Home Loans

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

SoFi members get a preferred rate discount of 0.125% for mortgages up to $3M.

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Checking your rate will not affect your credit score✝.

Borrow more with less money down

SoFi mortgages 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 monthly payments, take a look at our interest-only loan. Think of it as more house, less headache.

Get more from your mortgage

Affordable
Down Payments

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

Painless
Pre-Qualification

Discover the real rates you pre-qualify for online.

Buy More
House

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

Exclusive
Rates

Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member

No Hidden Fees.
No Catch.

No application or origination fees.

Fast
Financing

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.
Rate4
APR5
10% down.
No borrower-paid PMI.
30-year term
15-Year Fixed
Pay your loan off faster while maintaining a constant rate and payment.
Rate4
APR5
10% down.
No borrower-paid PMI.
15-year term
7/1 ARM1
Fix rates are at their lowest for the first seven years, then adjust yearly.
Rate4
APR5
10% down.
No borrower-paid PMI.
30-year term
5/12,3 ARM Interest-Only
Pay only interest for the first 10 years, then pay back principal over 20.
Learn More
Rate4
APR5
25% down.
No borrower-paid PMI.
30-year term
Get Your Rates in 2 Min

Where we lend

View Mortgage Licenses and Eligibility
  • SoFi Lending Corp.
  • SoFi Mortgage, LLC
SoFi loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), and through SoFi Lending Corp. NMLS #1121636, a lender licensed by states. SoFi Lending Corp. or an affiliate is licensed to originate mortgages in Alabama, Alaska, 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, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, and Wyoming. For information on SoFi Lending Corp. licenses, see Licenses.
SoFi Mortgage, LLC (NMLS# 1484615) is an affiliate of SoFi Lending Corp. that offers additional geographies and products not always available under the SoFi Lending Corp. license. SoFi Mortgage, LLC is licensed to originate mortgages in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Tennessee, Utah, Vermont, Washington, Washington, D.C., Wisconsin, and Wyoming. Products and terms may vary from those advertised on this site.
View Mortgage Licenses and Eligibility

Common Questions

See all FAQs

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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Questions? Call us for a free consultation at
844-763-4466

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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-criteria. Licensed by the Department of Business Oversight under the California Financing Law, license # 6054612. SoFi loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), and through SoFi Lending Corp., NMLS #1121636, a lender licensed by states (www.nmlsconsumeraccess.org). For information on SoFi Lending Corp. licenses see Licenses. ["Licenses" should link to: https://www.sofi.com/legal/#licenses]

✝ 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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