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Choose your mortgage
refinance rate.
A new mortgage refinance rate or term could be a game changer for your finances.
30-year fixed1
6.375% Rate
6.645% APR
Enjoy fixed
monthly payments and a
constant interest rate.
20-year fixed2
6.125% Rate
6.427% APR
Pay your home loan off over 20 years while maintaining a constant interest rate and monthly payment.
15-year fixed3
5.750% Rate
6.177% APR
Pay your home loan off faster while maintaining a constant interest rate and monthly payment.
10-year fixed4
5.625% Rate
6.227% APR
Pay your home loan off over 10 years while maintaining a constant interest rate and monthly payment.
All APRs are updated daily
Need help finding the best option for your unique needs? Get in touch with a Mortgage Loan Officer at (833)-438-7634.
How SoFi Mortgage Refinancing Loans work.
Applying for mortgage refinancing with SoFi is simple with an application that can be done all online. Our MLOs can give you one-on-one assistance through every step of your home refinancing.
-
1
Pre-qualify without the hassle.
It takes just minutes to get pre-
qualified for a home loan refinance online. -
2
Select your home refinance.
Find the mortgage refinancing option with the interest rate and monthly payments that match your goals and complete your application.
-
3
Receive the funds.
Once an underwriter has reviewed and approved your application, just sign your paperwork and we’ll process your home refinancing.
Mortgage refinance requirements.
Every homeowner is unique and so is every mortgage refinancing. Here are a few factors that can affect your refinance rates.
Credit score
What’s your score? Your credit score can impact your refinance rate, monthly payments, closing costs, and mortgage refinancing options.
Home equity
Has the value of your home changed? Getting an appraisal and assessing the equity of your home is the first step in your home refinance.
Ownership length
How long have you owned your home? Your length of ownership can affect the terms of your mortgage refinance rate.
Credit score
What’s your score? Your credit score can impact your refinance rate, monthly payments, closing costs, and mortgage refinancing options.
Home equity
Has the value of your home changed? Getting an appraisal and assessing the equity of your home is the first step in your home refinance.
Ownership length
How long have you owned your home? Your length of ownership can affect the terms of your mortgage refinance rate.
“Austin and his team were awesome and easy to work with! Great communication and follow up. Kept us in the loop every step of the way! I would go back to Austin without question.”
“Keith and his team did an outstanding job from day 1. They went above and beyond to facilitate on time closing and funding of our mortgage. The rates we received could not be matched by any other lender.”
“Mark and his team worked very closely with us to make sure that we were comfortable with the process, understood the expectations, timeline and overall schedule.”
300+ Reviews
Learn more about refinancing a mortgage.
Thinking about home refinance? Here are a few resources to get you started.
FAQs
Learn more: 7 Signs It’s Time for a Mortgage Refinance
Learn more: How Much Does It Cost to Refinance a Mortgage?
Learn more: A Guide to Choosing a Mortgage Term
Apply online or call for a complimentary
mortgage consultation.
Just call (833)-438-7634 to get in touch with our Mortgage Loan Officers. Ready to jump in? Pre-qualify online.
1 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.375%, LTV 80% is $2258.00 for full Principal and Interest Payments with $7892.00 due at closing. The Annual Percentage Rate is 6.645%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
2 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 6.125%, LTV 80% is $2620.00 for full Principal and Interest Payments with $6487.00 due at closing. The Annual Percentage Rate is 6.427%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
3 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.750%, LTV 80% is $3006.00 for full Principal and Interest Payments with $7649.00 due at closing. The Annual Percentage Rate is 6.177%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
4 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.625%, LTV 80% is $3951.00 for full Principal and Interest Payments with $7616.00 due at closing. The Annual Percentage Rate is 6.227%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
Terms, conditions, and state restrictions apply. Before you apply for a SoFi Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount. SoFi Mortgages may be available for primary or second home residences or investment properties. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice.Learn more at SoFi.com/eligibility. Information current as of 6/28/23.
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 issue and refinance mortgages in all states except purchase only for New York.
✝ To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
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