Mortgage Refinancing

Refinance your way
to
a better mortgage.

Effective 12/15/18, SoFi Lending Corp. is temporarily unable to accept new mortgage loan applications. However, our affiliate, SoFi Mortgage, LLC, may be able to help you. Because we are referring you to our affiliate, please review our Affiliated Business Arrangement Disclosure, which better explains our relationship with SoFi Mortgage, LLC. There is no impact on any existing applications with SoFi Lending Corp.

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

Get more from
your mortgage

Affordable down payment

Put as little as 10% down with no expensive borrower-paid PMI required.

Fast financing

We’ll help you close quickly so you are able to move in sooner. Usually within 30 days.

No hidden fees, no catch

No application, origination, or other lender fees.

Buy more house

Qualify for more financing with flexible debt-to-income limits.

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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, 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.

View Mortgage Licenses and Eligibility

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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 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 and may affect your credit.

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Equal Housing Lender

Mortgage Refinancing

Refinance your way to a better mortgage.