- Conventional Loans: Sovereign Bank offers conventional loans, which are mortgage loans that are not insured or guaranteed by the government. These loans typically require a down payment of at least 3% to 20% and have fixed or adjustable interest rates.

- FHA Loans: The company provides FHA loans, which are backed by the Federal Housing Administration. These loans are designed to help borrowers with lower credit scores or limited down payment capabilities. FHA loans offer flexible eligibility criteria and competitive interest rates.

- VA Loans: Sovereign Bank offers VA loans, which are available to eligible veterans, active-duty service members, and surviving spouses. These loans are guaranteed by the Department of Veterans Affairs and offer favorable terms, including no down payment requirements and competitive interest rates.

- Jumbo Loans: The company provides jumbo loans for borrowers who need financing beyond the conforming loan limits set by Fannie Mae and Freddie Mac. These loans are suitable for purchasing or refinancing high-value properties and offer flexible terms with competitive interest rates.

- Construction Loans: Sovereign Bank offers construction loans to finance the construction of a new home. These loans provide funds during the building process and may convert to a permanent mortgage once the construction is completed. They offer flexibility in terms and disbursement schedules.

- USDA Loans: The company offers USDA loans, which are backed by the United States Department of Agriculture. These loans are intended for rural and suburban homebuyers with moderate incomes. They offer low interest rates and zero down payment options.

- Home Equity Loans: Sovereign Bank provides home equity loans, allowing homeowners to borrow against the equity they have built in their property. These loans can be used for various purposes such as home renovations, debt consolidation, or funding educational expenses.

- Reverse Mortgages: The company offers reverse mortgages for eligible homeowners aged 62 and older. This program allows homeowners to convert part of their home equity into tax-free funds without the need to sell their property or make monthly mortgage payments.

Note: Please double-check the accuracy and availability of these loan programs on the official Sovereign Bank website.