^†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 August 1, 2023.

SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank, N.A. is currently NOT able to accept applications for refinance loans in NY.

*SoFi $10 Check Your Rate on a Home Loan Promotion (“Promotion”): The Promotion is offered by SoFi Bank, N.A. SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. No purchase necessary to participate. Additional terms and conditions may apply. Promotion is void where prohibited by state law.

Eligible Participants: The Promotion is open to anyone who resides within the United States and is of the age of majority in the state in which they reside. To receive a $10 bonus in a SoFi Checking and Savings account through the Promotion you must check your rate at SoFi.com for a SoFi Home Loan by 8/‍25/‍2023. To check your rate, you must authorize SoFi to obtain a credit report. Checking your rate will not affect your credit score. If you later decide to submit an application and agree to a “hard” credit request your credit score may be impacted. Participants will receive the $10 bonus regardless of whether or not they are pre‑qualified for a SoFi home loan. In order to be eligible for the promotion, the participant must either have an existing SoFi Money or SoFi Checking and Savings account, or apply to open a SoFi Checking and Savings account by 8‍25/‍2023. Those who have received a $10 or $20 bonus for checking their rate on a Personal Loan, Student Loan Refinance or Home Loan in the 2023 calendar year are not eligible for this promotion. SoFi reserves the right to exclude any consumer from participating in the Promotion for any reason, including suspected fraud, misuse, or suspicious activities. Payout: Eligible participants who have a SoFi Checking and Savings or SoFi Money® account will receive the $10 bonus within a SoFi Checking account on 9‍26‍2023. If the participant does not have a SoFi Checking and Savings or SoFi Money account, they must apply for SoFi Checking and Savings in order to receive payout. If the participant is rejected for a SoFi Checking and Savings account, SoFi will fulfill the bonus via ACH transfer pending completion of a W9 form by the applicant. Taxes: 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.

^{^}Special Pricing: Available only on 30-year conforming purchase transactions. Rates can vary and are not guaranteed until locked. When you lock in your rate, the purchase loan special pricing will be reflected in the rate you are provided. SoFi reserves the right to change or terminate this offer at any time with or without notice to you.

¹No Admin Fee Refi: Obtain a SoFi Mortgage for the purchase of a home and SoFi will waive its administrative fee when you refinance. Based on regulatory requirements, the name of this fee may vary in certain states. Eligibility conditions: (1) You must close your new purchase mortgage by June 30, 2024; and (2) at the time of refinancing, the current market interest rate must be at least 1% less than the interest rate of the original loan; and (3) To redeem this offer, you must request waiver of the administrative fee at the time you apply for the refinancing loan and prior to locking your rate. This offer is limited to 1 refinance transaction per person. Refinance transaction must occur by December 31, 2024. SoFi reserves the right to change or end this offer at any time.

²Lock and Look program: Terms and conditions apply. Applies to conventional purchase loans only. Rate will lock for 90 calendar days at the time of preapproval. Credit card information to maintain the lock must be received within 7 calendar days of preapproval, or the lock will be forfeited. If you have not submitted a fully executed purchase contract within 60 days of your initial rate lock, you will be charged 0.25% of the loan amount. When you close with SoFi, the 0.25% fee will be credited back to you at the time of closing.

If you submit a fully executed purchase contract within 30 days of the initial rate lock, SoFi will automatically reduce the interest rate by an additional 0.125% at no cost. If current market pricing improves by 0.75 percentage points or more from the original locked rate, you may request your loan officer to review your loan application to determine if you qualify for an additional rate reduction. SoFi reserves the right to change or terminate this offer at any time with or without notice to you.

³SoFi 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.