We are excited to announce two new loan terms for our home loan purchase and mortgage refinance loan offerings!
Learn more about the 10-year fixed rate and 20-year fixed rate options below.


10% down
100% home.

Buying a home doesn’t have to be stressful. With SoFi, you make your dream home a reality with competitive rates, no hidden fees, and as little as 10% down. And we’ll be here to help when you need it.

Find my rate Takes two minutes. Won’t affect your credit score.

provided by Zillow, 5 stars

SoFi Members are eligible to receive a one—time $500 discount on their loan processing fee.*

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Where are you in the home buying process?

I’ve just started doing some research.

Learn about the home buying process and get some useful tips.

I’ve begun considering homes to buy.

Get pre—qualified in as little as two minutes.

I’ve found my home—now I need a loan.

Check your rate, then easily apply online for a home loan.

Why SoFi


Get your dream home at a competitive rate.

Mortgage options to choose from.

Put as little as 10% down. For conforming home loans with a loan-to-value (LTV) greater than 80%, SoFi requires PMI.

Exclusive member

Save $500†† on your mortgage loan or refi processing fee—just for being a member.

Help when
you need it.

Our mortgage loan officers (MLOs) can guide you through the process.

How it works.

Applying for a mortgage with SoFi is incredibly simple with an application that can be done all online.
And if you want one-on-one assistance, our MLOs and member specialists are standing by to help.


Pre-qualify without the hassle.

It takes just two minutes to get pre-
qualified online.


Select your loan.

Find the loan that matches your financial goals and complete the application process.


Receive the funds.

Once qualified, sign your paperwork and we’ll transfer the funds.

Choose the mortgage
that’s right for you:

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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Get a competitive rate
mortgage with SoFi.

Applying is fast and easy—and it can be done entirely online.

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