Mortgage Refinance

Refinance your mortgage and save—without the hassle.

Confirmation # required

Takes two minutes. Won’t affect your credit score.✝

Pick the way
you want to refinance.

Refinance

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

Get started →

Cash-out Refinance

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

Get started →

Student Loan Cash-out Refinance

Save money on your mortgage—all while leveraging home equity to pay off existing student debt. Talk about a win-win!

Get started →

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.

Find my rate

Mortgage refinancing
that works for you.

Competitive
rates.

Keep even more money in your pocket thanks to our low, competitive rates.

Exclusive
member discount.

Save $500†† on your mortgage loan or refi processing fees—just for being a member.

Help when you
need it.

Our mortgage loan officers (MLOs) can guide you through the process—and we have member specialists standing by to answer any other questions.

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Choose the mortgage
that’s right for you:

Where we lend:

View mortgage licenses and eligibility

SoFi Lending Corp. (NMLS# 1121636) is licensed to originate mortgages in Alabama, Alaska, sArizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Jersey, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., Wisconsin, and Wyoming.

View mortgage licenses and elgibility

Refinance your way to a better
mortgage with SoFi and save.

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. Licensed by the Department of Business Oversight under the California Financing Law, license # 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636 (www.nmlsconsumeraccess.org).

✝ 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.

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