SoFi Blog

Tips and news—
for your financial moves.

Mar
04
2019

2025 Home Loans Education Portal

By | Uncategorized | Comments Off on 2025 Home Loans Education Portal


2025 Home Loan Help Center


Buying a home?
We can help.

Deciding to purchase a home is a huge step.
That’s why we’ve put together a hub dedicated to helping you
navigate the home buying process. Explore our resources, guides, and tips.


Let’s start with the home buying basics.

These introductory articles can help with questions around home loans, escrow, the first-time home buyer process, and more.






Understanding home loan terminology

Use these articles and resources to get a better understanding of what some common home loan terminology means.


What Is A Conventional Home Loan?


Mortgage Prequalification
vs.
Preapproval


What is a Jumbo Loan?


How Does an Amortizing Loan Work?


Is there a new home in your future?

These introductory articles can help with questions around home loans, escrow, the first-time home buyer process, and more.


Calculators to help navigate the home-buying process.

It’s all about the numbers. Try these calculators to help in your decision making process.

Mortgage Calculator

See how much you can save on your mortgage with different down payments.

Go To Calculator

Home Renovation Cost Calculator

Find out how much it would cost to update your home.

Go To Calculator

Home Affordability Calculator

Get an estimate of the total monthly house payment you can afford.

Go To Calculator

Buying a home? Gain insights on local housing market trends

Keep up with the housing market Joneses with the latest real estate market trends. Choose a city to discover everything from average home prices to market demographics.

Don’t forget about cost of living when buying a home.

When you factor in the cost of living during the home buying process, it may reveal great places to live that you’d never consider.

Check out our cost of living guide that breaks down the average cost of living for the most popular states in the country.


Use these extra tips to navigate the complexities of home buying.

Are you buying a home for the first time? These tips can help smooth over the purchase process.


Looking to refinance an existing mortgage?

If you want to learn more about mortgage refinancing, these articles are for you.






Get even more help with home loans.

How Much Does it Cost to Remodel a House?

What We Can Learn from
Historical Mortgage Interest Rate Fluctuations

Cash-Out Refinance vs Home Equity Line of
Credit

How Do Reverse Mortgages Work?

Should You Use Your Roth IRA to Buy Your First
Home?

What to Know about FHA 203K loans


Common questions






Choose the home loan that works for you

and see how much you could save

Read more
Mar
04
2019

Home Improvement Loans (Remodelmate)

By | Uncategorized | Comments Off on Home Improvement Loans (Remodelmate)

Renovate now, pay over time.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 8.74% APR to 35.49% APR (with AutoPay)5.

Fund Your Project

Checking your rate will
not affect your credit score✝.


Push button, get renovation financing. Borrow up to $100K for your remodelmate project through SoFi and get $200 when your loan is disbursed by applying through this page.*

Rates range from 8.74% APR to 35.49% APR (with AutoPay)5.

Why SoFi?

Easy Experience

No need to wait weeks for an appraisal. Get pre-qualified and receive your funds fast so you can get started right away.

No Fees

Unlike some home equity loans, there are no origination fees, no closing costs, and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Fund Your Project

So Easy

Find Your Rate

Get pre-qualified online with no hidden fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.


Get Started

Compare Rates and Terms

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.

Payment Examples

Fixed Rate Loans

Term Origination
Fee		 Rate
(APR)		 No. of
Payments		 Monthly
Payment		 Total
Payments
2 Years None 8.74% – 35.49% 24 $1,366.97 – $1,763.32 $32,807.19 – $42,319.74
3 Years None 10.08% – 35.49% 36 $969.14 – $1,365.41 $34,889.14 – $49,154.90
4 Years None 10.93% – 35.49% 48 $774.35 – $1,178.04 $37,168.62 – $56,545.80
5 Years None 12.16% – 35.49% 60 $669.76 – $1,074.14 $40,185.69 – $64,448.26
6 Years None 13.16% – 35.49% 72 $604.76 – $1,011.27 $43,542.68 – $72,811.45
7 Years None 13.49% – 35.49% 84 $553.78 – $971.20 $46,517.72 – $81,581.10

< Back to Personal Loans

Questions? Call us for a free consultation at 855-456-7634

Fund Your Project

Read more
Feb
28
2019

Home Improvement Loans – Delos

By | personal_loan | Comments Off on Home Improvement Loans – Delos

Finance your Delos smart home
technology project with SoFi and earn a $200 bonus* when your loan is disbursed.

Fund Your Project

Checking your rate will
not affect your credit score✝.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 8.74% APR to 35.49% APR (with AutoPay)5.

Why SoFi?

Easy Experience

No need to wait weeks for an appraisal. Get pre-qualified and receive your funds fast so you can get started right away.

No Fees

Unlike some home equity loans, there are no closing costs and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Fund Your Project

So Easy

Find Your Rate

Get pre-qualified online with no hidden fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.


Get Started

Compare Rates and Terms

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.

