Mortgage Refinancing

Refinance your way
to
a better mortgage.

See your rate

Takes two minutes. Won’t 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

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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

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Student Loan Payoff Refinance

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

Get more from
your mortgage

Painless pre-qualification

See the rates you pre-qualify for online in just two minutes.

Fast financing

Applications typically close in less than 30 days.

No origination fees

No application or origination fees. No pre-payment penalties.

Member discount

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

Choose the mortgage
that works for you

Takes two minutes. Won’t affect
your credit score.

Meet Roger & Katie

Meet Sandya

  • 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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Speed matters. Which is why you can see your mortgage rates—online—in minutes.
Without affecting your credit score.

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Won’t affect your credit score.

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