Sweet dreams are made of mortgages, Janet.

You could get the mortgage of your dreams with SoFi.

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Log in ›     HOME MORTGAGE LOANS     Eat, sleep, and breathe house hunting. But dream mortgages.     View your rate     A dream mortgage, Janet? With SoFi, it could be for real.     Forget the sheep—count the ways a SoFi Home Mortgage could help you rest easy:     1. Low down payment options: Select from down payment options as low as 3%-5%.1 And that could add up. For a $350,000 home, that could mean paying around $17K versus $70K with a 20% down payment. 2. Save now: Members get $500. And SoFi Plus members get $1,000.2 3. Save down the line: Refinance with SoFi down the road if rates improve.3 4. Industry-leading speed: SoFi Mortgage Loans close faster than the industry average4 and are backed by the $10,000 On-Time Close Guarantee5 we offer. 5. Exclusive closing discounts: Get $1,000 when your loan funds by the end of the year.6 6. Dreamy service: A dedicated Mortgage Loan Officer will help you customize your mortgage to unlock every benefit possible.     If you're not dreaming about your mortgage when you're dreaming about your next home, you're not with the right lender. Sleep easier with SoFi.     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 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 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. Members who either (1) are a SoFi Plus subscriber, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage. To be eligible for the additional $500 discount, you must meet the eligibility criteria described above at the time the home loan application is approved (indicated as "final approval"). See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. 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 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. 3 Obtain a SoFi purchase mortgage and SoFi will add a pricing credit to reduce your origination fee when you refinance your loan with SoFi. You must meet the following eligibility conditions: (1) You must close on your new purchase mortgage by 12/31/2026; and (2) At the time of refinancing, the interest rate for your loan (based on market rates) must be at least 0.5% less than the interest rate of the original purchase loan, (3) You must request this credit at the time you apply for the refinance loan and prior to locking your rate with SoFi, (4) The refinance transaction must close no sooner than 8 months after the closing of the home purchase transaction and no later than 12/31/2027. (5) The refinance transaction must meet any applicable net tangible benefit requirement. This offer is limited to 1 refinance transaction per person. SoFi reserves the right to change or end this offer at any time. 4 Industry average is based on Curinos competitive market data from October 2025 to December 2025. 5 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. 6 $1,000 HE Funded Bonus Offer: This offer is only available for new SoFi-originated home equity loan. To receive the $1,000 offer you must: (1) Apply for a SoFi-originated home equity loan through the promotional 'View Your Rate' link in this ad. (2) You must not have locked a rate for a SoFi-originated home equity loan within the preceding 90 days. (2) Fulfill SoFi's eligibility criteria and lock your rate. (3) Fund your SoFi-originated home equity loan by 12/31/27. (4) Either have an existing SoFi Checking and Savings account or establish a new SoFi Checking and Savings account within 60 days after starting your home equity loan application. This offer cannot be combined with other offers, with the exception of the $200 standard Member discount and the additional $200 discount with SoFi Plus or eligible deposits. To be eligible for the discount with SoFi Plus or eligible deposits, the member must either (1) receive an Eligible Direct Deposit into their SoFi Checking/Savings account, (2) receive $5,000 or more in Qualifying Deposits into their SoFi Checking/Savings account, or (3) pay the SoFi Plus Subscription Fee, at or before the time their home equity loan application is approved (indicated as “final approval”). For complete SoFi Plus eligibility, please see the SoFi Plus terms. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Once conditions are met, your $1,000 bonus will be deposited into your SoFi Checking and Savings account within approximately 30 calendar days after your SoFi-originated home equity loan funds. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice to you. Additional terms may apply. SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page. 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: 3375269 HL25-2523150-B