All aboard: Next stop, homeownership.

We can already hear the keys jingling 🔑
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  Whether you're looking to buy your first home, second home, or refinance, SoFi is here to help you on your homeownership journey. Our online application is quick and easy. Plus, we have Mortgage Loan Officers standing by—ready to guide you every step of the way.  
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Get a dedicated loan officer to partner with you on making your dream home happen.
 
Enjoy knowing your costs with our transparent pricing.
 
Down payment options as low as 3% - 5% for purchase loans¹.
 
 
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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 July 1, 2025.

SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender.
¹ SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. 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.
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.

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All aboard: Next stop, homeownership. All aboard: Next stop, homeownership. Reviewed by PaidmeLLC on July 01, 2025 Rating: 5

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