Conditions use. Before you look for a SoFi Mortgage, please note that not all products are used in all states, and all loans are subject to eligibility restrictions and restrictions, including requirements connected to loan candidate's credit, income, residential or commercial property, and loan amount. Minimum loan quantity is $75,000. Lowest rates are booked for the most creditworthy customers. Products, rates, advantages, terms, and conditions undergo change without notification. Find out more at SoFi.com/ eligibility-criteria. Information current since 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 currently able to provide and re-finance mortgages in all states except purchase only for New York. § CNBC Select makes its selection, which you can see here, based on their own approach. 1 SoFi On-Time Close Guarantee: If all conditions of the Guarantee are fulfilled, 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 offer you a credit towards closing costs or additional expenses triggered by the hold-up in closing of approximately $10,000. * The following conditions apply. This Guarantee is offered just for loan applications sent 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 buy bank-owned residential or commercial properties or short-sale deals. To get approved for the Guarantee, you must: (1) Sign up for access to SoFi's online portal and upload all requested files, (2) Submit documents requested by SoFi within 5 company days of the preliminary request and all extra doc demands within 2 organization days (3) Submit an executed purchase contract on an eligible residential or commercial property with the closing date a minimum of 25 calendar days from the invoice of executed Intent to Proceed and invoice of charge card deposit for an appraisal (thirty days for VA loans