Mortgage

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 4.50%, LTV 80% is $3,040 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 4.67%. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

2 The payment for a 15-year term, loan amount $600,000, Rate 4.00%, LTV 80% is $4,438 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 4.29%. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

3 The initial payment for a 30 year term, loan amount $600,000 on a 7/1 ARM, Rate 3.50%, LTV 80% is $2,694 for full Principal and Interest Payments with 2 points due at closing. The Annual Percentage Rate is 3.7883%. After the initial 7 years, your interest rate can change annually and is subject to an initial interest rate cap of 5.00%, an annual rate cap of 2.00% and a lifetime cap of 5.00%. At first adjustment, the interest rate cannot increase above 8.50% or decrease below the loan margin of 2.25%. If the interest rate reached the lifetime cap of 8.50% on initial rate adjustment and amortization, your payment would be $3,858. Actual payment amounts will vary after the 7th year based on annual interest rate caps or the fully indexed rate which is loan margin plus current value of 1-year LIBOR at 2.75% on 5/1/19. Payment shown does not include taxes and insurance. The actual payment amount will be greater.

4 The initial payment for a 30 year term, loan amount $600,000 on a 5/1 ARM with Interest Only Payment Option in the first 10 years, Rate 3.75%, LTV 75% is $2,779 for full Principal and Interest Payments and $1,875 for Interest Only Payment Option with 2 points due at closing. The Annual Percentage Rate is 3.912%. After the initial 5 years, your interest rate can change annually and is subject to an initial interest rate cap of 3.00%, an annual rate cap of 2.00% and a lifetime cap of 5.00%. At first adjustment, the interest rate cannot increase above 6.75% or decrease below the loan margin of 2.25%. If the interest rate reached the lifetime cap of 8.75% and no principal reduction was made after the first 10 years, your payment would be $5,302 assuming a remaining term of 20 years with full Principal & Interest Payments. Actual payment amounts will vary after the 5th year based on annual interest rate caps or the fully indexed rate which is loan margin plus current value of 1-year LIBOR at 2.75% on 5/1/19. 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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