SoFi’s underwriting approach may allow you to qualify for more financing than traditional lenders offer. We offer flexible down payments ranging from 10%-50% with straightforward rates and no PMI, lender fees, or origination fees.
Think of it as more house, less headache.
Put as little as 10% down with no borrower-paid mortgage insurance required.
See the rates you pre-qualify for online, in just two minutes.
Qualify for more financing with flexible debt-to-income limits.
Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.
No application, origination, or other lender fees. No pre-payment penalties.
Applications typically close in less than 30 days.