your express consent to Santander's use of prerecorded/artificial voice messages and/or an automatic telephone dialing system while servicing or collecting your account, as the law allows. In doing so, you agree that Santander and any assignee of the promissory note or agreement may use any telephone number you provide, including any number provided on this credit application, even if for a cellular telephone and/or Santander's use of the number results in charges to you.

INFORMATION FOR GOVERNMENT MONITORING

Click to Expand +
Click to Collapse -

INFORMATION FOR GOVERNMENT MONITORING (Applicant)

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for “Ethnicity” and one or more designations for “Race”. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to provide some or all of this information, please check below.

I do not wish to provide this information
Ethnicity
Hispanic or Latino
Mexican
Puerto Rican
Cuban
Other Hispanic or Latino -
Examples: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, etc.
Not Hispanic or Latino
I do not wish to provide this information
Plase select an Ethnicity

Race
American Indian or Alaska Native -
Asian
Asian Indian
Chinese
Filipino
Japanese
Korean
Vietnamese
Other Asian -
Examples: Hmong, Laotian, Thai, Pakistani, Cambodian, etc.
Black or African American
Native Hawaiian or Other Pacific Islander
Native Hawaiian
Guamanian or Chamorro
Samoan
Other Pacific Islander -
Examples: Fijian, Tongan, etc.
White
I do not wish to provide this information
Plase select a Race

Sex
Male
Female
I do not wish to provide this information
Plase select a Sex

PRIMARY BRANCH

Click to Expand +
Click to Collapse -

Please select the branch where you would prefer to close your Home Equity Line Of Credit.

Recommended Branch

Santander Branch

Need to change ZIP Code?
Please enter a valid zipcode

Additional Branches

Santander Branch


Santander Branch

SUMMARY

Personal Information

Yourself

  • Title:
  • First Name:
  • Middle Name:
  • Last Name:
  • Suffix:
  • Primary Phone:
  • Primary Phone Type:
  • Secondary Phone:
  • Secondary Phone Type:
  • Country of Citizenship:
  • Resident Status:
  • Social Security Number:
  • Date of Birth:
  • Email Address:

Your Home

  • Street Address 1:
  • Street Address 2:
  • Zip Code:
  • City:
  • State:
  • Residence Status:
  • Monthly mortgage or Rent:
  • Who is your Mortgage Provider or Landlord?
  • Moved in Date:

Former Address

  • Street Address 1:
  • Street Address 2:
  • Zip Code:
  • City:
  • State:
  • Residence Status:
  • Moved in Date:

Co-Applicant

  • Title:
  • First Name:
  • Middle Name:
  • Last Name:
  • Suffix:
  • Primary Phone:
  • Primary Phone Type:
  • Secondary Phone:
  • Secondary Phone Type:
  • Country of Citizenship:
  • Resident Status:
  • Social Security Number:
  • Date of Birth:
  • Email Address:

Co-Applicant Home

  • Street Address 1:
  • Street Address 2:
  • Zip Code:
  • City:
  • State:
  • Residence Status:
  • Moved in Date:

Former Address

  • Street Address 1:
  • Street Address 2:
  • Zip Code:
  • City:
  • State:
  • Residence Status:
  • Moved in Date:

Financial Information

Your Current Job

  • What is your current employment status? :
  • Employer Name:
  • Phone:
  • Started Date:
  • Occupation :
  • How would you like to provide your job income?
  • What is the amount before taxes? :

Former Employer

  • Employment Status:
  • Employer Name:
  • Started Date:
  • End Date:
  • Occupation :

Your Income

Additional Income

  • Source of this Income:
  • How would you like to provide your job income?
  • What is the amount before taxes? :

Co-Applicant Current Job

  • What is your current employment status? :
  • Employer Name:
  • Phone:
  • Started Date:
  • Occupation :
  • How would you like to provide your job income?
  • What is the amount before taxes? :

Former Employer

  • Employment Status:
  • Employer Name:
  • Started Date:
  • End Date:
  • Occupation :

Co-Applicant Income

Additional Income

  • Source of this Income:
  • How would you like to provide your job income?
  • What is the amount before taxes? :

Additional Information

Your Loan

  • How would you prefer to make your payments?
  • Requested loan amount:
  • Primary Loan purpose:

Your Requested Payoff

  • Will you be paying off a loan or other debt with proceeds from this loan?

