Terms apply. Before you obtain a SoFi Mortgage, please note that not all products are provided in all states, and all loans go through eligibility restrictions and limitations, including requirements connected to loan candidate's credit, earnings, residential or commercial property, and loan quantity. Minimum loan amount is $75,000. Lowest rates are scheduled for the most creditworthy debtors. Products, rates, benefits, terms, and conditions undergo alter without notice. Learn more at SoFi.com/ eligibility-criteria. Information present as of 8/20/25. SoFi Mortgages originated through SoFi Bank, N.A., NMLS # 696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank, N.A. is presently able to issue and re-finance mortgages in all states other than purchase only for New york city. § CNBC Select makes its choice, which you can see here, based upon their own methodology. 1 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 agreement accepted by SoFi, and the hold-up is due to SoFi, SoFi will give you a credit towards closing expenses or extra expenditures triggered by the hold-up in closing of approximately $10,000. * The following terms and conditions apply. This Guarantee is offered only for loan applications submitted after 04/01/2024. Please talk about terms of this Guarantee with your loan officer. The mortgage needs to be a purchase transaction that is authorized and moneyed by SoFi. This Guarantee does not apply to loans to purchase bank-owned residential or commercial properties or short-sale transactions. To get approved for the Guarantee, you should: (1) Sign up for access to SoFi's online website and upload all asked for files, (2) Submit files requested by SoFi within 5 company days of the initial demand and all extra doc demands within 2 organization days (3) Submit an executed purchase contract on a qualified residential or commercial 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 (one month for VA loans; 40 days for Jumbo loans), (4) Lock your loan rate and please all loan requirements and conditions a minimum of 5 business days prior to your closing date as verified with your loan officer, and (5) Spend for and schedule an appraisal within two days of the appraiser first calling you by phone or email. This Guarantee will not be paid if any delays to closing are attributable to: a) the debtor(s), a 3rd party, the seller or any other factors beyond SoFi control; b) if the info offered by the debtor(s) on the loan application could not be confirmed or was inaccurate or insufficient; c) trying to satisfy federal/state regulatory requirements and/or firm standards; d) or the closing date is missed out on due to disasters outside the control of SoFi. SoFi may alter or terminate this deal at any time without notice to you. * To redeem the Guarantee if conditions satisfied, see documents supplied by loan officer.

2Verified Preapproval Letter: Terms use. See conditional preapproval letter for information. Not a last loan approval and not a dedication to lend.

3Low deposit options: SoFi requires Private Mortgage Insurance (PMI) for conforming mortgage with a loan-to-value (LTV) ratio greater than 80%. As little bit as 3% down payments are for certifying novice property buyers only. 5% minimum uses to other debtors. Other loan types may need various fees or insurance (e.g., VA financing fee, FHA Mortgage Insurance Premiums, etc). Loan requirements may vary depending on your deposit amount, and minimum down payment differs by loan type.

4Up to $9,500 cash back: HomeStory Rewards is provided by HomeStory Real Estate Services, a certified realty broker. HomeStory Real Estate Services is not affiliated with 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 take part in the program offered by HomeStory Real Estate Services. The borrower might schedule funding with any lender. Rebate amount based upon home list price, see table for details.

Qualifying for the reward needs utilizing a genuine estate agent that takes part in HomeStory's broker to broker arrangement to complete the realty buy and/or sell transaction. You maintain the right to negotiate buyer and or seller representation contracts. Upon effective close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been individually vetted by HomeStory to fulfill performance expectations needed to take part in the program. If you are presently working with a REAL ESTATE AGENT ®, please neglect this notification. It is not our intention to solicit the offerings of other REALTORS ®. A benefit is not readily available where restricted by state law, including Alaska, Iowa, Louisiana and Missouri. A minimized agent commission might be offered for sellers in lieu of the benefit in Mississippi, New Jersey, Oklahoma, and Oregon and ought to be talked about with the representative upon registration. No benefit will be readily available for purchasers in Mississippi, Oklahoma, and Oregon. A commission credit may be offered for purchasers in lieu of the benefit in New Jersey and need to be gone over with the agent upon registration and included in a Purchaser Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be provided by present card. HomeStory will issue the benefit using the payment alternative you select and will be sent out to the client registered in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably needed to compute the appropriate reward amount. Property agent costs and commissions still use. Short sale deals do not qualify for the benefit. Depending upon state regulations highlighted above, reward amount is based on sale price of the home purchased and/or offered and can not go beyond $9,500 per buy or sell deal. Employer-sponsored relocations might preclude involvement in the reward program offering. SoFi is not accountable for the benefit. SoFi Bank, N.A. (NMLS # 696891) does not perform any activity that is or might be interpreted as unlicensed property activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to carry out real estate activity. If your residential or commercial property is presently noted with a REAL ESTATE AGENT ®, please disregard this notification. It is not our intention to get the offerings of other REALTORS ®. Reward is valid for 18 months from date of registration. After 18 months, you must re-enroll to be eligible for a reward. SoFi loans based on credit approval. Offer subject to change or cancellation without notification. The hallmarks, logos and names of other companies, services and products are the residential or commercial property of their respective owners. 9Faster Than Industry Average Close: SoFi's average time to close a purchase loan transaction is 32 days - 17 days and 16% faster than the market average (based on competitive market data supplied by Curinos representing half of all retail mortgage originations in the U.S. for the previous 90 days as of 8/28/2023).