Payment Examples

Fixed Rate Loans

Term Origination
Fee		 Rate
(APR)		 No. of
Payments		 Monthly
Payment		 Total
Payments
2 Years None 8.74% – 35.49% 24 $1,366.97 – $1,763.32 $32,807.19 – $42,319.74
3 Years None 10.08% – 35.49% 36 $969.14 – $1,365.41 $34,889.14 – $49,154.90
4 Years None 10.93% – 35.49% 48 $774.35 – $1,178.04 $37,168.62 – $56,545.80
5 Years None 12.16% – 35.49% 60 $669.76 – $1,074.14 $40,185.69 – $64,448.26
6 Years None 13.16% – 35.49% 72 $604.76 – $1,011.27 $43,542.68 – $72,811.45
7 Years None 13.49% – 35.49% 84 $553.78 – $971.20 $46,517.72 – $81,581.10

< Back to Personal Loans

Questions? Call us for a free consultation at 855-456-7634

Fund Your Project

Read more
Feb
21
2019

Home Improvement Loans (Kukun)

By | Uncategorized | Comments Off on Home Improvement Loans (Kukun)

Make your
dream home
upgrades, today.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 8.74% APR to 35.49% APR (with AutoPay)5.

Fund Your Project

Checking your rate will
not affect your credit score✝.

Kukun is the one-stop-shop for all your home remodeling needs. Estimate the cost of a home improvement project and measure its impact on the value of your home. Learn the basics, generate ideas, find reputable local contractors and more, all via Kukun. Plus get $100 when your loan is disbursed by applying through this page.*

Rates range from 8.74% APR to 35.49% APR (with AutoPay)5.

Why SoFi?

Easy Experience

No need to wait weeks for an appraisal. Get pre-qualified and receive your funds fast so you can get started right away.

No Fees

Unlike some home equity loans, there are no closing costs and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Fund Your Project

So Easy

Find Your Rate

Get pre-qualified online with no hidden fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.


Get Started

Compare Rates and Terms

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.

Payment Examples

Fixed Rate Loans

Term Origination
Fee		 Rate
(APR)		 No. of
Payments		 Monthly
Payment		 Total
Payments
2 Years None 8.74% – 35.49% 24 $1,366.97 – $1,763.32 $32,807.19 – $42,319.74
3 Years None 10.08% – 35.49% 36 $969.14 – $1,365.41 $34,889.14 – $49,154.90
4 Years None 10.93% – 35.49% 48 $774.35 – $1,178.04 $37,168.62 – $56,545.80
5 Years None 12.16% – 35.49% 60 $669.76 – $1,074.14 $40,185.69 – $64,448.26
6 Years None 13.16% – 35.49% 72 $604.76 – $1,011.27 $43,542.68 – $72,811.45
7 Years None 13.49% – 35.49% 84 $553.78 – $971.20 $46,517.72 – $81,581.10

< Back to Personal Loans

Questions? Call us for a free consultation at 855-456-7634

Fund Your Project

Read more
Jan
18
2019

Home Improvement Loans – Block

By | Uncategorized | Comments Off on Home Improvement Loans – Block

Finance your Block renovation
with SoFi and earn a $200 bonus*
when your loan is disbursed.

Fund Your Project

Checking your rate will
not affect your credit score✝.

Borrow up to $100K, with no fees, to tackle your wish list with a home improvement
loan. Rates range from 8.74% APR to 35.49% APR (with AutoPay)5.

Why SoFi?

Easy Experience

No need to wait weeks for an appraisal. Get pre-qualified and receive your funds fast so you can get started right away.

No Fees

Unlike some home equity loans, there are no origination fees, no closing costs, and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Fund Your Project

So Easy

Find Your Rate

Get pre-qualified online with no hidden fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.


Get Started

Compare Rates and Terms

The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.

Payment Examples

Fixed Rate Loans

Term Origination
Fee		 Rate
(APR)		 No. of
Payments		 Monthly
Payment		 Total
Payments
2 Years None 8.74% – 35.49% 24 $1,366.97 – $1,763.32 $32,807.19 – $42,319.74
3 Years None 10.08% – 35.49% 36 $969.14 – $1,365.41 $34,889.14 – $49,154.90
4 Years None 10.93% – 35.49% 48 $774.35 – $1,178.04 $37,168.62 – $56,545.80
5 Years None 12.16% – 35.49% 60 $669.76 – $1,074.14 $40,185.69 – $64,448.26
6 Years None 13.16% – 35.49% 72 $604.76 – $1,011.27 $43,542.68 – $72,811.45
7 Years None 13.49% – 35.49% 84 $553.78 – $971.20 $46,517.72 – $81,581.10

< Back to Personal Loans

Questions? Call us for a free consultation at 855-456-7634

Fund Your Project

Read more
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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 other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. 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, evaluation of your creditworthiness, years of professional experience, income, and a variety of 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, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (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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