Home Loans

There's a better
way to mortgage.

New Purchase Refinance

Checking your rates will not affect
your credit score.

Get pre-qualified online and in minutes

Whether you’re looking to buy or refinance your dream home, we’re here to help you save. Our underwriting approach may help you qualify for more financing than traditional lenders offer. We offer flexible down payments starting at 10%, even on jumbo loans, and different refinancing options that can lower your monthly payments. See what a SoFi mortgage can offer you.

Get more from your mortgage

Affordable
Down Payments

Put as little as 10% down with no borrower-paid 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.
15-Year Fixed
Pay your loan off faster while maintaining a constant rate and payment.
7/1 ARM1
Rates are at their lowest for the first seven years, then adjust yearly.
5/12,3 ARM Interest-Only

(Purchase Only)

Pay only interest for the first 10 years, then pay back principal and interest over 20.
Learn More

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  • SoFi Lending Corp.
  • SoFi Mortgage, LLC
SoFi Lending Corp. (NMLS# 1121636) is licensed to originate mortgages in Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Maryland, Minnesota, Montana, New Jersey, North Carolina, North Dakota, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., Wisconsin, and Wyoming.
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, Nevada, 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.
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