Mortgage comparisons SoFi

SoFi · Bank

SoFi

Review published mortgage options and requirements, then request a personalized quote from the lender.

Availability: SoFi Bank, N.A. is currently able to issue and refinance mortgages in all states except purchase only for New York.

At a glance

Borrower type
Applicants must be U.S. citizens, permanent residents, or non-permanent resident aliens

Still to confirm: Property use, Credit requirement, Reserves.

Our take: Pros & Cons

What we like

  • Official mortgage eligibility includes certain non-permanent residents on eligible visas.
  • Fixed-rate mortgage options include 10-, 15-, 20- and 30-year terms.

What to consider

  • Credit, income, property and loan amount restrictions apply; minimum loan amount is $75,000.
  • New York availability is purchase only; other product availability varies by state.
  • Verify current borrower assumptions and rate freshness before relying on an advertised example.

AI-generated lender-level assessment based on published information. Not a verified assessment of SoFi Fixed-Rate Home Loan; confirm program-specific conditions below.

Newcomer requirements

SoFi Fixed-Rate Home Loan

Fit not assessed · Check fit

Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.

Residency / visa
Applicants must be U.S. citizens, permanent residents, or non-permanent resident aliens · SoFi also offers loans to certain non-permanent resident aliens on eligible visas.
State restrictions
All applicants must reside in one of our eligible states.
View full lender requirements
Residency / visa
Applicants must be U.S. citizens, permanent residents, or non-permanent resident aliens · SoFi also offers loans to certain non-permanent resident aliens on eligible visas.
State restrictions
All applicants must reside in one of our eligible states.
Other conditions
Applicants must be U.S. citizens, permanent residents, or non-permanent resident aliens and be the age of majority in their state of residence.
Read official lender requirements ↗
Questions to confirm with the lender (14)

These requirements have not been verified for this program:

  • SSN
  • ITIN
  • U.S. credit history
  • Foreign credit history
  • No credit history
  • Minimum credit score
  • Minimum down payment
  • Income documentation
  • Employment documentation
  • Foreign income
  • Foreign assets
  • Reserves
  • Property restrictions
  • Occupancy

Requirements last reviewed: Oct 27, 2026 · Official requirements source

Rates and costs

SoFi Fixed-Rate Home Loan

Rates are available on request
No reviewed advertised rate example is linked to this program.

How to apply

SoFi Fixed-Rate Home Loan

Document requirements are not confirmed. Ask the lender for its program-specific checklist.

  1. Confirm the program's identity, residency, credit and property requirements with the lender.
  2. Use the official application channel to request pricing for your actual scenario.
  3. Review the lender's written Loan Estimate, including costs and cash to close.

Visit lender ↗

Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.

Sources and methodology

About this lender

SoFi Bank mortgage financing offers fixed-rate terms and an online application. U.S. citizens, permanent residents and certain non-permanent residents on eligible visas may apply, subject to credit, income, property and state eligibility.

Legal lender: SoFi Bank, N.A.

Lending channel: Direct lending

Provider type: Bank

Lending channels: Direct lending. Origination status: Not stated.

NMLS identifier: 696891

More lender directory information

Direct application information ↗

SoFi Bank, N.A. is currently able to issue and refinance mortgages in all states except purchase only for New York.

Directory verified: 2026-10-27 UTC · Official directory source ↗

Official mortgage terms · Profile reviewed: Oct 27, 2026

What do APR, points, LTV and reserves mean?
APR
An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
Discount points
An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
LTV
Loan-to-value: the loan amount relative to the property's value.
Reserves
Assets the lender may require you to retain after closing. Requirements differ by program.

CFPB: understand your Loan Estimate

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