😍 Dream homes happen with SoFi Mortgages.

SoFi has the mortgage that works for you.

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Log in ›     What do you want in a mortgage?     View your rate     Special pricing for Montana homebuyers.^     Looking for savings?     Done and done. Save when you buy with special pricing^. Save later with a refi to get a lower rate with no admin fee*. No wonder CNBC Select named SoFi the Best Mortgage Lender for Saving Money in 2023.2     Looking for flexibility?     By locking in a great rate for up to 90 days‡, you'll have plenty of time to find the home you love. And our flexible term options include both fixed and adjustable rate mortgages** to find the loan that's right for you.     Look at SoFi.     We'll help you answer the most important question of all: How can you move into to your dream home now?     View your rate     ✔ BTW, it's a soft inquiry, so it won't affect your credit score.†       Have questions? Contact us   Download the SoFi app   SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue, as well as taking action as informed allies. 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 September 1, 2024. 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. ^ Special Pricing: Available only on 30-year conforming purchase transactions. Rates can vary and are not guaranteed until locked. When you lock in your rate, the purchase loan special pricing will be reflected in the rate you are provided. SoFi reserves the right to change or terminate this offer at any time with or without notice to you. * 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 12/31/2024; 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 12/31/2025. This offer is limited to 1 refinance transaction per person. The refinance transaction must occur by 12/31/25. SoFi reserves the right to change or end this offer at any time. 2 CNBC Select makes its selection, which you can see here, based on their own methodology. ‡ Lock and Look program: Terms and conditions apply. Applies to conforming purchase loans only. Rate will lock for 91 calendar days at the time of pre-approval. An executed purchase contract is required within 60 days of your initial rate lock. If current market pricing improves by 0.25 percentage points or more from the original locked rate, you may request your loan officer to review your loan application to determine if you qualify for a one-time float down. SoFi reserves the right to change or terminate this offer at any time with or without notice to you. ** ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5y/6m ARM, 7 years for a 7y/6m ARM, and 10 years for a 10y/6m ARM; the 6m shows that the interest rate is subject to adjustment once every six months thereafter). At the end of 60 months (5y/6m ARM), 84 months (7y/6m ARM), or 120 months (10y/6m ARM), the interest rate and monthly payment adjust. At adjustment, the new mortgage rate will be the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the Secure Overnight Financing Rate (SOFR) as published on the New York Fed website, plus a margin of 2.75% subject to annual and lifetime adjustment caps. † To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. SoFi Bank, N.A. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. SoFi Bank, N.A. 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121 Unsubscribe Privacy Policy Licenses © 2024 SoFi Bank, N.A. 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