Terms and conditions 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. Minimum loan amount is $75,000. 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-criteria. Information current as of 11/1/23.

SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank, N.A. is currently NOT able to accept applications for refinance loans in NY.

All information in the primary residence payment examples listed above – including interest rates, payments, terms, and availability – is for informational purposes only and is subject to change without notice.

^ Offer available only for customers who begin a SoFi Home Loan application through the offer URL in the letter you received. While the $1,495 processing fee may appear within the application and on initial disclosures, the full $1,495 processing fee discount will be applied and reflected accurately on disclosures at closing. Based on regulatory requirements, the name of this fee may vary in certain states. SoFi reserves the right to change or terminate this offer at any time with or without notice.

* Special Pricing: Available only on 30-year conforming purchase transactions. Rates can vary and are not guaranteed until locked. When you lock in your rate, the purchase loan special pricing will be reflected in the rate you are provided. SoFi reserves the right to change or terminate this offer at any time with or without notice to you.

Obtain a SoFi Mortgage for the purchase of a home and SoFi will reduce your loan origination fee by $1,495 when you refinance your loan with SoFi. You must meet the following eligibility conditions: (1) You must close on your new purchase mortgage by 12/31/2024; and (2) At the time of refinancing, the interest rate for your loan (based on market rates) must be at least 1% less than the interest rate of the original purchase loan; and (3) You must request this credit at the time you apply for the refinance loan and prior to locking your rate with SoFi, and (4) The refinance transaction must close by 12/31/2025. This offer is limited to 1 refinance transaction per person. The refinance transaction must occur by 12/31/25. SoFi reserves the right to change or end this offer at any time.

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