For a limited time, pay no origination fee with a SoFi Mortgage Refinance.

That's $1,495 in savings.

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Log in ›     MORTGAGE REFINANCE   We're waiving so you’re saving.     View your rate     ✔ Checking won’t affect your credit score.†     Janet, For a limited time, we’re waiving the origination fee on a SoFi Mortgage Refinance, putting $1,495 in savings right back into your pocket.¹     Along with a $0 origination fee, a SoFi Mortgage Refinance features:     • Competitive rates. See if you could replace your current mortgage with a lower interest rate—you could save big over the life of your mortgage. • Flexible term options. Select from 10-, 15-, 20-, or 30-year term options.² Or pick your own custom term to fit your budget. • Simplicity and transparency. From our easy online application to our clear, upfront pricing, what you see is what you get with SoFi.     Our $0 origination fee offer won’t last forever. Apply by 05/17/26 to get in on the 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 Terms and conditions apply. Only applicable for mortgage refinance applications received from 5/4/26 to 5/17/26. To be eligible you must not have submitted a mortgage refinance application within the preceding 90 days. Offer is subject to lender approval. Not eligible for Jumbo loan products. Cannot be combined with any other origination fee discount offers. SoFi reserves the right to change or terminate this offer at any time with or without notice. ² 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 5.990%, LTV 80% is $2168.00 for full Principal and Interest Payments with $5238.14 due at closing. The Annual Percentage Rate is 6.213%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice. 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.875%, LTV 80% is $2567.00 for full Principal and Interest Payments with $5165.74 due at closing. The Annual Percentage Rate is 6.167%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice. 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $2886.00 for full Principal and Interest Payments with $5600.14 due at closing. The Annual Percentage Rate is 5.504%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice. 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $3862.00 for full Principal and Interest Payments with $5625.48 due at closing. The Annual Percentage Rate is 5.668%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice. All information in the primary residence payment examples listed above – including interest rates, payments, terms, and availability – is for informational purposes only and is subject to change without notice. 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: 3160650 HL25-3160650-F