Terms use. Before you apply for a SoFi Mortgage, please note that not all products are used in all states, and all loans undergo eligibility restrictions and constraints, consisting of requirements connected to loan candidate's credit, income, residential or commercial property, and loan amount. Minimum loan quantity is $75,000. Lowest rates are scheduled for the most creditworthy customers. Products, rates, advantages, terms, and conditions go through change without notice. Discover 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 presently able to release and refinance mortgages in all states except purchase only for New york city. § CNBC Select makes its choice, which you can see here, based on 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 delay is because of SoFi, SoFi will give you a credit toward closing expenses or extra expenditures brought on by the delay in closing of up to $10,000. * The following conditions use. This Guarantee is available just for loan applications sent after 04/01/2024. Please go over terms of this Guarantee with your loan officer. The mortgage should be a purchase deal that is authorized and moneyed by SoFi. This Guarantee does not use to loans to purchase bank-owned residential or commercial properties or short-sale transactions. To get approved for the Guarantee, you should: (1) Register for access to SoFi's online website and upload all requested documents, (2) Submit documents requested by SoFi within 5 service days of the preliminary request and all additional doc requests within 2 business days (3) Submit a performed purchase contract on an eligible residential or commercial property with the closing date at least 25 calendar days from the invoice of performed Intent to Proceed and receipt of charge card deposit for an appraisal (1 month for VA loans