Also known as: SoFi Mortgage
SoFi offers home purchase mortgages and refinancing through its digital banking platform. SoFi started as a student loan refinancing company and has expanded into a broader range of financial products including mortgages, personal loans, credit cards, and investing.
SoFi commonly offers conventional purchase loans, jumbo loans for higher loan amounts, and refinancing. It does not typically offer FHA, VA, or USDA government-backed mortgage programs. This means SoFi may be better suited to borrowers with strong credit and the ability to qualify for conventional financing rather than those who benefit from government-backed products.
The mortgage process at SoFi is primarily online. There are no physical branch locations for mortgage consultations. Customer support is available through digital channels and by phone.
SoFi is a member of the Federal Home Loan Bank system and has a banking charter, which means it operates as a regulated financial institution. Existing SoFi members may receive interest rate discounts on mortgage products, though whether these discounts result in a competitive overall offer requires comparison.
Before choosing SoFi or any mortgage lender, compare Loan Estimate documents from at least two or three lenders. The key factors to review are the interest rate, annual percentage rate which reflects total costs, closing costs, origination fees, and the expected timeline from application to closing.
SoFi's member discount structure may appeal to borrowers already using SoFi for other financial products, but the most reliable test of any mortgage offer is a direct comparison against other lenders' Loan Estimates for the same loan amount and property type.
Quick info
Mortgage
SoFi Mortgage
SoFi Technologies, Inc.
FDIC-insured. Division of SoFi Bank, N.A.
2026-06-06
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Purchase mortgages; refinancing; jumbo loans
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Date checked
2026-06-06
How do I contact SoFi Home Loans about a hardship?
Contact SoFi Home Loans directly using the details on this page. Ask specifically about forbearance, repayment plans or loan modification options. Keep records of all communications. A HUD-approved housing counsellor can also help at no cost — find one at hud.gov/findacounselor.
What happens if SoFi Home Loans transfers my mortgage?
Mortgage servicers can transfer the servicing of your loan to another company. You must receive written notice before and after any transfer. Payments made to the old servicer within 60 days of a transfer cannot result in late fees. Verify any transfer notice through NMLS Consumer Access.
How do I dispute an error with SoFi Home Loans?
Send a written dispute to SoFi Home Loans detailing the error. Keep a copy. If the error is not resolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint.
How do I find a HUD-approved housing counsellor?
HUD-approved housing counsellors are free or low-cost and can help with mortgage trouble, foreclosure prevention and loss mitigation options. Find one at hud.gov/findacounselor or call 1-800-569-4287.
Can SoFi Home Loans foreclose on my home?
If mortgage payments are not made, a servicer or lender may initiate foreclosure proceedings. State laws govern the foreclosure process and timelines vary significantly. Contact a HUD-approved counsellor or Legal Aid organisation as soon as possible if you are struggling with payments.
HUD-approved housing counsellors can help at no cost. Use Ask Fin's free tools to get clearer about your full financial picture.
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