Oct

2016

Mortgage Loans – Members (discount message)

By SoFi General | Uncategorized | Comments Off

Home Loans

Your dream home. Made possible
with as little as 10% down.

SoFi members get a preferred rate discount of 0.125% for mortgages up to $3M.

Checking your rate will not affect your credit score^✝.

Borrow more with less money down

SoFi mortgages can help you buy the home you love today. Our underwriting approach may allow you to qualify for more financing than traditional lenders offer. We offer flexible down payments ranging from 10-50%, even on jumbo loans. If you’re looking for low monthly payments, take a look at our interest-only loan. Think of it as more house, less headache.

Get more from your mortgage

Affordable
Down Payments

Put as little as 10% down with no mortgage insurance required.

Painless
Pre-Qualification

Discover the real rates you pre-qualify for online.

Buy More
House

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

Exclusive
Rates

Get a 0.125% rate discount^✝✝ on an additional SoFi loan—just for being a member

No Hidden Fees.
No Catch.

No application or origination fees.

Fast
Financing

We’ll help you close quickly, so you can get in your new home in no time.

Choose the Mortgage
That Works For You

30-Year Fixed

Enjoy fixed payments that won’t change over time.

Rate⁴
APR⁵

10% down.
No borrower-paid PMI.

30-year term

15-Year Fixed

Pay your loan off faster while
maintaining a constant rate and
payment.

Rate⁴
APR⁵

10% down.
No borrower-paid PMI.

15-year term

7/1 ARM¹

Fix rates are at their
lowest for the first seven
years, then adjust yearly.

Rate⁴
APR⁵

10% down.
No borrower-paid PMI.

30-year term

5/1^2,3 ARM Interest-Only

Pay only interest for the first 10
years, then pay back

principal over 20.
Learn More

Rate⁴
APR⁵

25% down.
No borrower-paid PMI.

30-year term

Get Your Rates in 2 Min

Where we lend

View Mortgage Licenses and Eligibility

SoFi Lending Corp.
SoFi Mortgage, LLC

SoFi loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), and through SoFi Lending Corp. NMLS #1121636, a lender licensed by states. SoFi Lending Corp. or an affiliate is licensed to originate mortgages in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Jersey, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, and Wyoming. For information on SoFi Lending Corp. licenses, see Licenses.

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, 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

Common Questions

Mortgage Loans

Member Rate Discount

See all FAQs

Hear From Our Members

With a variety of mortgage options and a painless process, our members have a lot to say.

“SoFi had competitive rates, excellent customer service and an easy process using the latest technologies.“

Kyle Lui

Northern California

“We found out about SoFi on a Tuesday, were approved within a week and were funded less than two weeks later.“

Nicole V.

Northern California

“As advertised, it took 21 days from pre-approval to closing.“

Sekuleo Gathers

New Jersey

Reviews on zillow

0 Reviews | SEE ALL REVIEWS

Show More Reviews

#SoFiStartups: Upkey—Reinventing the College Job Search

For any startup to succeed, it takes talent, intelligence, hard work, and a love of innovation. It also helps to be connected—to have people looking out for you, especially when you’re on your way up and in need of that first big break. SoFi Entrepreneur Program member Mark Pawloski started Upkey with friends Mo Bitar and Amir Badr to help college students who didn’t come from elite backgrounds get noticed by more elite employers.

Save (For) Yourself: Investing While Single

Let’s get the ugly truth out of the way up front: A lot of Americans don’t have great financial planning skills. More than half (56%) have saved less than $10,000 for retirement, according to a March 2016 GoBankingRates survey. And 49% of U.S. adults with a self-directed retirement account, such as an IRA or 401(k), lack the confidence to invest iwt properly, according to a Federal Reserve Board report published in May. To add insult to injury, that same report reveals that 46% couldn’t cover an unexpected $400 emergency expense with ready cash or savings.

While there’s plenty of saving and investment advice available to help us all increase our financial smarts, the lion’s share of it is built around the idea that we should invest and save for other people in our lives. We’re told to save up for a wedding, a down payment on a house to enjoy with a life partner, a couple of cars, and for children and their educations. But where’s the financial planning advice for singles? It’s unfair to be left out just because your life milestones differ from those of others.

5 Ways to Avoid Predatory Student Loan Scams

Got student loans? We’ve got you covered with our Student Loan Smarts blog series. Our expert tips and hacks will help you save money, pay off loans sooner, and stress less about student loan debt. Read the other posts in the series here to get all the info you need to make intelligent decisions about your student loans.

Unfortunately, spotting a student loan scam today is more challenging than you might think. It can come in the form of a Facebook ad, an email, or a cheerful voicemail:

Busy and Coupled? Here’s How to Strike a Greater Work-Life Balance

You’re ambitious and focused on your profession —and so is your significant other. But unless you both have the amazing ability to clone yourselves, juggling demanding careers and personal pursuits can prove extremely challenging. Creating a work-life balance that truly serves your goals and passions can feel impossible.

But there are couples who are proof positive it can be done.

SoFi Blog

Tips and news—
for your financial moves.

Mortgage Loans – Members (discount message)

Home Loans

Your dream home. Made possible
with as little as 10% down.

SoFi members get a preferred rate discount of 0.125% for mortgages up to $3M.

Borrow more with less money down