Mortgage Refinancing

Refinance your way
to a better mortgage.

Checking your rate will not affect your credit score^✝.

Mortgage Refinancing
That Works For You

Refinance

Get a competitive rate without the headache. SoFi makes mortgage refinancing easy, so you can start saving on your home right away.

80% LTV Maximum

Get Started

Cash-Out Refinance

Turn your home equity into cash. SoFi's cash-out refi option is perfect for high-interest debt consolidation, home renovations, and more.

65% LTV Maximum

Get Started

Student Loan Payoff Refi

Refinance your mortgage at a lower rate and leverage home equity to pay off student debt—all at once. SoFi is a Fannie Mae approved lender.

80% LTV Maximum

Learn More

Why SoFi?

Painless
Pre-Qualification

Pre-qualify online in two minutes with no impact on your credit score.

Fast
Financing

Typical applications close in less than 30 days.

No Hidden Fees.
No Catch.

No application, origination, or other lender fees.

Exclusive
Rates

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

Get Your Rates in 2 Min

Choose Your Term

30-Year Fixed

Enjoy fixed payments that won't change over time.

Rate²	3.625%
APR³	3.738%

Up to 80% LTV.

30-year term

15-Year Fixed

Pay your loan off faster while maintaining a constant rate and payment.

Rate²	3.125%
APR³	3.288%

Up to 80% LTV.

15-year term

7/1 ARM¹

Fixed rates are their lowest for the first seven years, then adjust yearly.

Rate²	3.125%
APR³	3.633%

Up to 80% LTV.

30-year term

Get Your Rates in 2 Min

Where we lend

View Mortgage Licenses and Eligibility

SoFi Lending Corp.
SoFi Mortgage, LLC

SoFi Lending Corp. (NMLS# 1121636) is licensed to originate mortgage refinancing 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, Utah, Vermont, 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, 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 Dakota, Texas, Tennessee, Vermont, Washington, Washington, D.C., Wisconsin, and Wyoming. Products and terms may vary from those advertised on this site.

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

Kyle Lui

Northern California

“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

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

Sekuleo Gathers

New Jersey

Common Questions

See all FAQs

Reviews on zillow

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Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Finance Lender Law License No. 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 At the end of 84 months the interest rate and monthly payment for the 7/1 ARM adjusts. At adjustment the new mortgage rate will be the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market (LIBOR) as published in The Wall Street Journal, plus a margin of 2.25% subject to annual and lifetime adjustment caps.

2 Rates shown are based on top tier and 80% loan-to-value (LTV).

3 APR calculations exclude any third party fees and per diem interest.

Lowest rates are based on the top tier for well qualified borrowers with 1.375 discount points for 30-Year Fixed, 1.125 discount points for 15-Year Fixed and 0.5 discount points for 7/1 ARM. Not all applicants will qualify for the top tier. The lowest rates are based on 80% LTV for a purchase transaction of an owner occupied single family residence. Rates are subject to change and may not be available at the time of lock or loan commitment. APR for adjustable rate mortgages are subject to increase after fixed rate period and does not include 3rd party costs or prepaid interest.

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Equal Housing Lender

Mortgage Refinancing

Refinance your way to a better mortgage.