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Comments Off on SoFi Mortgage Loans | Painless Pre-Qualification
It’s the SoFi Mortgage Payoff Sweepstakes. If you buy or
refinance your mortgage with SoFi, we could pay for the
whole thing, up to $500,000.* Enter by 2/8/26. There’s
more magic in a SoFi Mortgage Loan as well—like
competitive fixed rates, industry-leading speed1, and
exclusive member discounts.2
Get started
*NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Open only
to legal residents of the 50 U.S./D.C. with an existing mortgage loan, 18+. Void where prohibited by law. Sweepstakes
ends at 11:59 p.m. ET on 2/8/26. Subject to Official Rules, including alternate and free methods of entry, prizes, limits,
and odds: click here. Sponsor: Social Finance LLC (“SoFi”) 234 First Street, San Francisco, CA 94105.
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Personalized home mortgage loans
to achieve your goals.
12.6M
SoFi members nationwide
$9.4B+
in funded mortgage loans
130K+
homeowners served11
2.3M+
in rewards earned12
Named the Best Mortgage Lender for Saving Money by CNBC Select.§
SOFI PLUS EXCLUSIVE
Get a $1,000 home mortgage discount
with SoFi Plus.*
Must be a SoFi Plus member when approved.
Learn more
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Why SoFi? Our mortgage loans
fund with benefits.
-
Verified Preapproval Letter
Helps your offer stand out in a competitive market.2
-
Industry-leading speed
SoFi closes mortgages faster than the industry average.9 And we offer an industry-leading $10,000 On-Time Close Guarantee.1
-
Simple online application
Our online application is quick and easy. Plus, we have Mortgage Loan Officers standing by—ready to guide you every step of the way.
-
Flexible term options
Choose from 10-, 15-, 20-, and 30-year fixed terms8 7 6 5 with down payment rates as low as 3% for first-time buyers direct from your award-winning mortgage lender.
Preparing to apply for a SoFi Mortgage Loan.
Use this quick checklist to prepare for the home-buying process with us, a trusted mortgage lender.
Home Affordability Calculator‘,
title: ‘Set a budget’
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text: ‘Learn how your credit score affects your interest rate and loan options.
Understand how credit works before buying‘,
title: ‘Review your credit score’
},
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text: ‘Learn about the different mortgage loans available to you and find the best fit.
Types of mortgage loans‘,
title: ‘Know your loan options’
},
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text: ‘Figure out how much money you need to put down to qualify for a mortgage loan.
Down payment for an average home‘,
title: ‘Determine your down payment’
},
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text: ‘Your debit-to-income ratio is a good indicator of how much home you can afford.
Why DTI matters‘,
title: ‘Improve your DTI’
},
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text: ‘Learn which forms are required for a mortgage loan application.
Required mortgage loan documents‘,
title: ‘Prepare your paper trail’
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View your rate
BTW it’s a soft inquiry, so it won’t affect your credit score.†
How to get started with a SoFi Mortgage Loan.
View your personalized rate.
It only takes minutes to explore your options, and it won’t affect your credit score9—no commitment required.
Select your terms.
Choose your mortgage. We offer 10-, 15-, 20-, and 30-year8 7 6 5 options to meet your financial goals.
Get support.
Dedicated Mortgage Loan Officers are standing by to guide you every step of the way.
View your rate
BTW it’s a soft inquiry, so it won’t affect your credit score.†
A beginner’s guide to mortgage loans
Get to know the ins and outs of a mortgage loan before you begin the home-buying process with a mortgage lender. Our First-Time Homebuyer Guide breaks down the basics, including the different types of home loans available to you.
See how much home you can afford and explore different down payment options.
Home Affordability Calculator Mortgage Payment Calculator
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headingText=”Run the numbers with our mortgage calculators.”
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imgSrc=”https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/pl-calculator.webp”
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Choose the mortgage loan rates
that are right for you.
Select from a variety of home loan options with mortgage rates, loan terms, and monthly payments that suit your budget.
All APRs are updated daily
View your rate
Need help finding the best option for your unique needs? Get in touch with a Mortgage Loan Officer at (844)-763-4466.
