Terms and conditions apply. Before you apply for a SoFi Home Loan, we’d like you to be aware that not all loan programs are available in all states. Learn more at SoFi.com/legal. SoFi Home Loans are eligible for Primary or Second Home residences. SoFi Home Loans are subject to additional credit, income, property, loan amount and other eligibility restrictions and limitations. Not all borrowers are eligible to receive our lowest rates. Product, rates, benefits, terms and conditions are subject to change without notice. Learn more at SoFi.com/eligibility. Licensed by the Department of Business Oversight under the California Financing Law, license # 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 1121636 (www.nmlsconsumeraccess.org)

✝ To check the rates and terms you 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.

¹ 30-YEAR Payment Example: The payment for a 30-year term, loan amount $300,000, Rate 2.875%, LTV 80% is $1,245 for full Principal and Interest Payments with 0 points due at closing. The Annual Percentage Rate is 2.942%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

² 20-YEAR Payment Example: The payment for a 20-year term, loan amount $600,000, Rate 2.875%, LTV 80% is $3,290 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.109%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

³ 15-YEAR Payment Example: The payment for a 15-year term, loan amount $600,000, Rate 2.75%, LTV 80% is $4,072 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.052%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

⁴ 10-YEAR Payment Example: The payment for a 10-year term, loan amount $600,000, Rate 2.50%, LTV 80% is $5,656 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.06%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

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 HL Lending May $20 Check Your Rate Promotion (“Promotion”): The Promotion is offered by SoFi Lending Corp. (dba SoFi). SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. No purchase necessary to participate. Additional terms and conditions may apply. Promotion is void where prohibited by state law.

Eligible Participants: The Promotion is open to anyone who resides within the United States and is of the age of majority in the state in which they reside. To receive a $20 bonus in the form of a gift card through the Promotion you must agree to a soft credit pull on www.SoFi.com to check your rate for one of the following SoFi products: Home Loans. Checking your rate will not affect your credit score. If you later decide to submit an application and agree to a hard credit pull your credit score may be impacted. Participants will receive the $20 bonus gift card regardless of whether or not they are pre-qualified for a SoFi loan product. Those who have already received a bonus for checking their rate on a personal loan or home loan in the 2021 calendar year are not eligible for this promotion. SoFi employees are not eligible to participate in this Promotion. Notwithstanding the above, SoFi reserves the right to exclude any consumer from participating in the Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

Promotion Period: The Promotion is available beginning at 2pm Eastern Time on July 9th, 2021 and ending 11:59 PM Eastern Time on July 27th, 2021. Participants are limited to one (1) total check your rate bonus on a personal loan or home loan in the 2021 calendar year and three (3) per household. Payout: All payouts are fulfilled by SoFi’s vendor Customer Motivators. Eligible participants will receive an email from Customer Motivators with a unique code and a link to a web page to redeem for a $20 bonus gift card.

Tax Consequences: Bonus amounts of $600 or greater in a single calendar year may 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.

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