Why Us?
Get Your Money Right®. We are a modern mortgage lender that provides unmatched customer service from application to close. Becoming a member grants access to exclusive benefits that are designed to help get your money right. We provide great value, service and convenience through trust, technology and transparency.
Membership Benefits:
- No processing or underwriting fees
- Comprehensive suite of financial tools within convenient mobile app
- On-Time Closing Guarantee*
- Exceptional customer service with fast turn times
- Buy now, save later refinance perks*
- Bi-weekly payment options and re-casting on most loans
- Priority Purchase Program to increase negotiating power
- Cash incentives after closing*
- Temporary and permanent rates buydowns
Disclosures
- SoFi On-Time Close Guarantee: If all conditions of the Guarantee are met, and your loan does not close on or before the closing date on your purchase contract accepted by SoFi, and the delay is due to SoFi, SoFi will give you a credit toward closing costs or additional expenses caused by the delay in closing of up to $10,000.* The following terms and conditions apply. This Guarantee is available only for loan applications submitted after 4/1/24. Please discuss terms of this Guarantee with your loan officer. The mortgage must be a purchase transaction that is approved and funded by SoFi. This Guarantee does not apply to loans to purchase bank-owned properties or short-sale transactions. To qualify for the Guarantee, you must: (1) Sign up for access to SoFi’s online portal and upload all requested documents, (2) Submit documents requested by SoFi within 5 business days of the initial request and all additional doc requests within 2 business days (3) Submit an executed purchase contract on an eligible property with the closing date at least 25 calendar days from the receipt of executed Intent to Proceed and receipt of credit card deposit for an appraisal (30 days for VA loans; 40 days for Jumbo loans), (4) Lock your loan rate and satisfy all loan requirements and conditions at least 5 business days prior to your closing date as confirmed with your loan officer, and (5) Pay for and schedule an appraisal within 48 hours of the appraiser first contacting you by phone or email. This Guarantee will not be paid if any delays to closing are attributable to: a) the borrower(s), a third party, the seller or any other factors outside of SoFi control; b) if the information provided by the borrower(s) on the loan application could not be verified or was inaccurate or insufficient; c) attempting to fulfill federal/state regulatory requirements and/or agency guidelines; d) or the closing date is missed due to acts of God outside the control of SoFi. SoFi may change or terminate this offer at any time without notice to you. *To redeem the Guarantee if conditions met, see documentation provided by loan officer.
- Buy now, save later refinance perks: Obtain a SoFi Mortgage for the purchase of a home and SoFi will reduce your loan origination fee by $1,495 when you refinance your loan with SoFi. You must meet the following eligibility conditions: (1) You must close on your new purchase mortgage by 12/31/2025; and (2) At the time of refinancing, the interest rate for your loan (based on market rates) must be at least 1% less than the interest rate of the original purchase loan; and (3) You must request this credit at the time you apply for the refinance loan and prior to locking your rate with SoFi, and (4) The refinance transaction must close by 12/31/2026. This offer is limited to 1 refinance transaction per person. SoFi reserves the right to change or end this offer at any time.
Terms and conditions apply. Before you apply for a SoFi Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount. Minimum loan amount is $75,000. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of 3/12/25.
SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank, N.A. is currently able to issue and refinance mortgages in all states except Hawaii and purchase only for New York.
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