📰 Are you overpaying on your mortgage? Nearly 1 in 5 homeowners could save.

See how much you could save with a lower rate.

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Log in ›     MORTGAGE REFINANCE     You may be overpaying on your mortgage     View your rate     Checking won’t affect your credit score.†     The refinancing landscape has shifted —and many homeowners now have an opportunity to lower their monthly payment.     Why now?     In fact, nearly 1 in 5 homeowners could benefit from refinancing - the highest level in over four years1. With rates recently hitting multi-year lows, this window may not last long.     What this could mean for you?     • Lower monthly payment • Reduced interest over the life of your loan • More flexibility in your budget     Why SoFi?     • Competitive rates • Simple, online application • Industry-leading speed2 to unlock savings faster     If you’ve been waiting for the right time, this could be it. A quick rate check could lead to meaningful savings.     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 May 1, 2026. SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. 1 Based upon a report published by Redfin, “1 in 5 Homeowners With a Mortgage Could Save Money By Refinancing”, March 12, 2026, including cited data that (19.8%) U.S. homeowners with a mortgage could save money by refinancing to a lower rate. Calculations are based on a 6.08% mortgage rate. A homeowner is “in the money”—meaning they could save money by refinancing—if their current mortgage rate is at least 50 basis points above the prevailing mortgage rate; for instance, if they have a 6.5% mortgage rate and the prevailing rate is 6%. SoFi Technologies, Inc. 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. 2 Industry average is based on Curinos competitive market data from October 2025 to December 2025. 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: 3904100 HL25-2428050-A