Sweet dreams are made of mortgages, Janet

You could get the mortgage of your dreams with SoFi.

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Log in ›     A dream mortgage, Janet? With SoFi, it could be for real.     Forget the sheep—count the ways a SoFi Home Mortgage could help you rest easy:     1. Low down payment options: Select from down payment options as low as 3%-5% for first-time homebuyers.1 And that could add up. For a $350,000 home, that could mean paying around $17K versus $70K with a 20% down payment. 2. Buy down your rate: You have options to temporarily lower your initial monthly payment2 and keep more cash on hand. 3. Save now:    Special pricing3 could help you save.                            4. Save later: Refinance with SoFi down the road if rates improve and pay no origination fee.4 5. Industry-leading speed: SoFi Mortgage Loans close faster than the industry average5 and are backed by the $10,000 On-Time Close Guarantee6 we offer. 6. Exclusive closing discounts: Members get $500. And SoFi Plus members get $1,000.7 7. Dreamy service: A dedicated Mortgage Loan Officer will help you customize your mortgage to you unlock every benefit possible. If you're not dreaming about your mortgage when you're dreaming about your next home, you're not with the right lender. Sleep easier with SoFi.     View your rate Checking won't affect your credit score.†       Have questions? Contact us   Download the SoFi app   † 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. 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. 1Low payment options: 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. 2Rate Buydown: SoFi offers borrowers the option to obtain a Temporary Rate Buydown, which means the borrower's monthly payment is discounted for a set period. Temporary Rate Buydown is only available for borrowers approved for a 30-year fixed-rate purchase mortgage loan (conventional) and with a credit score of 620 or above. To obtain a Temporary Rate Buydown, the home seller or home-builder must agree to a "seller concession" in an amount determined by SoFi according to the plan selected (below). The seller concession is paid to SoFi at loan closing out of the proceeds of the home sale. 2/1 Buydown The borrower's monthly payment for the first 12 months of the loan will be discounted by assuming the note rate is reduced by two percentage points (2%), then by assuming the note rate is reduced by 1% for months 13 through 24, then the monthly payment will be at the note rate in months 25 through payoff. 3/2/1 Buydown The borrower's monthly payment for the first 12 months of the loan will be discounted by assuming the note rate is reduced 3%, then by assuming the note rate is reduced by 2% for months 13 through 24, then reduced by 1% for months 24 to 36, then the monthly payment will be at the note rate in months 37 through payoff. 1/0 Buydown The borrower's monthly payment for the first 12 months of the loan will be discounted by assuming the note rate is reduced 1%. The monthly payment will be at the note rate in months 13 through payoff. Borrower(s) must qualify for the loan based on the monthly payment under the note rate, not the discounted payment amount. If the loan is paid off within the discount period, the remainder of the seller concession will be refunded to the borrower. The Borrower must work with a SoFi Mortgage Loan Officer to determine eligibility and to confirm the amount of the seller concession, which must be agreed to by the seller. The borrower will be required to sign a Temporary Rate Buydown Agreement at closing. 3Special Pricing: Terms and conditions apply. The discount is only available for SoFi purchase mortgage transactions only. The discount will be reflected in the rate you are provided at the time of rate lock. This discount cannot be combined with other offers, with the exception of the standard $500 Member discount and the $1000 SoFi Plus Member discount. SoFi reserves the right to change or terminate this offer at any time with or without notice to you. 4No admin fee refi: 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. 5Faster than average close: SoFi's average time to close is 36 days for a purchase transaction loan and 40 days for a refinance transaction loan – On average over 5 days faster than the industry average (based on competitive market data provided by EllieMae for the period of 01/01/2024 - 10/15/2024). 6SoFi 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 04/01/2024. 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. 7Member discount:SoFi offers a one-time standard member discount on loans originated by SoFi Bank of $500 off the standard $1,495 origination fee for a home purchase or refinance mortgage and $200 off the $1,295 origination fee for home equity loan or line of credit. To be eligible for the discount, a person must be a registered SoFi member at the time the home loan application is approved (indicated as "final approval"), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. Based on regulatory requirements, the name of the origination fee may vary in certain states. In addition to the standard SoFi member discount, SoFi Plus members are also eligible for an additional one-time discount on loans originated by SoFi Bank of $500 off the standard origination fee for a home purchase or refinance mortgage. To be eligible for the SoFi Plus member discount, the member must receive Eligible Direct Deposit (defined below and when recognized by SoFi) into their SoFi Checking and Savings account or pay the SoFi Plus Subscription Fee, at or before the time their home loan application is approved (indicated as "final approval"). Eligible Direct Deposit means a recurring deposit of regular income to an account holder's SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder's employer, payroll or benefits provider or government agency ("Eligible Direct Deposit") via the Automated Clearing House ("ACH") Network during a 30-Day Evaluation Period (as defined below). Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're receiving the discount on SoFi home loan closing, we encourage you to check your SoFi Plus status in the Membership & Rewards Center the day after your Eligible Direct Deposit arrives. If your SoFi Plus status is not reflected in the Membership & Rewards Center, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start receiving the discount on SoFi home loan closing from the date you contact SoFi for the rest of the current 30-Day Evaluation Period. You will also be eligible for the discount on SoFi home loan closing on future Eligible Direct Deposits, as long as SoFi Bank can validate them. Deposits that are not from an employer, payroll or benefits provider, or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. SoFi Plus member benefits will be lost during periods in which the customer has turned off Eligible Direct Deposit into their account. If you are a joint account holder of a SoFi Checking and Savings account and either you or your joint account holder receives Eligible Direct Deposit into your SoFi Checking and Savings account, then you will be eligible for all SoFi Plus benefits, including on accounts you hold in your own name. SoFi reserves the right to change or terminate this discount at any time with or without notice. Discounts are not available on products or in states where no origination fee is assessed including Texas and VA loans. The Discounts described above are only available for new loans of a different type from loans previously or currently held by the member. For example, a person with an existing or prior SoFi mortgage or home equity loan or line of credit is not eligible to receive the Discount on another first-lien or second-lien loan. Consult your tax advisor to determine applicable tax consequences.   SoFi Plus: SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Eligible Direct Deposit or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page. Screen images simulated. For illustrative purposes only. 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 © 2025 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. WF:2523150 HL25-2523150-B