I want a home, but where do I start?

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Log in ›     HOME MORTGAGE LOANS     Demystify home buying with support from SoFi.     Learn More     Janet, we know that whether you're buying your first home or second home, your journey begins with a single step. If you're not sure where to get started, we're here to help, no matter what you're looking for.     Not quite ready to apply?     • Are you lying awake at night worrying, "Will I qualify for a mortgage?" Demystify the process with our guide with tips on qualifying for a mortgage. Learn more • Don't let your credit score keep you awake either, learn more about what credit score you need to get your dream home. Learn more • Prequalified, preapproved, oh my! Learn more about the differences and what each means for your home-buying journey. Learn more • Buying your first home should be a dream, not a nightmare. Understanding your advantages being a first-time home buyer and figuring out how to be financially ready is key. Learn more with our guide.     Still looking for more information? Check out more SoFi Learn articles to feel confident about taking the first step in getting your home (and your money) right.     Learn More     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. 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 February 1, 2026. SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. 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: 3010364