Living the dream. At home. With a dream mortgage.

You could get the mortgage of your dreams with SoFi.

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Log in ›     HOME MORTGAGE LOANS     Rest easy with a dream mortgage.     View your rate     It's time to wake up your mortgage dreams.     You buy the home once. But you live with the mortgage for years. So why we do we focus on the purchase but not the payments? Truth is—with such a long commitment together—you and your mortgage should fit like a dream.     How SoFi makes a dream mortgage real:     • Low down payment options: SoFi has down payment options as low as 3%-5%.1 And for a $350,000 home, that could mean keeping over $50,000 in your pocket if putting 20% down isn't right for you. • Save when savings are on the table: If rates are lower down the road, you could refinance with SoFi. • Fast, on-time closing: SoFi Mortgage Loan closings speed past the industry average2 and are backed by our special offer: a $10,000 On-Time Close Guarantee.3 • Member benefits: A SoFi Mortgage means you're a SoFi member, with all our member benefits like a $500 closing discount.4     On top of everything else, our dedicated Mortgage Loan Officers answer your questions and help you personalize your mortgage to fit your homebuying dreams. So why start out the next few decades anywhere else?     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 March 1, 2026. SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. 1 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. 2 Industry average is based on Curinos competitive market data from October 2025 to December 2025. 3 SoFi On-Time Close Guarantee: If all conditions of the Guarantee are met, and your loan does not close on or before the closing date on your purchase contract accepted by SoFi, and the delay is due to SoFi, SoFi will give you a credit toward closing costs or additional expenses caused by the delay in closing of up to $10,000.* The following terms and conditions apply. This Guarantee is available only for loan applications submitted after 04/01/2024. Please discuss terms of this Guarantee with your loan officer. The mortgage must be a purchase transaction that is approved and funded by SoFi. This Guarantee does not apply to loans to purchase bank-owned properties or short-sale transactions. To qualify for the Guarantee, you must: (1) Sign up for access to SoFi's online portal and upload all requested documents, (2) Submit documents requested by SoFi within 5 business days of the initial request and all additional doc requests within 2 business days (3) Submit an executed purchase contract on an eligible property with the closing date at least 25 calendar days from the receipt of executed Intent to Proceed and receipt of credit card deposit for an appraisal (30 days for VA loans; 40 days for Jumbo loans), (4) Lock your loan rate and satisfy all loan requirements and conditions at least 5 business days prior to your closing date as confirmed with your loan officer, and (5) Pay for and schedule an appraisal within 48 hours of the appraiser first contacting you by phone or email. This Guarantee will not be paid if any delays to closing are attributable to: a) the borrower(s), a third party, the seller or any other factors outside of SoFi control; b) if the information provided by the borrower(s) on the loan application could not be verified or was inaccurate or insufficient; c) attempting to fulfill federal/state regulatory requirements and/or agency guidelines; d) or the closing date is missed due to acts of God outside the control of SoFi. SoFi may change or terminate this offer at any time without notice to you. *To redeem the Guarantee if conditions met, see documentation provided by loan officer. 4 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. 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 © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 2877450 HL25-2523150-E