Takes minutes. Won’t affect your credit score.✝
Get a competitive rate without any hidden fees. SoFi makes applying for mortgage refinance easy—so you can start saving on your home right away.
90% LTV Maximum
Turn your home equity into cash. SoFi’s cash-out refi option can be helpful for situations like high-interest debt consolidation, home renovations, and more.
80% LTV Maximum
Save money on your mortgage—all while leveraging home equity to pay off existing student debt. Talk about a win-win!
No matter what your reasons for refinancing may be, SoFi can help you save money—and make sure the process is as stress-free and transparent as possible. Plus, there are never any hidden fees.
Keep even more money in your pocket thanks to our low, competitive rates.
Save $500†† on your mortgage loan or refi processing fees—just for being a member.
Our Mortgage Loan Officers (MLOs) can guide you through the process—and we have member specialists standing by to answer any other questions.
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/#mortgage-licenses. SoFi Home Loans are eligible for Primary or Second Home residences or investment properties. SoFi Home Loans are subject to additional credit, income, property, loan amount, and other eligibility restrictions and limitations. Lowest rates reserved for the most creditworthy borrowers. Product, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility. Information current as of . Licensed by the Department of Financial Protection and Innovation under the California Financing Law, license #6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), NMLS #1121636 (www.nmlsconsumeraccess.org). Equal Housing Lender.
1 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 7.000%, LTV 80% is $2408.00 for full Principal and Interest Payments with $7168.00 due at closing. The Annual Percentage Rate is 7.260%. 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 6.875%, LTV 80% is $2779.00 for full Principal and Interest Payments with $7131.00 due at closing. The Annual Percentage Rate is 7.210%. 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 6.250%, LTV 80% is $3104.00 for full Principal and Interest Payments with $7540.00 due at closing. The Annual Percentage Rate is 6.678%. 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 6.125%, LTV 80% is $4042.00 for full Principal and Interest Payments with $6878.00 due at closing. The Annual Percentage Rate is 6.686%. 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.