⁹ To check the rates and terms you may 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 and may affect your credit.

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. Minimum loan amount is $75,000. 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 4/30/25.

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 purchase only for New York.

¹ To receive the $200 Application Offer you must: (1) Complete an application for a new SoFi home loan or home equity loan through the promotional link by 8/15/25. (2) Must meet SoFi’s minimum credit score threshold for mortgage lending (3) Must not have submitted a mortgage loan or home equity loan application within the preceding 90 days. (4) Have an existing SoFi Checking and Savings account or establish a new SoFi Checking and Savings account within 60 days after starting your application.

This offer cannot be combined with other offers, with the exception of the standard Member discount and the SoFi Plus Member discount. To be eligible for the SoFi Plus Member discount, the Member must establish direct deposit into their SoFi Checking/Savings account at or before the time their application is approved (indicated as “approved with conditions”). Once conditions are met, your $100 bonus will be deposited into your SoFi Checking and Savings account within approximately 30 calendar days after your application is submitted.

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 to you. Additional terms may apply.