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SoFi

in Mortgage Refinance

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SoFi

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in Mortgage Refinance

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Overview

Where does SoFi do business?

SoFi is a direct lender based in San Francisco, CA. The company was founded in 2011 and offers mortgage refinancing to borrowers in 42 states across the USA (and Washington, DC).

What is the maximum loan term for a mortgage refinance via SoFi?

The term of a mortgage refinance will determine the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. SoFi offers mortgages refinancing with terms ranging from 15 to 30 years.

Does SoFi charge a mortgage origination fee?

Yes, SoFi may charge a loan origination fee.

What property usage types does SoFi allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. SoFi allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 42 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Primary Home
  • Secondary Home
Dollar Amount
Loan Amount
Up to
$3M
Integer
Loan Term (Years)
15 - 30
    3 40
Percentage
APR
Starting at
3.377%

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