✝ 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.
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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
*Home purchase or refinance mortgage discount: SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage. Members who either (1) are a SoFi Plus subscriber, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage. To be eligible for the additional $500 discount, you must meet the eligibility criteria described above at the time the home loan application is approved (indicated as “final approval”). See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
To be eligible for the standard SoFi member discount, you 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, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.
The discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type. Consult your tax advisor to determine if the discounts have any tax consequences.
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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