See RatesSecure site · Updated July 2026
- Sample APR
- 6.69%
- Min. down payment
- 3%
- Loan types
- Conventional, Jumbo
- Min. credit score
- 660
Why it stands out
SoFi highlights
- 0.25% rate discount for SoFi members who autopay
- Down payments as low as 3% on conventional loans
- Jumbo loans up to $3M with competitive pricing
- Everything managed inside one financial app
The verdict at a glance
Pros and cons
Pros
- Attractive discounts if you already bank or invest with SoFi
- Strong jumbo and high-balance conventional options
- Clean, mobile-first application experience
Cons
- No FHA, VA or USDA loans
- Best pricing is reserved for high-credit, high-income borrowers
Our full review
Our take on SoFi
SoFi rewards existing members with rate discounts and a smooth app-based process built for high earners. Its down-payment options are flexible, but the lineup skips government-backed loans entirely.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on SoFi’s own site before you apply.
The alternatives
How SoFi compares
Other top-rated lenders in Mortgage Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample APR | Best for | |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 6.74% | Best all-around online mortgage lender | See Rates | |
| 2 | Better | 6.61% | Best for low fees and fast pre-approval | See Rates | |
| 3 | Veterans United | 6.58% | Best for veterans and active military | Get Quote | |
| 4 | New American Funding | 6.99% | Best for lower credit scores | Get Quote |
- Rocket Mortgage4.9Best for Best all-around online mortgage lender
- Better4.7Best for Best for low fees and fast pre-approval
- Veterans United4.5Best for Best for veterans and active military
- New American Funding4.3Best for Best for lower credit scores