YOUR COLLATERAL DETAILS

  • Property Type?
  • Construction Method
  • Number of units owned:
  • Occupancy Type:
  • Is the applicant's primary address the property being used as collateral?
  • Property held in trust?
  • Property subject to life estate interest?
  • Legal owner 1:
  • Legal owner 2:
  • Legal owner 3:
  • Legal owner 4:
  • Address:
  • Zip Code:
  • City/Town:
  • State:
  • Month and Year purchased (MM/YYYY):
  • Year Built (YYYY):
  • Purchase price:
  • Current market value:

YOUR PROPERTY COSTS

  • Mortgage holder:
  • Mortgage balance:
  • Monthly mortgage payment:
  • Annual Homeowner Insurance Policy :
  • Other mortgages/liens on property?
  • Additional mortgage holder:
  • Additional monthly payment:
  • Additional balance:
  • Annual Condo Association Fees (if any):
  • Annual taxes (if not in mortgage payment):

Regulatory Questions

  • Have you or an immediate family member or a close associate held any of the following positions:
    • A current or former senior official in the executive, legislative, administrative, military, or judicial branches of a government, whether or not they are or were elected officials?
    • A senior official of a major political party or a senior executive of a government-owned commercial enterprise, including a corporation, business or other entity formed by or for the benefit of such an individual?
  • If yes, please provide the type of position:
  • If yes, Please explain:
  • Are you an officer, shareholder or owner of an exchange house, money transmitter, casino or gambling establishment?
  • If yes, Please explain:

Co Applicant Regulatory Questions

  • Have you or an immediate family member or a close associate held any of the following positions:
    • A current or former senior official in the executive, legislative, administrative, military, or judicial branches of a government, whether or not they are or were elected officials?
    • A senior official of a major political party or a senior executive of a government-owned commercial enterprise, including a corporation, business or other entity formed by or for the benefit of such an individual?
  • If yes, please provide the type of position:
  • If yes, Please explain:
  • Are you an officer, shareholder or owner of an exchange house, money transmitter, casino or gambling establishment?
  • If yes, Please explain:

DISCLOSURES

    Electronic Communications and General Home Equity Information Disclosures

      I agree with the following:

    • I have read and consent to the Electronic Communications disclosure and I have the required hardware and software
    • I have read the General Home Equity Information disclosure
    ACCEPTED

    Important Notices:

    • By providing any telephone number to Santander, I/we consent to receive prerecorded/artificial voice messages and/or an automatic telephone dialing system by or on behalf of Santander while servicing or collecting my/our account, as the law allows, even if for a cellular telephone and/or use by Santander of the number, results in charges to you.
    • Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. The information you provide for this application will assist us in verifying your identity. However, we may ask you to provide additional information or documents for identity verification purposes.

Credit History Authorization

    Your checking of this box indicates authorization for us to obtain your credit history. You authorize any recipient of your authorization to provide to Lender and/or its vendors and other agents any and all information and documentation that may be requested. Such information includes, but is not limited to, employment and income history, bank and similar account balance history, credit history, copies of tax returns and W-2's, insurance information and loan payoff information. Your checking of this box also indicates your express consent to Santander's use of prerecorded/artificial voice messages and/or an automatic telephone dialing system while servicing or collecting your account, as the law allows. In doing so, you agree that Santander and any assignee of the promissory note or agreement may use any telephone number you provide, including any number provided on this credit application, even if for a cellular telephone and/or Santander's use of the number results in charges to you.

    AUTHORIZED

Co Applicant Credit History Authorization

    Your checking of this box indicates authorization for us to obtain your credit history. You authorize any recipient of your authorization to provide to Lender and/or its vendors and other agents any and all information and documentation that may be requested. Such information includes, but is not limited to, employment and income history, bank and similar account balance history, credit history, copies of tax returns and W-2's, insurance information and loan payoff information. Your checking of this box also indicates your express consent to Santander's use of prerecorded/artificial voice messages and/or an automatic telephone dialing system while servicing or collecting your account, as the law allows. In doing so, you agree that Santander and any assignee of the promissory note or agreement may use any telephone number you provide, including any number provided on this credit application, even if for a cellular telephone and/or Santander's use of the number results in charges to you.

    AUTHORIZED

INFORMATION FOR GOVERNMENT MONITORING (Applicant)

    The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for “Ethnicity” and one or more designations for “Race”. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to provide some or all of this information, please check below.

  • I do not wish to provide this information:

INFORMATION FOR GOVERNMENT MONITORING (Co-Applicant)

    The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for “Ethnicity” and one or more designations for “Race”. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to provide some or all of this information, please check below.

  • I do not wish to provide this information: