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Mortgage Refinance

Refinance your mortgage and save—without the hassle.

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

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Mortgage refinancing
that works for you.


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

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.

Pick the way
you want to 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

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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 →

SoFi Lending Corp. (NMLS# 1121636) is licensed to originate mortgages in Alabama, Arizona, 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, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., Wisconsin, and Wyoming.

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300+ Reviews

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

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