✝ 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.

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

SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.

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^ Existing eligible SoFi members with a SoFi Personal Loan, Student Loan, or who have a minimum balance of $50,000 in their SoFi Invest accounts at the time of application, can receive a one-time $500 discount on SoFi’s $1,495 Home Loan Processing Fee on their first SoFi Home Loan. Based on regulatory requirements, the name of this fee may vary in certain states.

To be eligible for this discount, member must be in good standing with their current and prior SoFi loans. SoFi reserves the right to change or terminate this discount at any time with or without notice. For complete terms and eligibility, please visit SoFi.com/legal/#MemberRateDiscount

*Member Discount: SoFi offers a one-time standard member discount on loans originated by SoFi Bank of $500 off the standard $1,495 origination fee for first lien mortgages and $200 off the $1,295 origination fee for home equity loan or line of credit. To be eligible for the discount, a person must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, or SoFi Money or Checking/Savings account with account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. Based on regulatory requirements, the name of the origination fee may vary in certain states.

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 5/6/25.

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.

*This offer provides loan fee savings of 25% or more for eligible borrowers. Loan fees discounted include both SoFi fees and fees assessed by third parties. Fee savings applies only to mortgage refinances (excluding Jumbo). To receive the fee savings, you must apply for, be approved for, and lock your rate by 12/11/25. The discount will be reflected in the rate you are provided at the time of lock. This discount cannot be combined with other offers, with the exception of the standard $500 Member discount and the $1000 SoFi Plus Member discount. SoFi reserves the right to change or terminate this offer at any time with or without notice to you.

¹ This offer provides loan fee savings of up to 30% or more or up to $1,000 or more for eligible cash-out refinance borrowers (based on loan amount of $275,000). Loan fees discounted include both SoFi fees and fees assessed by third parties. Fee savings applies only to cash-out

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