Nov

2025

Online Insurance Auto Insurance SEM1

By Nicholas Wong | 1_Web_Protect | Comments Off

Auto Insurance

Compare car insurance quotes and you could save $1,007 a year on
average^*

See quotes in a matter of minutes.

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SoFi’s teamed up with Experian^® to bring you multiple quotes to compare against your existing car insurance coverage.

We are now directing you to our partner, Experian^®, to complete your application.

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SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Experian^®. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.

*Results will vary and some may not see savings. Average savings of $1,007 per year
for customers who switched and saved with Experian from May 1, 2024 through April
30, 2025. Savings based on customers’ self-reported prior premium. Experian offers
insurance from a network of top-rated insurance companies through its licensed
subsidiary, Gabi Personal Insurance Agency, Inc.

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SoFi’s teamed up with Experian^® to bring you a true comparison insurance shopping experience. Using the right mix of technology and human interaction, Experian^® provides an apples to apples comparison against your existing policy to find you a great deal. Real rates, with no bait and switch.

Why Experian?

You’re likely overpaying for auto insurance, and shopping for it is a hassle. Experian^® does all of the insurance shopping for you.

Compare

Experian^® is your personal insurance shopper. Experian^® will do the heavy lifting and check prices for you from their network of insurance providers.
Save Time

With Experian’s technology, within minutes pull new quotes to match your current coverage with little to no manual entry. No need to visit multiple websites.
Peace of Mind

Rest easy knowing you’ve explored your options. Experian^® will never share or sell your information, period.
Potential Savings

Comparing multiple quotes can help you find a great rate and potentially save you money.

How it works:

Match.

Share your current policy details so Experian^® can compare your coverage apples-to-apples.
Pick.

Experian^® will show the rates and you pick the quote you want.
Buy.

Buy your new policy directly through Experian^® – they will even help you cancel your old policy!

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SoFi’s teamed up with Experian^® to bring you multiple quotes to compare against your existing car insurance coverage.

We are now directing you to our partner, Experian^®, to complete your application.

Get my quote

Common Questions

How is Experian^® different from other insurance companies?

Experian^® is an online insurance broker and agent. Experian^® doesn’t replace the insurance company, it just helps you shop. Experian^®’s product is a free tool that helps you compare auto and home insurance rates across top providers and finds you the cheapest rate for your exact coverage.

How does Experian^® work?

Experian^® uses the account credentials to your current insurance account (or a PDF of your policy declarations page) to learn about your current coverage details, so you don’t have to input them manually. Experian^® uses those details to get you apples-to-apples comparisons for the same coverage from other insurance providers to find a great rate. If you don’t want to use this feature, you can manually enter your information and select coverages to get a quote.

How does Experian^® make money?

Just like all agents, Experian^® is paid a commission by the insurance company. There is no upcharge to you, Experian’s tool
is free for you to use. These commissions are from the insurance companies’ marketing budgets given Experian^®
brought them new customers, not from your premiums. Your rates are the rates provided and don’t change. Experian^®
shows you quotes based on your savings. Experian^® does not sell or share your data and doesn’t cold call or spam its
customers.

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Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 12/15/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.

Nov

2025

New Hampshire Jumbo Mortgage Loan Calculator

By Dana Paltao | mortgage | Comments Off

New Hampshire Jumbo Loan Calculator

By SoFi Editors | Updated Novmeber 7, 2025

When considering a jumbo loan in New Hampshire, understanding the financial implications is important. A jumbo loan calculator can help you estimate monthly payments, calculate the total interest paid, and show total loan costs associated with financing a high-value property.

Simply enter in the purchase price, down payment amount, loan term, interest rate, and property tax rate. Keep reading to learn more on jumbo loans in New Hampshire and how to best use the calculator.

Key Points

• A jumbo loan is a mortgage option for loan amounts exceeding the conforming loan limits set by the Federal Housing Finance Agency.

• In New Hampshire, the conforming loan limit is $806,950 in most counties. In Rockingham and Strafford, it’s $914,250.

• A jumbo loan calculator helps estimate monthly payments, total interest, and other associated costs.

• Key factors include home price, down payment size, loan term, interest rate, and property tax rate.

• Qualifying for a jumbo loan often requires a higher credit score, significant cash reserves, and a down payment of at least 10%.

New Hampshire Jumbo Loan Calculator

Calculator Definitions

• Jumbo loan: A jumbo loan is a mortgage for amounts exceeding the conforming loan limit, which is set by the Federal Housing Finance Agency (FHFA). In most New Hampshire counties in 2025, the limit is $806,500, but it increases to $914,250 in Rockingham and Strafford counties.

• Home price: The home price is the agreed-upon purchase price between the buyer and seller. It is crucial for determining the size of your home loan and the overall affordability of the property.

• Down payment: The down payment is the initial sum a homebuyer contributes upfront, typically a percentage of the home’s purchase price. Jumbo mortgage loans generally require a down payment of at least 10%.

• Loan term: The loan term is the duration over which you repay the mortgage, typically 15 or 30 years. A longer term lowers monthly payments but increases total interest paid. A shorter term raises monthly payments but reduces total interest.

