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

Mortgage refinancing
that works for you.


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

Exclusive member rate discounts.

Get a 0.125% rate discount†† on additional SoFi loans—just for being a member.

Help when you
need it.

Our mortgage loan officers (MLOs) can guide you through the process—and we have financial advisors standing by to answer any other questions.

Pick the way
you want to refinance.


Get a competitive rate without any hidden fees. SoFi makes mortgage refinancing 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 →

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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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