SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. Equal Housing Lender.

Terms, conditions, and state restrictions apply. Before you apply for a SoFi Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount. SoFi Mortgages may be available for primary or second home residences or investment properties. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility. Information current as of 12/18/25.

SoFi Mortgages may be originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC) and through SoFi Lending Corp., NMLS #1121636. SoFi Lending Corp. is licensed by the Department of Financial Protection and Innovation under the California Financing Law (License #6054612) and by other states. For more information on SoFi Lending Corp. licenses, see Licenses. Equal Housing Lender.

^ $500 SoFi Home Loan or Mortgage Refinance Bonus Offer: Terms and conditions apply. Offer is subject to lender approval. The offer is only open to new SoFi Home Loan and Mortgage Refinance borrowers and may not be combined with other offers with the exception of the $500 mortgage processing fee discount. To receive the offer, you must: (1) register and apply through the promotion link for a SoFi Home Loan or Mortgage Refinance and lock your rate ; (2) meet SoFi’s underwriting criteria and fund on your home loan or mortgage refinance; (3) and have or open a SoFi Checking and Savings account within 60 days after starting a home loan application. Once conditions are met, your $500 welcome bonus will be deposited into your SoFi Checking and Savings account within approximately 30 calendar days after earning the bonus. If you do not qualify for the SoFi Checking and Savings Account, SoFi will offer payment via ACH transfer pending completion of a W9 form. Bonuses that are not redeemed within 60 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.

✝ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

†† SoFi customers (“members”) may be eligible for a Member Rate and/or a $500 Loan Processing Fee Discount ($1,495 Non Member) on certain loan types if they meet the eligibility criteria and any other applicable terms and conditions. SoFi reserves the right to discontinue or modify the Member Rate and/or Loan Processing Fee Discounts at any time and without notice. Such changes or modifications will only apply to applications begun after the effective date of the change. If you’ve got questions about how we do our thing, we’ve got answers in our FAQs.

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