Great News: You’re Prequalified for a Mortgage Refinance!

Your offer is ready.

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Log in ›     MORTGAGE LOANS     Save now when you refinance your mortgage with SoFi.     View your rate     Janet, you've been preselected¹ for a SoFi Mortgage Refinance. Apply by 2/19/2026.     Have you been waiting for a better rate? Save now when you refi with SoFi.     When you refinance with SoFi you could:     • Lower your rate to save on monthly payments and over the life of your loan. • Personalize your loan term and pay down your mortgage sooner. • Eliminate your Private Mortgage Insurance (PMI). • Stack your savings: Get a $500 Member discount at closing.* $1,000 if you're a SoFi Plus Member.*     View your rate     Checking won't affect your credit score.†     To learn more, explore the Mortgage Page.       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. ¹ 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. Rates are subject to change based on market conditions and borrower eligibility. Learn more at SoFi.com/eligibility-criteria. Information current as of February 1, 2026. Must reply by 2/19/2026. SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. * Home purchase or refinance mortgage discount: SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage. SoFi Plus members are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage. Home equity loan discount: SoFi members are eligible for a one-time standard discount on loans originated by SoFi Bank of $200 off the $1,295 origination fee for home equity loan. SoFi Plus members are eligible for an additional one-time discount of $200 off the origination fee for home equity loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. To be eligible for the standard SoFi member discount, you 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. SoFi may change or terminate this discount at any time. The SoFi member and SoFi Plus Discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type. Consult your tax advisor to determine if the discounts have any tax consequences. ** PRESCREEN AND OPT-OUT NOTICE: You received this "prescreened" offer of credit because we used information from your credit report to determine that you satisfied certain criteria. This offer is not guaranteed if you do not meet our criteria. However, if you do not want to receive prescreened offers of credit from us and other companies, you may exercise the right to not be included on prescreened lists by calling the consumer reporting agencies toll-free at 1-888-5-OPTOUT (1-888-567-8688), visiting the website at www.optoutprescreen.com, or writing to: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505, Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013. 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 © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 3104864