Home Mortgage Loans

Purchase your dream home:
Competitive home mortgage options.

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Checking your rate will not affect your credit score†︎.

View your rate and make your offer stand out with
a Verified Preapproval2 Letter from SoFi.

View your rate

Checking your rate will not affect your credit score†︎.

  • Close 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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Personalized mortgage solutions
to achieve your goals.

10M++
SoFi members nationwide

$9.4B+
in funded mortgage loans

130K+
homeowners served11

2.3M+
in rewards earned12

Named the Best Mortgage Lender for Saving Money by CNBC Select.§

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.

Heloc illustration

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.

Create a budget based on an interest rate and monthly payment you can afford.
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 best fit.
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 debit-to-income ratio is a good indicator of how much home you can afford.
Why DTI matters

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

View your rate

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.

View your rate

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.

Personal loans calculator illustration

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.

10-year fixed⁵

5.750%Rate

6.333%APR

15-year fixed⁶

5.750%Rate

6.210%APR

20-year fixed⁷

6.375%Rate

6.746%APR

30-year fixed⁸

6.750% Rate

7.021% APR

All APRs are updated daily

View your rate

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

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

Explore your mortgage loan options in minutes.

Your time matters. View personalized mortgage loan rates in minutes.

View your rate

5 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.750%, LTV 80% is $2348.00 for full Principal and Interest Payments with $7139.00 due at closing. The Annual Percentage Rate is 7.021%. 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 $7732.00 due at closing. The Annual Percentage Rate is 6.746%. 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 $7808.00 due at closing. The Annual Percentage Rate is 6.210%. 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 5.750%, LTV 80% is $3974.00 for full Principal and Interest Payments with $6722.00 due at closing. The Annual Percentage Rate is 6.333%. 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.