MORTGAGES

With a SoFi Mortgage, you’re eligible for a $1,495 credit at closing on your next home loan.^

Plus all the benefits you’ve come to expect from us.

Where is my confirmation code?

Confirmation # required

Don’t worry – checking your rate will not affect your credit score. †

Why SoFi
Mortgages?

Low down payment options

Down payments as low as 3% for first-time borrowers^, or as low as 5% for other borrowers.

^ SoFi requires Private Mortgage Insurance (PMI) for conforming conventional home loans with a loan-to-value (LTV) ratio greater than 80%. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

Flexible loan options

✓ Choose from 10-, 15-, 20-, and 30-year fixed terms5-8

Buy now, save when you refi.

Save now with special pricing* on 30-year fixed terms, and we’ll help you save again later if you refinance with no origination fee.1

Simple online application

Buying a home shouldn’t be so painful–our online application is simple, and we have dedicated Mortgage Loan Officers to guide you through the process.

Buying a home?

No need to stress. We have dedicated MLOs that can walk you through each step so that you feel confident in the home-buying process. Plus, get access to educational tools and resources when you need them.

Looking to refinance?

SoFi’s mortgage refi application process is fast. Choose between a traditional refi, cash-out refi, or a student loan cash-out refi.

Get the mortage
that works for you.

1 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.490%, LTV 80% is $2286.00 for full Principal and Interest Payments with $6791.00 due at closing. The Annual Percentage Rate is 6.732%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

2 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 6.125%, LTV 80% is $2620.00 for full Principal and Interest Payments with $6701.00 due at closing. The Annual Percentage Rate is 6.436%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

3 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.625%, LTV 80% is $2982.00 for full Principal and Interest Payments with $7490.00 due at closing. The Annual Percentage Rate is 6.045%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

4 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.625%, LTV 80% is $3951.00 for full Principal and Interest Payments with $7121.00 due at closing. The Annual Percentage Rate is 6.198%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

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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