Terms and conditions apply. Before you make an application for a SoFi Mortgage, please note that not all items are provided in all states, and all loans go through eligibility restrictions and restrictions, consisting of requirements connected to loan applicant’s credit, income, residential or commercial property, and loan amount. Minimum loan amount is $75,000. Lowest rates are reserved for the most creditworthy debtors. Products, rates, benefits, terms, and conditions go through change without notice. Learn more at SoFi.com/ eligibility-criteria. Information current as of 8/20/25. SoFi Mortgages came from 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 refinance mortgages in all states other than purchase just for New york city. § CNBC Select makes its selection, which you can see here, based upon their own approach. 1 SoFi On-Time Close Guarantee: If all conditions of the Guarantee are satisfied, and your loan does not close on or before the closing date on your purchase contract accepted by SoFi, and the hold-up is due to SoFi, SoFi will give you a credit toward closing costs or extra costs brought on by the hold-up in closing of as much as $10,000. * The following conditions apply. This Guarantee is readily available just for loan applications submitted after 04/01/2024. Please discuss regards to this Guarantee with your loan officer. The mortgage must be a purchase deal that is approved and moneyed by SoFi. This Guarantee does not apply to loans to buy bank-owned residential or commercial properties or short-sale transactions. To receive the Guarantee, you must: (1) Register for access to SoFi’s online website and upload all requested documents, (2) Submit files asked for by SoFi within 5 organization days of the initial request and all additional doc demands within 2 company days (3) Submit a carried out purchase contract on an eligible residential or commercial property with the closing date a minimum of 25 calendar days from the invoice of performed Intent to Proceed and receipt of charge card deposit for an appraisal (one month for VA loans