We do the math. You do the dream-home shopping.

Terms and conditions apply. Before you apply for a SoFi Home Loan, we’d like you to be aware that not all loan programs are available in all states. Learn more at SoFi.com/legal. SoFi Home Loans are eligible for Primary or Second Home residences. SoFi Home Loans are subject to additional credit, income, property, loan amount and other eligibility restrictions and limitations. Not all borrowers are eligible to receive our lowest rates. Product, rates, benefits, terms and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Licensed by the Department of Business Oversight under the California Financing Law, license # 6054612. SoFi loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), and through SoFi Lending Corp., NMLS #1121636, a lender licensed by states (www.nmlsconsumeraccess.org). For information on SoFi Lending Corp. licenses see Licenses. ["Licenses" should link to: https://www.sofi.com/legal/#licenses]

✝ 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.

1 The payment for a 30-year term, loan amount $600,000, Rate 3.25%, LTV 80% is $2,611 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.418%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

2 The payment for a 20-year term, loan amount $600,000, Rate 2.875%, LTV 80% is $3,290 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.109%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

3 The payment for a 15-year term, loan amount $600,000, Rate 2.75%, LTV 80% is $4,072 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.052%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

4 The payment for a 10-year term, loan amount $600,000, Rate 2.50%, LTV 80% is $5,656 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.06%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

All information in the payment examples listed above-including interest rates, payments, terms and availability-are for example purposes only and are subject to change without notice.

The information provided by this calculator is for illustrative purposes only and does not constitute an offer to lend. This calculator estimates a monthly payment based on user input and may not take into consideration other charges such as HOA dues, Mello Roos, Flood Insurance and more. Defaulted rates shown are hypothetical in nature and may not reflect actual interest rates offered. Results do not reflect all loan types and are subject to individual program limits.

Even though you may qualify for the amount listed above, it may not be suitable for you. You should review your personal situation, and work with your financial advisor, to decide how much you can comfortably afford to borrow. Subject to individual program loan limits. Your debt-to-income ratio is calculated by adding up all of your monthly debt payments and dividing them by your gross monthly income. Your gross monthly income is generally the amount of money you have earned before your taxes and other deductions are taken out. For example, if you pay $1500 a month for your mortgage and another $100 a month for an auto loan and $400 a month for the rest of your debts, your monthly debt payments are $2000. ($1500 + $100 + $400 = $2,000.) If your gross monthly income is $6000, then your debt-to-income ratio is 33 percent ($2000 is 33% of $6000).

Results of the mortgage affordability estimate/pre qualification are guidelines; the estimate is not an application for credit and results do not guarantee loan approval or denial.