Dream Big.
Pay Little.

Afford more than you imagined with as
little as 10% down on mortgages up to $3M

Find My Rates

Checking your rate will not affect your credit score.

Welcome AAPD Members, Friends & Family

Apply through this page to get $500 after becoming a SoFi mortgage borrower.

With our unique mortgage options, you can own the home you love now. Our underwriting approach may allow you to qualify for more financing than traditional lenders offer. We offer flexible down payments ranging from 10-50%, even on jumbo loans. Think of it as more house, less headache.

Get more from your mortgage

Affordable
Down Payment

Put as little as 10% down with no borrower-paid mortgage insurance required.

Painless
Pre-Qualification

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

Buy More
House

Qualify for more financing with flexible debt-to-income limits.

Member
Discount

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

No Hidden Fees,
No Catch.

No application, origination, or other lender fees.

Fast
Financing

Applications typically close in less than 30 days.

Choose the Mortgage
That Works For You

30-Year Fixed
Enjoy fixed payments that won't change over time.
Rate4
APR5
10% down.
No borrower-paid PMI.
30-year term
15-Year Fixed
Pay your loan off faster while maintaining a consistent rate and payment.
Rate4
APR5
10% down.
No borrower-paid PMI.
15-year term
7/1 ARM1
Fixed rates are at their lowest for the first seven years, then adjust yearly.
Rate4
APR5
10% down.
No borrower-paid PMI.
30-year term
5/1 ARM Interest-Only2,3
Pay interest only for the first 10 years, then pay back principal over the next 20.
Learn More
Rate4
APR5
25% down.
No borrower-paid PMI.
30-year term

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  • SoFi Lending Corp.
  • SoFi Mortgage, LLC
SoFi Lending Corp. (NMLS# 1121636) is licensed to originate mortgages 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.
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