SoFi Mortgages may be originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC) or through SoFi Lending Corp., NMLS #1121636. SoFi Lending Corp. is licensed by the Department of Financial Protection and Innovation under the California Financing Law (License #6054612) and by other states. For more information on SoFi Lending Corp. licenses, see Licenses. Equal Housing Lender.
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 Checking and Savings is offered through SoFi Bank, N.A.
*$2,000 SoFi Mortgage or Mortgage Refinance Friends of SoFi Bonus Offer: Terms and conditions apply. Offer is subject to lender approval. The offer is only open to new SoFi Mortgage and Mortgage Refinance borrowers and may not be combined with other offers with the exception of the $500 mortgage processing fee discount. To receive the offer, you must: (1) register and apply through the link that you received for a SoFi Mortgage or Mortgage Refinance (2) lock your mortgage rate with SoFi and fund your mortgage or mortgage refinance loan; (3) have a SoFi Money account or have or open a SoFi Checking and Savings account within 60 days after starting a home loan application; and (4) meet SoFi’s underwriting criteria. Once conditions are met, your $2,000 welcome bonus will be deposited into your SoFi Checking and Savings or SoFi Money account within approximately 30 calendar days after earning the bonus. Eligible participants who have SoFi Checking and Savings accounts will receive the bonus within a SoFi Checking account. If the participant has a SoFi Money cash management account, and does not have a SoFi Checking and Savings account, the bonus will be deposited to SoFi Money. If you do not qualify for the SoFi Checking and Savings account, SoFi will offer payment via ACH transfer pending completion of a W9 form. Bonuses that are not redeemed within 60 calendar days of the date they were made available to the recipient may be subject to forfeit. 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.
HomeStory is a digital and virtual real estate company that matches consumers with agents and lending solutions best suited for their home-buying needs. The SoFi Real Estate Center, powered by HomeStory, is a one-stop real estate experience designed to help you navigate your home-buying journey with access to robust market insights, analytics, and a prescreened local agent through the HomeStory network.
^ HomeStory Rewards is offered by HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with SoFi Lending Corp. or SoFi Bank, N.A. (SoFi). SoFi is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from SoFi is optional and not required to participate in the program offered by HomeStory Real Estate Services. The borrower may arrange for financing with any lender. Rebate amount based on home sale price, see table for details.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Lending Corp. (NMLS #1121636) and SoFi Bank, N.A. (NMLS #696891) do not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.
Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.
SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
‡ 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 provide you $2,000.** Terms and conditions apply. This Guarantee is available only for loan applications submitted after 6/16/22 for the purchase of a primary residence. Please discuss terms of this Guarantee with your loan officer. The property must be owner-occupied, single-family residence (no condos), and the loan amount must meet the Fannie Mae conventional guidelines. No bank-owned or short-sale transactions. To qualify for the Guarantee, you must: (1) Have employment income supported by W-2, (2) Receive written approval by SoFi for the loan and lock the rate, (3) Submit an executed purchase contract on an eligible property at least 30 days prior to the closing date in the purchase contract, (4) Provide to SoFi (by upload) all required documentation within 24 hours of SoFi requesting your documentation and upload any follow-up required documents within 36 hours of the request, and (5) Pay for and schedule an appraisal within 48 hours of the appraiser first contacting you by phone or email. The Guarantee will be void and not paid if any delays to closing are due to factors outside of SoFi control, including delays scheduling or completing the appraisal appointment, appraised value disputes, completing a property inspection, making repairs to the property by any party, addressing possible title defects, natural disasters, further negotiation of or changes to the purchase contract, changes to the loan terms, or changes in borrower’s eligibility for the loan (e.g., changes in credit profile or employment), or if property purchase does not occur. 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.
† 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.
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