You live with mortgages for years. Get your next one right, Janet

You could get the mortgage of your dreams with SoFi.

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Log in ›     Dream better with SoFi.     Even a dream home can keep you up at night if you haven't gotten your mortgage right. So here are three big differences between mortgage nightmares and mortgage dreams to keep in mind.     1. Dream mortgages find ways to help you save today and tomorrow. SoFi Home Mortgage Loans have competitive rates, low down payment options1, and member discounts at closing.2 Plus, you can refi with SoFi later with no origination fee3, if rates improve down the road. 2. Nightmare mortgages can be all "rate" and no "great." If a mortgage is only focused on a rate with no great benefits, service, or plans for your future, is it really trying to take care of you over time? 3. Dream mortgages have so many benefits you can count them to rest easy. Beyond all the ways to save, your SoFi Mortgage includes all the rewards and benefits of SoFi membership. Plus, you'll get a dedicated Mortgage Loan Officer to guide you each step.  Mortgages—good or bad—stay with you for years. So why not start out right 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 down payment options: 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. 2Member 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.   3No 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. 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-C