SoFi Mortgages

Haley Jones has the
home team advantage.

Basketball star Haley Jones is teaming up with us to buy her first home. See how SoFi could give you the play-by-play to dominate your home purchase.

View your rate

Checking your rate will not affect your credit score.†

What gives SoFi the edge?

View your rate

Checking your rate will not affect your credit score.†

Competitive rates

We’ll help you score a rate that fits your budget.

Low down payment options

Get down payments as low as 3%-5% for first-time homebuyers.1

Flexible term options

Choose from 10-8, 15-7, 20-6, and 30-year5 mortgage loan options.

Simple online application

Enjoy a quick and easy application process from any device.

Dedicated Mortgage Loan Officers

Get play-by-play guidance each step of the way.

Your pregame strategy to apply for a
SoFi Home Mortgage Loan.

Help game-plan your budget with an interest rate and monthly payment you could afford by using our Home Affordability Calculator

Learn how your credit score affects your interest rate and loan options.
Understand how credit works before buying.

Learn about the different mortgage loans available to you and find the right fit for you.
Types of mortgage loans

Figure out how much money you need to put down to qualify for a mortgage loan.
Down payment for an average home

Your debt-to-income ratio is a good indicator of how much home you could afford. Why DTI matters

Learn which forms are required for a mortgage loan application.
Required mortgage loan documents

View your rate

Checking won’t affect your credit score.†

Level up your home-buying game.

We’ve got a deep bench of resources to help you with your home purchase.

FAQs

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
There are a variety of different mortgage loan options 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.
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.
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.
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.
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.
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.
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

5 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 $6783.88 due at closing. The Annual Percentage Rate is 6.376%. 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 $6338.62 due at closing. The Annual Percentage Rate is 6.189%. 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 5.250%, LTV 80% is $2910.00 for full Principal and Interest Payments with $7721.46 due at closing. The Annual Percentage Rate is 5.699%. 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 $7142.26 due at closing. The Annual Percentage Rate is 5.854%. 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.