Mortgage Refinancing

Refinance your way
to
a better mortgage.

See your rate

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

Named an Award Winner for Best Online Mortgage Lender for Refinancing +
Best Mortgage Lenders for First time Home Buyers with Alternative Credit History

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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 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, origination, or other lender 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

30-Year Fixed
Enjoy fixed payments that won't change over time.
Rate4
APR4

Up to 80% LTV

30-year term
15-Year Fixed
Pay your loan off faster while maintaining a consistent rate and payment.
Rate4
APR4

Up to 80% LTV

15-year term
7/1 ARM1
Fixed rates are their lowest for the first seven years, then adjust yearly.
Rate4
APR4

Up to 80% LTV

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
APR4

Up to 75% LTV

30-year term
See your rate

Takes two minutes. Won't affect
your credit score.✝

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Where we lend

View Mortgage Licenses and Eligibility
  • 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, Nevada, New Jersey, New York, North Carolina, North Dakota, Oregon, Pennsylvania, Rhode Island, South Carolina, 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, 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 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

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Get started in minutes

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

See your rate

Won't affect your credit score✝.

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 Financing 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 At the end of 60 months the interest rate and monthly payment for the 5/1 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.

3 SoFi’s interest-only loan is a 30-year, 5/1 ARM loan. During the first 10 interest-only years, the minimum monthly payment required is the interest on the loan. Paying the minimum payment during the interest-only period will not reduce the principal loan balance. At the end of the 10 interest-only years, the minimum payment required will increase, even if the interest rate does not change, to include both interest and principal payments.

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

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