Mortgage Refinancing

Refinance your way
to a better mortgage.

Get Your Rates in 2 Min

Checking your rates will not affect your credit score.

Mortgage Refinancing
That Works For You

Refinance

Get a competitive rate without the headache. SoFi makes mortgage refinancing easy, so you can start saving on your home right away.

80% LTV Maximum

Get Started

Cash-Out Refinance

Turn your home equity into cash. SoFi's cash-out refi option is perfect for high-interest debt consolidation, home renovations, and more.

65% LTV Maximum

Get Started

Student Loan Payoff Refinance

Refinance your mortgage at a lower rate and leverage home equity to pay off student debt—all at once. SoFi is a Fannie Mae approved lender.

80% LTV Maximum

Learn More

Why SoFi?

Painless
Pre-Qualification

See the rates you pre-qualify for online in just two minutes.

Fast
Financing

Applications typically close in less than 30 days.

No
Origination Fees

No application, origination, or other lender fees. No pre-payment penalties.

Member
Discount

Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.

Get Your Rates in 2 Min

Choose Your Term

30-Year Fixed
Enjoy fixed payments that won't change over time.
Rate4
APR5
30-year term
15-Year Fixed
Pay your loan off faster while maintaining a consistent rate and payment.
Rate4
APR5
15-year term
7/1 ARM1
Fixed rates are their lowest for the first seven years, then adjust yearly.
Rate4
APR5
30-year term
5/12,3 ARM Interest-Only
Pay only interest for the first 10 years, then pay back principal over 20.
Learn More
Rate4
APR5
30-year term
  • SoFi Lending Corp.
  • SoFi Mortgage, LLC
SoFi Lending Corp. (NMLS# 1121636) is licensed to originate mortgage refinancing in Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Maryland, Minnesota, Montana, Nevada, New Jersey, New York, North Carolina, North Dakota, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Vermont, Washington, Washington, D.C., Wisconsin, and Wyoming.
SoFi Mortgage, LLC (NMLS# 1484615) is an affiliate of SoFi Lending Corp. that offers additional geographies and products not always available under the SoFi Lending Corp. license. SoFi Mortgage, LLC is licensed to originate mortgages in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Texas, Tennessee, Vermont, Washington, Washington, D.C., Wisconsin, and Wyoming. Products and terms may vary from those advertised on this site.
View Mortgage Licenses and Eligibility

Hear From Our Members

With a variety of mortgage options and a painless process, our members have a lot to say.

SoFi Member
“SoFi had competitive rates, excellent customer service and an easy process using the latest technologies.“

Kyle Lui

Northern California

SoFi Member
“We found out about SoFi on a Tuesday, were approved within a week and were funded less than two weeks later.“

Nicole V.

Northern California

SoFi Member
“As advertised, it took 21 days from pre-approval to closing.“

Sekuleo Gathers

New Jersey

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Questions? Call us for a free consultation at 844-763-4466.

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