10HELOC/Home Equity: SoFi Bank, N.A. NMLS # 696891 (Member FDIC), provides loans directly or we might assist you in obtaining a loan from SpringEQ, a state accredited loan provider, NMLS # 1464945.

All loan terms, fees, and rates may vary based upon your specific financial and individual situations and state. You should consider and go over with your loan officer whether a Squander Refinance, Home Equity Loan or a Home Equity Line of Credit is proper. Please note that the SoFi member discount does not use to Home Equity Loans or Lines of Credit not originated by SoFi Bank. Conditions will apply. Before you apply, please note that not all products are used in all states, and all loans go through eligibility constraints and restrictions, consisting of requirements related to loan applicant's credit, income, residential or commercial property, and a minimum loan amount. Lowest rates are scheduled for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Find out more at SoFi.com/ eligibility-criteria. Information present as of 10/3/24. In case SoFi works as broker to Spring EQ for your loan, SoFi will be paid a charge. 11130,000+ Served: Wyndham Capital Mortgage has merged with SoFi.

12SoFi Member Rewards: All terms applicable to using SoFi Member Rewards apply. To find out more about SoFi Member Rewards, please see the Rewards page. No points will be earned with respect to reversed deals, returned purchases, or other similar transactions. When you elect to redeem benefits points towards active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money ® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. Brokerage and Active investing items provided through SoFi Securities LLC, Member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

13VA Mortgage Loans: Veterans, Servicemembers, and members of the National Guard or Reserve may be qualified for a loan ensured by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documents, and other requirements. VA loans normally require a one-time financing charge except as might be exempted by VA standards. The fee may be funded or paid at closing. The amount of the cost depends upon the kind of loan, the total amount of the loan, and, depending on loan type, previous use of VA eligibility and deposit quantity. The VA funding fee is typically non-refundable. SoFi is not associated with any federal government agency.

14FHA Mortgage Loans: FHA loans are subject to distinct conditions developed by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to regular monthly Mortgage Insurance Premiums (MIP). Maximum loan quantities vary by county. The minimum FHA mortgage deposit is 3.5% for those who certify economically for a main purchase. SoFi is not connected with any federal government company.

* Member Discount: SoFi uses a one-time standard member discount rate on loans stemmed by SoFi Bank of $500 off the standard $1,495 origination cost for first lien mortgages and $200 off the $1,295 origination fee for home equity loan or line of credit. To be qualified for the discount rate, an individual needs to be a registered SoFi member at the time the mortgage application is authorized (indicated as "final approval"), and the applicant should have a current or previous SoFi Personal Loan, Student Loan, or SoFi Money or Checking/Savings account with account balance higher than $0, or be a SoFi Invest account holder with a balance greater than $10,000. Based on regulatory requirements, the name of the origination charge may vary in specific states.

