Quick question: When's the last time you checked your mortgage rate?

Rates change. Change with them.

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Log in ›     Hey Janet, Tired of staring at the same mortgage rate? That pesky little percentage could have an oversized impact on your budget every month. It's time to check if there's a lower one. And it only takes a few minutes. We like to call that: Time well spent. With rates improving and your equity likely growing, there's no reason not to check. Get a personalized mortgage rate when you refi with SoFi. It's yours for the taking and it could lower how much you're paying. Most homeowners don't realize how much things have changed until they actually check. So let's change that. A personalized rate check could reveal:     A potentially lower rate Lower monthly payments Cash-out options you didn't know you had Whether now is the right time to refi     Join the other 130,000+ homeowners that chose SoFi to purchase or refinance their mortgages.¹ With a simple, online application and industry-leading speed², we help make the whole process surprisingly less painful. Your new rate is ready when you are.     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. 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. 1 Wyndham Capital Mortgage has merged with SoFi. 2 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). 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: 3242950 HL25-3242950-L