Mortgage Refinancing

Refinance your way
to a better mortgage.

Get Your Rates in 2 Min

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 Fees.
No Catch.

No application, origination, or other lender fees.

No Paperwork
Nightmares

Less paperwork than traditional lenders means less hassle.

Get Your Rates in 2 Min

Choose Your REFI Term

30-Year Fixed
Enjoy fixed payments that won't change over time.
Up to 80% LTV.
30-year term
15-Year Fixed
Pay your loan off faster while maintaining a constant rate and payment.
Up to 80% LTV.
15-year term
7/1 ARM1
Fixed rates are their lowest for the first seven years, then adjust yearly.
Up to 80% LTV.
30-year term
Get Your Rates in 2 Min

SoFi is licensed to originate mortgage refinancing 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, 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

View More

Reviews on zillow

0 Reviews | SEE  ALL REVIEWS
Show More Reviews
©Zillow, Inc., 2006-2017.

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

Get Your Rates in 2 Min
SSL Encrypted
Equal Housing Lender