Home Mortgage Loans
Purchase your dream home: Competitive home mortgage options.
View your rate and make your offer stand out with2 Letter from SoFi.
a Verified PreapprovalClose On Time Guarantee
Offer backed by $10,0001
Verified Preapproval Letter
Maker your offer stand out2
Low down payment options
Put as little as 3%-5% down3
SoFi requires Private Mortgage Insurance (PMI) for conforming conventional home loans with a loan-to-value (LTV) ratio greater than 80%. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.Earn cash back
Get up to $9,500 after you close on your home.4 Average cash back received is $1,700.
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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.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.
Unlock your home's potential
Access up to $500K of your home's equity and save on rates.
HELOC Home Equity
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.
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.
Need help finding the best option for your unique needs? Get in touch with a Mortgage Loan Officer at (844)-763-4466.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.
Run the numbers with our mortgage calculators.
See how much home you can afford and explore different down payment options.
Home Affordability Calculator Mortgage Payment Calculator
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.
5.625%Rate
6.263%APR
5.750%Rate
6.188%APR
6.375%Rate
6.732%APR
6.625% Rate
6.897% APR
All APRs are updated daily
Need help finding the best option for your unique needs? Get in touch with a Mortgage Loan Officer at (844)-763-4466.
Best-in-class mortgage options built around you.
Mortgage Refinance
Refinancing could help you save money with a shorter term, lower rate, or lower monthly payments.
Cash-Out Refinance
A cash-out refinance allows you to refinance your mortgage and borrow money at the same time.
HELOC
Turn your home equity into cash for consolidating debt or making home improvements.
Jumbo Loans
A jumbo loan exceeds the dollar limits set by the FHA and may be needed in expensive housing areas.
VA Loans
VA home loans with exclusive rates and no down payment requirements for active personnel, veterans, and reservists.13
FHA Loans
Whether you have less-than-perfect credit or less cash on hand for a down payment, an FHA loan can help you finance the home you want.14
Learn more about buying a home.
Got questions about your mortgage loan? Mortgage lender? Home loan options? Here are a few resources to help.
FAQs
Explore your mortgage loan options in minutes.
Your time matters. View personalized mortgage loan rates in minutes.
5 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.625%, LTV 80% is $2318.00 for full Principal and Interest Payments with $7236.00 due at closing. The Annual Percentage Rate is 6.897%. 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 6.375%, LTV 80% is $2672.00 for full Principal and Interest Payments with $7345.00 due at closing. The Annual Percentage Rate is 6.732%. 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 5.750%, LTV 80% is $3006.00 for full Principal and Interest Payments with $7331.00 due at closing. The Annual Percentage Rate is 6.188%. 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 5.625%, LTV 80% is $3951.00 for full Principal and Interest Payments with $7616.00 due at closing. The Annual Percentage Rate is 6.263%. 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.