5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.250%, LTV 80% is $3884.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is 5.778%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
6 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.250%, LTV 80% is $2910.00 for full Principal and Interest Payments with $5187.46 due at closing. The Annual Percentage Rate is 5.612%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
7 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.990%, LTV 80% is $2591.00 for full Principal and Interest Payments with $4952.16 due at closing. The Annual Percentage Rate is 6.276%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.125%, LTV 80% is $2200.00 for full Principal and Interest Payments with $4695.14 due at closing. The Annual Percentage Rate is 6.335%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
Best-in-class home mortgage loans built around you.
VA Loans
VA home loans with exclusive rates and no down payment requirements for active personnel, veterans, and reservists.13
Learn more about buying a home.
Got questions about your mortgage loan? Mortgage lender? Home loan options? Here are a few resources to help.
{/* review */}
“Spencer and his team totally went to bat for us and got our loan processed. Very happy with him and his teams efforts and follow up. Communication was excellent right up to the loan funding.”
“Tyler was great to work with — super responsive, transparent, and efficient. He helped me secure a lower rate than I was expecting, and beat another lender’s offer when I brought it to him. The whole process felt smooth and low-stress thanks to his help.
Also want to shout out my Loan Processor Latoya, both Tyler and Latoya worked together to make everything easy! Will absolutely be recommending Tyler & SoFi to my friends/colleagues looking for a mortgage.”
“Ryan and was team were incredibly efficient, helpful and friendly. The whole experience was, as a borrower, so simple and painless. Everybody involved, the SoFi team, Nora the recorder, the insurance agent (who, thanks to Ryan’s introduction) saved me about 50% on my home insurance policy, were great to work with. Ryan got things moving as I had travel commitments, and he took those into account and moved everybody along. Highly recommended.”
300+ Reviews
FAQs
What is a mortgage?
A mortgage loan (or home loan) is a loan to purchase a home or other real estate—without having all the money upfront.
Learn more: Understanding Mortgage Basics
What are the different types of mortgage loans?
There are a variety of different home mortgage loans with different interest rates, terms, and protections. Fixed-rate mortgages have the same rate throughout the life of the loan, whereas adjustable-rate mortgages have interest rates that can fluctuate after an initial fixed-rate period of months to years. Federal Housing Administration (FHA) loans are loans issued by mortgage lenders on behalf of the government and are insured by the FHA. Learn more about different types of mortgage loans and their unique benefits here.
How much do I qualify for?
You can begin to figure out the right mortgage loan for you by evaluating your down payment, interest rate, credit score, and monthly payments. This Mortgage Calculator can help you get started.
What are the current mortgage rates?
Interest rates can vary and are subject to change. Our Mortgage Calculator can help you find a rate that works for you. You can also reach out to a Mortgage Loan Officer to discuss your needs.
How can I get the lowest mortgage rate?
Your mortgage loan’s interest rate is affected by your credit score, down payment, and the amount of your mortgage loan, among other factors. Our Mortgage Calculator can help you get a better look at your options.
How does my credit score affect my home mortgage interest rate?
Your credit score will weigh heavily in whether you qualify for a conventional or FHA mortgage loan and the interest rate on that loan. This article breaks down how your credit score can affect your interest rate, monthly payments, and mortgage loan options.
What is the minimum down payment on a home?
Mortgage lenders have traditionally asked borrowers to pay at least 20% of a home’s purchase price as a down payment. However, this is changing. Your credit score, type of mortgage loan, and purchase price can all affect how much you’re required to put down. This article breaks down these factors and can help you determine how much you should put down.
Do I need to get a home appraisal before getting a mortgage loan?
A home appraisal is an objective and professional analysis of a home’s value. An appraisal consists of information like the floor plan, amenities, and size, as well as a visual inspection, real estate trends in the area, and the value of homes near yours. Before applying for mortgage loan refinancing, listing your house on the market, or buying a home, you’ll need to get a home appraisal.
See more FAQs
Explore your mortgage loan options in minutes.
Your time matters. View personalized mortgage loan rates in minutes.
View your rate
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