In addition to the basic $500 Member discount rate, SoFi Plus Members are also eligible for an additional one-time discount on loans originated by SoFi Bank of $500 off the basic origination fee for very first lien mortgages and $200 off the $1,295 origination charge for a home equity loan or line of credit. To be qualified for the SoFi Plus Member discount, the Member must establish direct deposit into their SoFi Checking/Savings account at or before the time their mortgage application is approved (suggested as "authorized with conditions"). SoFi books the right to alter or terminate this discount rate at any time with or without notice. Discounts are not available on products or in states where no origination cost is evaluated to account for Texas and VA loans. The Discounts explained above are only offered for brand-new loans of a various type from loans formerly or currently held by the member. For instance, a person with an existing or prior SoFi mortgage or home equity loan or credit line is not eligible to get the Discount on another first-lien or second-lien loan. Consult your tax consultant to identify suitable tax effects. * Special Pricing: Available just on 30-year conforming purchase deals. Rates can differ and are not ensured until locked. When you secure your rate, the purchase loan unique rates will be shown in the rate you are provided. SoFi books the right to alter or terminate this deal at any time with or without notice to you. * No Admin Fee Refi: Obtain a SoFi Mortgage for the purchase of a home and SoFi will minimize your loan origination fee by $1,495 when you re-finance your loan with SoFi. You need to satisfy the following eligibility conditions: (1) You need to close on your brand-new purchase mortgage by 12/31/24; and (2) At the time of refinancing, the rates of interest for your loan (based upon market rates) must be at least 1% less than the rates of interest of the initial purchase loan; and (3) You need to request this credit at the time you obtain the re-finance loan and prior to locking your rate with SoFi, and (4) The re-finance transaction must nearby 12/31/25. This deal is limited to 1 re-finance transaction per person. The refinance deal must happen by 12/31/25. SoFi schedules the right to alter or end this deal at any time. Refi Pricing Special: Terms apply. The discount rate is just available for SoFi mortgage refinancings. To receive the discount rate, you must apply for, be approved by SoFi for, and lock your rate for a re-finance mortgage by 10/27/24. The discount rate will be shown in the rate you are offered at the time of rate lock. This discount can not be integrated with other offers, with the exception of the standard $500 Member discount and the $500 SoFi Plus Member discount rate. SoFi books the right to change or terminate this offer at any time with or without notification to you. Terms use. The discount is just offered for a SoFi mortgage re-finance. To get the discount, you should apply for, be approved for, and lock your rate for a refinance mortgage by 11/30/24. The discount rate will be reflected in the rate you are supplied at the time of rate lock. This discount can not be combined with other offers, with the exception of the standard $500 Member discount rate and the $500 SoFi Plus Member discount. SoFi reserves the right to change or terminate this offer at any time with or without notification to you. See personal privacy policy. Terms and conditions apply. The discount rate is just offered for SoFi purchase mortgage transactions only. To get the discount, you need to make an application for, be approved for, and lock your rate for a purchase mortgage by 4/30/25. The discount rate will be shown in the rate you are provided at the time of rate lock. This discount rate can not be combined with other deals, with the exception of the basic $500 Member discount and the $500 SoFi Plus Member discount rate. SoFi schedules the right to alter or terminate this deal at any time with or without notification to you. Temporary rate buydown programs provide an affordable regular monthly mortgage payment for a specified duration and are only readily available for customers approved for a 30-year fixed-rate purchase mortgage loan (traditional, FHA and VA only) who satisfy SoFi's minimum credit rating threshold for mortgage loaning. Temporary Buydowns might be funded through payments from the seller, the debtor or may be lending institution paid. In all cases, the quantity is set aside in an account to cover the difference in payment for the regard to the buydown. The circulation and use of the funds will be covered by a buydown arrangement to be signed at closing. A borrower(s) must qualify for the loan based on the regular monthly payment under the note rate, not the affordable payment amount. All necessary customer disclosures attended to the loan will be based upon the regards to the legal agreement, not on the buydown payment quantity. This quantity will be shown in the buydown arrangement.

To acquire a momentary rate buydown from a seller, the home seller or home-builder should accept a "seller concession" in a quantity figured out by SoFi according to the plan chosen (listed below). The seller concession is paid to SoFi at loan closing out of the proceeds of the home sale. If the loan is paid-off within the discount period, the remainder of the seller concession will be refunded to the customer. The debtor should work with a SoFi Mortgage Loan Officer to determine eligibility and to verify the quantity of the seller concession, which need to be agreed to by the seller. The customer will be required to sign a short-term rate buydown contract at closing. • 2/1 Buydown The customer's month-to-month payment for the first 12 months of the loan will be marked down by assuming the note rate is minimized by two percentage points (2%), then by assuming the note rate is reduced by 1% for months 13 through 24, then the regular monthly payment will be at the note rate in months 25 through pay-off. • 3/2/1 Buydown The debtor's month-to-month payment for the first 12 months of the loan will be discounted by assuming the note rate is decreased 3%, then by assuming the note rate is reduced by 2% for months 13 through 24, then lowered by 1% for months 24 to 36, then the regular monthly payment will be at the note rate in months 37 through pay-off. • 1/0 Buydown The borrower's month-to-month payment for the very first 12 months of the loan will be marked down by presuming the note rate is decreased 1%. The regular monthly payment will be at the note rate in months 13 through pay-off. Buydowns spent for from other sources might be available for some however not all of these terms.