Mortgage Loans

Your dream home. Made possible
with as little as 10% down.

Afford more than you imagined with as
little as 10% down on mortgages up to $3M

Get your rates in 2 min

Checking your rate will not affect your credit score.

Borrow more with less money down

A mortgage from SoFi can help you buy the home you love today. Our underwriting approach may allow you to qualify for more financing than traditional lenders offer. We offer flexible down payments ranging from 10-50%, even on jumbo loans. If you’re looking for low down payment mortgage loans, take a look at our interest-only loan. Think of it as more house, less headache.

More House

Down Payments

Put as little as 10% down with no mortgage insurance required.

Buy More

Qualify for more financing with flexible debt-to-income limits.

No Fees.
No Catch.

No application, origination, or other lender fees.

Less Headache


Discover the real rates you pre-qualify for online.

Compete With
All-Cash Offers

SoFi fully underwrites borrowers at the pre-approval stage.


We’ll help you close quickly, so you can get in your new home in no time.

Choose the Mortgage
That Works For You

30-Year Fixed
Enjoy fixed payments that won't change over time.
10% down. No PMI.
30-year term
15-Year Fixed
Pay your loan off faster while maintaining a constant rate and payment.
10% down. No PMI.
15-year term
7/1 ARM1
Fix rates are at their lowest for the first seven years, then adjust yearly.
10% down. No PMI.
30-year term
7/11,2 ARM Interest-Only
Pay only interest for the first 10 years, then pay back principal over 30.
Learn More
15% down. No PMI.
40-year term
Get Your Rates in 2 Min

SoFi is licensed to originate mortgages in Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Maryland, Minnesota, Montana, New Jersey, New York, North Carolina, North Dakota, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Vermont, Virginia, Washington, Washington, D.C., Wisconsin, and Wyoming.

Get your rates in 2 min View Mortgage Licenses and Eligibility

Hear From Our Members

With a variety of mortgage options and a painless process, our members have a lot to say.

SoFi Member
“SoFi had competitive rates, excellent customer service and an easy process using the latest technologies.“

Kyle Lui

Northern California

SoFi Member
“We found out about SoFi on a Tuesday, were approved within a week and were funded less than two weeks later.“

Nicole V.

Northern California

SoFi Member
“As advertised, it took 21 days from pre-approval to closing.“

Sekuleo Gathers

New Jersey

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