• Interest rate: The interest rate is the cost of borrowing, expressed as a percentage of the loan amount. It can be fixed or variable. Factors influencing the rate include credit history, market trends, and the type of mortgage loan.

• Annual property tax: Property tax is levied by local governments on land and buildings, typically a percentage of the assessed property value. In New Hampshire, the average effective property tax rate on owner-occupied housing is 1.89%.

How to Use the New Hampshire Jumbo Loan Calculator

The New Hampshire jumbo loan calculator helps estimate the costs of a jumbo loan. Here’s a step-by-step guide on how to use the calculator.

Step 1: Enter Your Home Price

Type in the final agreed-upon home price from your contract.

Step 2: Add a Down Payment Amount

Specify the amount you plan to put down upfront. A down payment of at least 10% is generally required for jumbo loans. A down payment calculator can help you decide on your number.

Step 3: Choose a Loan Term

Select the loan term that aligns with your financial goals. Common terms are 15 and 30 years, but the calculator allows you to select a term as low as 10 years. A longer term lowers monthly payments but increases total interest paid. A shorter term raises monthly payments but reduces total interest.

Step 4: Enter an Interest Rate

Input the anticipated interest rate to the second or third decimal point. Adjusting the interest rate helps you see how it impacts your monthly payments and total loan costs.

Step 5: Enter Your Annual Property Tax

Input your annual property tax rate, not the dollar value. In New Hampshire, the average effective property tax rate is 1.89%.

What Are Jumbo Loans and Conforming Loan Limits?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency. These limits are typically $806,500 for a single-family home, but they can be higher in high-cost areas. In most New Hampshire counties in 2025, the conforming loan limit is $806,500, while in Rockingham and Strafford counties, it is $914,250. If your loan amount surpasses these limits, you will need a jumbo loan.

When comparing jumbo loans vs. conventional loans, jumbo loans often have stricter qualification criteria, such as higher credit scores and significant cash reserves. Despite these requirements, jumbo loans offer flexibility and can be a viable option for financing expensive properties.

Recommended: The Pros and Cons of Jumbo Loans

Benefits of Using a Jumbo Loan Payment Calculator

Using a jumbo loan mortgage calculator offers several advantages. First, it helps you budget effectively by providing a clear estimate of your potential monthly mortgage payments, which includes principal, interest, and property tax.

Second, the calculator allows you to see how small changes in interest rates can significantly affect your monthly payments and total loan costs. And finally, it shows you how down payments affect your loan, with higher down payments lowering both the loan amount and the monthly payment.

How to Use the Jumbo Loan Calculator to Compare Scenarios

Use the jumbo loan calculator to compare different loan scenarios and meet your financial goals. Here’s how you can use it:

• Adjust the home price to see how it affects affordability.

• Explore various down payment amounts to see their impact on monthly payments.

• Consider different loan terms to understand the trade-offs between monthly payments and total interest paid.

• Explore different interest rates to find the best option.

• Understand the impact of property tax rates on your monthly payment.

Current mortgage rates by state.

Compare current home interest rates by state and find a mortgage rate that suits your financial goals.

Select a state to view current rates:

Deciding How Much House You Can Afford in New Hampshire

Determining how much house you can afford in New Hampshire involves several key factors. Home prices vary, and lenders generally recommend that your mortgage payment should not exceed 28% of your gross monthly income. For a $1 million home, assuming a 10% down payment ($100,000) on a 30-year mortgage at 6.75%, the monthly mortgage payment would be approximately $5,837, excluding property taxes and insurance. To make this payment, lenders recommend an income of $250,000 per year.

Factoring in debts is also important, as lenders advise that total debt payments should stay within 36% of your gross monthly income. In the example above, if your debts exceed about $1,600 a month — think about student loans, credit cards, and car payments — the income needed for a $900,000 mortgage would be higher.

Mortgage preapproval can clarify your maximum mortgage, simplifying the homebuying process. Though, only you can say what a comfortable budget is, based on your assets, lifestyle, and financial goals.

Recommended: Jumbo Loan Requirements

Components of a Jumbo Loan Payment

The main components of a jumbo loan payment include the principal amount borrowed and the interest charged on that principal. Other components include property tax — which is included in our calculator — as well as homeowners insurance and homeowners association (HOA) fees. Knowing how these expenses factor in gives you a clearer view of your overall financial commitment and helps you prepare for the true costs of homeownership.

Run the numbers on your home loan.

Mortgage calculator

Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.

Calculate
Down payment calculator

Enter a few details about your home loan and we’ll provide your monthly mortgage payment.

Calculate
Home affordability calculator

Provide us with a few details and see how much you can afford to spend on a home purchase.

Calculate

Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.

Cost of Living in New Hampshire

The cost of living in your area will significantly affect how much you can afford. Higher cost of living areas typically have higher average home prices, as well as increased costs for utilities, home maintenance, transportation, and other necessities. Even if you think your mortgage payment will be manageable, consider the broader financial picture.

According to MERIC, the cost of living in New Hampshire is 111.4, which is about 11% higher than the national average of 100. Housing and utilities are 17% higher than the national average, and transportation is almost 3% higher.

