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.

Mortgage

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.✝

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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
mortgages?

Competitive
rates.

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
discount.

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.

1

Pre-qualify without the hassle.

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

2

Select your loan.

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

3

Receive the funds.

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

Choose the mortgage
that’s right for you:

Where we lend:

View mortgage licenses and eligibility

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.

View mortgage licenses and elgibility

300+ Reviews

See all reviews →

Get a competitive rate
mortgage with SoFi.

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

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., 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 The payment for a 30-year term, loan amount $600,000, Rate 3.25%, LTV 80% is $2,611 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.418%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

2 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 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 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 payment examples listed above-including interest rates, payments, terms and availability-are for example purposes only and are subject to change without notice.

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