Learn to apply easily for the SoFi Mortgage

Have you been thinking about buying a property but aren't sure where to start? Keep reading to learn how to apply for the SoFi mortgage online and easily. Read on!


by Suzana Brito

Published on 11/01/2022

SoFi Mortgage: Close the deal in about 28 days!

SoFi logo
Understand how the application for the SoFi loan works. Read on! Source: SoFi Facebook

SoFi is a huge player in the online mortgage market, and they make it so easy to apply.




discounts online

High discounts on fees. Good rates.

You will be redirected to another website

You can do everything from your computer and even track your process online. Keep reading to learn the step-by-step.

Online application

Female hands typing on laptop keyboard at the office. Wide
Here’s how you’ll apply online for this mortgage. Keep reading! Source: Adobe Stock

Applying for a SoFi mortgage is simple, straightforward, and hassle-free in only three steps.

First, you can pre-qualify online in under two minutes with the required personal and financial information.

Second, you can choose the loan that meets your financial goals and complete the application.

Once qualified, you can sign the contracts, and SoFi will transfer the funds quickly so you can enjoy your new home.



Find out the requirements to get a mortgage with SoFi:

  • The borrower’s credit score must be at least 620 for a conventional mortgage and 700 for a Jumbo;
  • Applicants must have the required down payment (options from 3% and up);
  • It’s necessary to have proof of income, so a debt-to-income ratio is needed to see if you can afford the installments;
  • Borrowers need to be at least 18 years old;
  • Borrowers must have a valid Social Security number;
  • Borrowers must be U.S citizens or authorized residents.


Apply using the app

You can easily use the mobile app to manage your mortgage. However, you’ll need to complete the application through the official website.

SoFi Mortgage vs. PNC Bank Mortgage: which one is the best?

On the one hand, the SoFi mortgage is good for people who want to complete the application online and have at least a 620 credit score.

However, it is not ideal if you have a low income since the minimum loan amount is $100,000, and it doesn’t offer government-backed options.

On the other hand, a PNC Bank mortgage is perfect for low to moderate income borrowers looking for flexible payment options and discounts.

It’s also good for people who prefer in-person applications or want to apply for a government-backed mortgage.

Compare these two options below.

SoFi MortgagePNC Bank Mortgage
Credit ScoreConventional: 620.Jumbo: 700.620 or higher.
Loans OfferedPurchase, Refinance, Fixed, Adjustable.Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDA.
Minimum Down PaymentThe minimum down payment is 3% for first-time home buyers;

There is a minimum down payment of 5% for all other borrowers.
APRThe APR differs depending on the term and is updated daily on the SoFi mortgage website.The APR varies according to the loan amount and terms.
Terms10,15, 20, or 30 years.10 to 30 years.

If you want to know more about the PNC Bank mortgage and how to apply, keep reading to find out more.

PNC Bank logo

How to apply for PNC Bank Mortgage

Are you looking to apply for a PNC Bank Mortgage? Check out our easy online application process – find out how to get started here.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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