SoFi Blog

Tips and news—
for your financial moves.

Jul
26
2023

Your Rich BFF | SoFi

By | 1_Web_Banking | Comments Off on Your Rich BFF | SoFi

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Everyone deserves up to 3.60% APY and up to $300 with direct deposit.1

Reach your money goals by opening a SoFi Checking
and Savings account today!


Open an account

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Better banking can
fast track your money goals.


Open an account

No account fees2

No overdraft fees. No minimum balance fees. No monthly fees.

Up to 3.60% APY1

Members with direct deposit can earn 3.60% APY on their savings balances.

Up to 2-day-early-paycheck3

Feel the magic of payday up to two days earlier—automatically—when you set up direct deposit.

No-fee overdraft coverage4

Overspent by accident? No problem. You’ll be covered up to $50 with
no fees with qualifying direct deposits.

Automatic Savings Features

Organize your money, set savings goals, and save your change with Vaults and Roundups.

Additional FDIC coverage5

Access additional FDIC insurance up to $2M on deposits through a seamless
network of participating banks. Learn more and opt in here.


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Accelerate your savings by earning up to 3.60% APY.
1

Here’s a Your Rich BFF approved way to build your savings: Earning 3.60% APY on your money in your SoFi savings account and Vaults.


Open an account


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richer lives



richer lives

richer lives


I’m sitting down with inspiring guests to ask them everything you’ve ever wanted to know about their careers, ambitions, and finances. Tune in on YouTube to watch these conversations that will teach you how to use money to live your best life!






Watch and subscribe

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Watch and subscribe

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{/* Psssst, here are some more money secrets for my BFFs */}

Psssst, here are some more
money secrets for my BFFs.

(aka even more benefits included with better banking.)

Financial Planning

Personalized advice from credentialed advisors, even if you’re not rich-yet.

Financial Insights

Keep tabs on your money by connecting and viewing all of your accounts in the SoFi App.

Member Rewards7

Because SoFi and I believe you deserve a little treat for meeting your money goals.


Open an account

Read more
Jul
26
2023

Registration Page | Student Loan Refinancing

By | 1_Web_SLR | Comments Off on Registration Page | Student Loan Refinancing

See light at the end of your student loans.

Refi with SoFi. You could save thousands and get to your goals faster.^



  • Competitive fixed rates



  • Absolutely no fees



  • You could save thousands with a lower rate or monthly payment

See light at the end of your student loans.

Refi with SoFi. You could save thousands and get to your goals faster.^



  • Competitive fixed rates



  • Absolutely no fees



  • You could save thousands with a lower rate or monthly payment.

Read more
Jul
25
2023

DM – HL Prospect Trigger

By | 1_Web_ML | Comments Off on DM – HL Prospect Trigger

With a SoFi Mortgage,
You’re eligible for a
$1,000 cash bonus.*

Here’s a great reason to choose SoFi for your next home
purchase or refi. Get a $1,000 cash bonus into a SoFi Checking
and Savings account once your loan is funded! Start by viewing your
rate-it takes minutes and won’t affect your credit score.†

View your rate

Don’t worry—checking your rate will not affect your credit score.†


Why SoFi

Mortgages?

Help when you need it.

Our Mortgage Loan Officers (MLOs) can guide you through the process—and we have member specialists standing by to answer any other questions.

Flexible loan options

✓ 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.

Low down payment options

Down payments as low as 3% for first-time borrowers, or as low as 5% for other borrowers.^

Private Mortgage Insurance (PMI) is an insurance that protects lenders in the event of loan default.

^ SoFi requires PMI for conforming home loans with a loan-to-value (LTV) ratio greater than 80%.

Lock in today’s low rate and find the home you love.

Our new Lock and Look feature² allows you to lock in your low rate for 91 days while you search for the perfect place to call home.

View your rate

Close. On. Time.

Guaranteed.

You deserve a more zen mortgage. Our Mortgage Loan Officers are personally dedicated to closing your loan on-time – backed up by a $5,000 guarantee offer.‡

View your rate

⁵ 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.000%, LTV 80% is $2170.00 for full Principal and Interest Payments with $5802.86 due at closing. The Annual Percentage Rate is 6.238%. 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 5.875%, LTV 80% is $2567.00 for full Principal and Interest Payments with $5915.08 due at closing. The Annual Percentage Rate is 6.194%. 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 $5781.14 due at closing. The Annual Percentage Rate is 5.512%. 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 5.250%, LTV 80% is $3884.00 for full Principal and Interest Payments with $5180.22 due at closing. The Annual Percentage Rate is 5.766%. 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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SoFi Daily

Stay up to date on the latest business news and stock market happenings.

Learn more

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.

INVESTMENTS: NOT FDIC INSURED • HAVE NO GUARANTEE • MAY LOSE VALUE. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA /SIPC . Clearing and custody of all securities are provided by APEX Clearing Corporation. For more information, please see SoFi Wealth LLC’s Form ADV Part 2 by clicking here for SoFi's Wealth Form ADV Part 2 A&B or by visiting www.adviserinfo.sec.gov .
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