📉 Janet, mortgage rates are at an 11-month low.

See how much you could save with a lower rate.

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Log in ›     HOME MORTGAGE LOANS     Rates at an 11-month low? Now that's headline-worthy.     View your rate     Deciding when to buy a home is one of the most exciting—and challenging—decisions you'll ever face, especially with unpredictable mortgage rates. But with rates now at an 11-month low, it could be the perfect time to act.     Why now?     Mortgage rates may not stay this low for long. And a lower rate today could mean more savings or lower payments versus waiting if rates rise again.     Why SoFi?     So many reasons. But for one, you can lock in your interest rate for 90 days¹, and rest easy you'll have time to find a great home with today's great rate.     Don't wait another 11 months. See what your rate could be now.     View your rate     Checking won't affect your credit score.†     Why get preapproved?     Pump up your home-buying power with a SoFi Verified Preapproval Letter.* Know exactly what you can afford. And show buyers you're serious, because your financing is secured.     Get preapproved       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. † 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 September 1, 2025. SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. 1 Lock and Look program: Terms and conditions apply. Applies to conforming, FHA, and VA 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. * Verified Preapproval Letter: Terms apply. See conditional preapproval letter for details. Not a final loan approval and not a commitment to lend. 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. w: 2520214 HL25-2428050-A