You can use a home affordability calculator to factor in all your expenses and arrive at a realistic budget for your new home.

Tips on Reducing Your Jumbo Loan Payment

Reducing your jumbo loan payment can make homeownership more manageable. Here are some strategies to consider:

• Choose a longer loan term, such as a 30-year mortgage, to lower monthly payments.

• Shop for a lower interest rate to reduce monthly payments and total interest paid.

• Consider an adjustable-rate mortgage (ARM) for possibly a lower initial interest rate, but be prepared for potential rate increases.

• Make a larger down payment to reduce the loan-to-value ratio and improve loan terms.

• Recast your mortgage with a large lump-sum payment to lower your monthly payments.

• Modify your loan during financial hardship to make payments more affordable.

• Refinance your mortgage to a longer term if your current payments are too high.

• Shop around for a more favorable homeowners insurance rate.

The Takeaway

When considering a jumbo loan in New Hampshire, a jumbo loan calculator helps you estimate monthly payments, the total interest paid, and the overall cost associated with financing a more expensive home. Using the jumbo loan calculator helps you make well-informed decisions about your financial situation and how much house you can comfortably afford.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

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FAQ

How much is a jumbo loan in New Hampshire?

A jumbo loan is defined as a mortgage exceeding the conforming loan limits set by the Federal Housing Finance Agency. For single-family homes in Rockingham and Strafford counties, the limit is $914,250. For all other counties in New Hampshire, it’s $806,250.

How much is a $900,000 mortgage payment for 30 years?

To estimate the monthly payment for a $900,000 mortgage over 30 years, use a jumbo loan calculator. Assuming a fixed interest rate of 6.00%, the estimated monthly payment would be approximately $5,390, including principal and interest, but not property taxes or insurance.

Is $900,000 a jumbo loan?

Yes, a $900,000 mortgage is generally considered a jumbo loan because it exceeds the conforming loan limits set by the Federal Housing Finance Agency. In most areas, the limit is $806,500, but it can be higher in certain high-cost areas. Jumbo loans have stricter qualification requirements but can offer competitive interest rates and flexible terms.

Do you need 20% for a jumbo loan?

While a 20% down payment is ideal for a jumbo loan, it is not always required. Some lenders accept down payments as low as 10%, but this can lead to higher interest rates and additional costs. Use a down payment calculator to understand the impact of different down payment amounts on your monthly mortgage payments and overall financial health.

What credit score is needed for a jumbo loan?

To qualify for a jumbo loan, lenders typically require a higher credit score, often around 700, with some setting the bar at 740 or above. A strong credit score demonstrates responsible debt management, which is crucial for larger loan amounts. Higher scores can lead to more favorable loan terms, such as lower interest rates and reduced closing costs. Check your credit score and take steps to build it before applying for a jumbo loan.

Learn more about jumbo loans:

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Checking Your Rates: To check the rates and terms you may 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.

SOHL-Q425-145

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Nov

2025

Nebraska Jumbo Mortgage Loan Calculator

By Dana Paltao | mortgage | Comments Off

Nebraska Jumbo Loan Calculator

By SoFi Editors | Updated November 7, 2025

If you need a home loan for more than $806,500 in Nebraska, our Nebraska jumbo mortgage loan calculator can help you estimate your monthly payments, total interest paid, and total cost of the loan.

Keep reading to learn more on jumbo loans in Nebraska, how jumbo loans differ from conforming loans, and how to use our Nebraska jumbo loan calculator.

Key Points

• Jumbo loans exceed the conforming loan limit, which is $806,500 in Nebraska. If you need a loan for more than this amount, you’ll need a jumbo loan.

• A Nebraska jumbo mortgage calculator helps estimate monthly payments, total interest, and other costs.

• The calculator factors in the purchase price, down payment amount, loan term, interest rate, and property tax rate.

• Qualifying for a jumbo loan often requires a higher credit score and significant cash reserves.

• Jumbo loans often require a minimum down payment of 10%. Higher down payments can improve loan terms and reduce monthly payments.

Nebraska Jumbo Loan Calculator

Calculator Definitions

• Jumbo loan: A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In Nebraska in 2025, the conforming loan limit for a single-family home is $806,500.

• Home price: The home price is the agreed-upon purchase price between the buyer and seller. It directly affects the total loan amount and monthly payments.

• Down payment: The down payment is the initial amount a homebuyer contributes upfront, typically expressed as a percentage of the total purchase price. Jumbo mortgage loans usually require a down payment of at least 10%.

• Loan term: The loan term is the duration you have to repay your mortgage, typically 15 or 30 years. A longer term reduces monthly payments but increases total interest paid. A shorter term increases monthly payments but saves on interest.

• Interest rate: The interest rate is the cost of borrowing money, expressed as a percentage of the loan amount. It can be fixed or variable. Factors influencing the rate include credit history, market trends, and the type of mortgage loan.

• Annual property tax: The annual property tax is levied by local governments on land and buildings. It’s typically a percentage of the property’s assessed value, which may differ from the market value.