Home Mortgage Loans
Lock your rate now and qualify for a $500 bonus.
✓ Lock your rate now and qualify for a $500 bonus.
✓ Exclusive $500 cash bonus in a SoFi account after your loan funds.^
✓ Save now when you buy* and later when you refi1
✓ Close on-time, guaranteed.‡
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Checking your rate will not affect your credit score.†
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Why SoFi
mortgages?
Buy now, save when you refi.
Save now with a 0.25% pricing special* on 30-year terms, and we’ll help you save again when you refinance by waiving our admin fee.1
✓ Choose from 10-, 15-, 20-, and 30-year fixed terms5-8
Simple online application. One-on-one help.
Buying a home shouldn’t be so painful–our online application is simple, and we have dedicated Mortgage Loan Officers to guide you through the process from start to finish.
Down payments as low as 3% for first-time borrowers, or as low as 5% for all other borrowers.
3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to all other borrowers. For conforming home loans with a loan-to-value (LTV) ratio greater than 80%, SoFi requires PMI. Private Mortgage Insurance (PMI) is an insurance that protects lenders in the event of loan default.
5 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 5.990%, LTV 80% is $2168.00 for full Principal and Interest Payments with $5361.22 due at closing. The Annual Percentage Rate is 6.216%. 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 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.750%, LTV 80% is $2542.00 for full Principal and Interest Payments with $6197.44 due at closing. The Annual Percentage Rate is 6.077%. 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 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $2886.00 for full Principal and Interest Payments with $5556.70 due at closing. The Annual Percentage Rate is 5.502%. 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 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $3862.00 for full Principal and Interest Payments with $5549.46 due at closing. The Annual Percentage Rate is 5.663%. 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.
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