Independent SoFi Mortgage Refinance review: 4.7/5 for refinance. Best for fee-free refinance with excellent credit. Current APY: 6.19%.
No origination fees on refinance with member rate discounts. SoFi Mortgage Refinance is offered by SoFi Bank, N.A. and currently holds an average rating of 4.7 out of 5 across 4,230 user reviews. It falls into the Refinance category and tends to be the strongest fit for fee-free refinance with excellent credit.
Monthly fee: $0 origination. Minimum to open: $100,000. Current APY: 6.19%. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
For this review of SoFi Mortgage Refinance, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Refinance shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
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