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-criteria Information current as of 2/3/23.
SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank, N.A. is currently able to issue and refinance mortgages in all states except Hawaii and purchase only for New York.
^ $1,000 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 by 12/31/24; (2) lock your home loan rate with SoFi by 1/14/24 and fund your home loan or mortgage refinance loan; (3) have a SoFi Money account or have or open a SoFi Checking and Savings account within 60 days after starting a home loan application; and (4) meet SoFi’s underwriting criteria. Once conditions are met, your $1,000 welcome bonus will be deposited into your SoFi Checking and Savings or SoFi Money account within approximately 30 calendar days after earning the bonus. Eligible participants who have SoFi Checking and Savings accounts will receive the bonus within a SoFi Checking account. If the participant has a SoFi Money cash management account, and does not have a SoFi Checking and Savings account, the bonus will be deposited to SoFi Money. 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.
†† Existing eligible SoFi members with a SoFi Personal Loan, Student Loan, or who have a minimum balance of $50,000 in their SoFi Invest accounts at the time of application, can receive a one-time $500 discount on SoFi’s $1,495 Home Loan Processing Fee on their first SoFi Home Loan. Based on regulatory requirements, the name of this fee may vary in certain states.
To be eligible for this discount, member must be in good standing with their current and prior SoFi loans. SoFi reserves the right to change or terminate this discount at any time with or without notice. For complete terms and eligibility, please visit SoFi.com/legal/#MemberRateDiscount.