SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank, N.A. is currently able to issue and refinance mortgages in all states except purchase only for New York.
SoFi $10 Check Your Rate on a Home Loan Promotion (“Promotion”): The Promotion is offered by SoFi Bank N.A. SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. No purchase necessary to participate. Additional terms and conditions may apply. Promotion is void where prohibited by state law.
Eligible Participants: The Promotion is open to anyone who resides within the United States and is of the age of majority in the state in which they reside. To receive a $10 bonus in a SoFi Checking and Savings account through the Promotion you must check your rate www.SoFi.com for a SoFi Home Loan by 12/31/2026. To check your rate, you must authorize SoFi to obtain a credit report. Checking your rate will not affect your credit score. If you later decide to submit an application and agree to a “hard” credit request your credit score may be impacted. Participants will receive the $10 bonus regardless of whether or not they are pre-qualified for a SoFi home loan. In order to be eligible for the promotion, the participant must either have an existing SoFi Checking and Savings account, or apply to open a SoFi Checking and Savings account by 12/31/2026. Those who have received a $10 or $20 bonus for checking their rate on a Personal Loan, Student Loan Refinance or Home Loan in the current calendar year are not eligible for this promotion. SoFi reserves the right to exclude any consumer from participating in the Promotion for any reason, including suspected fraud, misuse, or suspicious activities.
Payout: Eligible participants who have a SoFi Checking and Savings account will receive the $10 bonus within their SoFi Checking account. If the participant does not have a SoFi Checking and Savings account, they must apply for a SoFi Checking and Savings account in order to receive payout.
Taxes: Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer. Consult your tax advisor to determine applicable tax consequences.applicable federal, state, or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice to you. Additional terms may apply.
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*Member Discount: SoFi offers a one-time standard member discount on loans originated by SoFi Bank of $500 off the standard $1,495 origination fee for first lien mortgages and $200 off the $1,295 origination fee for home equity loan or line of credit. To be eligible for the discount, a person must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, or SoFi Money or Checking/Savings account with account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. Based on regulatory requirements, the name of the origination fee may vary in certain states.