Home Loans

Home loans
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Whether you’re buying a home or refinancing an existing mortgage, SoFi will be by your side from start to finish—making sure that the process is as quick and painless as possible, without any hidden fees or prepayment penalties.

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

Get more from
your mortgage.

Competitive rates.

Get your dream home at a great rate.

Mortgage options to choose from.

Put as little as 10% down on loan amounts up to $3 million. For conforming home loans with a loan-to-value (LTV) greater than 80%, SoFi requires PMI. However, PMI is NOT required for SoFi’s jumbo home loans, regardless of LTV.

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.

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.

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Looking to refinance?

SoFi’s mortgage refi application process is fast and easy—and never has any shady hidden fees. Choose between a traditional refi, cash-out refi, or a student loan cash-out refi.

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