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ELIGIBILITY CRITERIA


STUDENT LOAN REFINANCING ELIGIBILITY

Before you apply for SoFi Student Loan Refinancing to refinance your student or
Parent PLUS loans, we’d like you to be aware of the eligibility criteria. In
addition to the information noted below, you must also meet our underwriting
criteria to obtain a loan from SoFi.

You are at least the age of majority in your state and able to enter into a
binding contract. Be a US citizen, permanent resident, or non-permanent resident
alien.
* Permanent residents must be able to show an image or scan of their permanent
residency card (Green Card), and their Green Card must have a total validity
(from issuance to expiry) of at least 2 years.
* Non-permanent resident aliens (including DACA recipients and asylum seekers)
must have valid documentation showing immigration status is current. Borrowers
must be employed, have sufficient income from other sources, or have an offer of
employment to start within the next 90 days. You have graduated with an
associates’ degree or higher from a Title IV school. You are looking to
refinance educational debt. Bar loans and residency loans are not eligible for
refinancing at this time.

In order to refinance Student Loans, the school they originated from must have
been an eligible, accredited Title IV school at the time of matriculation.

Loan eligibility depends on a number of additional factors, including your
financial history, credit score, and monthly income vs. expenses.


STATE ELIGIBILITY:

We offer refinance loans in 50 states plus the District of Columbia.


MINIMUM LOAN AMOUNT:

$5,000 (may be higher in specific states due to legal requirements)



Eligibility criteria current as of 1/15/19


MEDICAL RESIDENT STUDENT LOAN REFINANCING ELIGIBILITY

Am I eligible for a SoFi Medical Resident Refinance loan?

You are a medical/dental resident or fellow with up to four years left in your
approved program. Be a US citizen, permanent resident, or non-permanent resident
alien.
* Permanent residents must be able to show an image or scan of their permanent
residency card (Green Card), and their Green Card must have a total validity
(from issuance to expiry) of at least 2 years.
* Non-permanent resident aliens (including or DACA recipients and asylum
seekers) must have valid documentation showing immigration status is current.
You have graduated with an MD, DO, DMD, or DDS from a selection of Title IV
accredited university or graduate programs in the U.S. You meet SoFi’s
underwriting criteria. Loan eligibility depends on a number of additional
factors, including your financial history, credit score, and monthly income vs.
expenses.


STATE ELIGIBILITY:

We offer medical resident refinance loans in 48 states. Residents of Mississippi
and Montana are not eligible for a medical resident refinance loan at this time.
Pennsylvania minimum loan amount $25,001. Connecticut and Kentucky minimum loan
amount of $15,001.


MINIMUM LOAN AMOUNT:

$10,001 (may be higher in specific states due to legal requirements)



Eligibility criteria current as of 1/15/19


UNDERGRADUATE STUDENT LOANS ELIGIBILITY

Before you apply for a SoFi Undergraduate Loan, we’d like you to be aware of the
eligibility criteria. In addition to the information noted below, you must also
meet our underwriting criteria to obtain a loan from SoFi.


BORROWERS:

Borrowers must be the age of majority in their state of residence, otherwise an
age of majority cosigner is required. Be a US citizen, permanent resident or
non-permanent resident alien.

* Permanent residents must be able to show an image or scan of their permanent
residency card (Green Card), and their Green Card must have a total validity
(from issuance to expiry) of at least 2 years.

* Non-permanent resident aliens (including DACA recipients and asylum seekers)
must have valid documentation showing immigration status is current.



Borrowers must be employed or have sufficient income from other sources (either
borrower or cosigner). Borrowers must use the loan for Qualified Higher
Education Expenses at an eligible institution. This loan is not available for
associate degree seeking students. Borrowers must be enrolled at least half time
in a degree granting program at an eligible institution. This loan is not
available for associate degree seeking students. Borrowers must be making
Satisfactory Academic Progress (SAP), which is certified by the school the
borrower is attending.


COSIGNERS:

Cosigners must be the age of majority in their state of residence. Cosigners
must be US citizens, permanent residents, or non-permanent resident aliens. Loan
eligibility depends on a number of additional factors, including your financial
history, credit score, and monthly income vs. expenses.

Loan eligibility depends on a number of additional factors, including your
financial history, credit score, and monthly income vs. expenses.


STATE ELIGIBILITY:

We offer Undergraduate Student loans in 50 states plus the District of Columbia.


MINIMUM LOAN AMOUNT:

$5,000 (may be higher in specific states due to legal requirements)



Eligibility criteria current as of 3/30/22


GRADUATE STUDENT LOANS ELIGIBILITY

Before you apply for a SoFi Graduate Student Loan or Graduate Certificate, we’d
like you to be aware of the eligibility criteria. In addition to the information
noted below, you must also meet our underwriting criteria to obtain a loan from
SoFi.


BORROWERS:

Borrowers must be the age of majority in their state of residence, otherwise an
age of majority cosigner is required. Borrowers must be a US citizen, permanent
resident or non-permanent resident aliens.

* Permanent residents must be able to show an image or scan of their permanent
residency card (Green Card), and their Green Card must have a total validity
(from issuance to expiry) of at least 2 years.

* Non-permanent resident aliens (including DACA recipients and asylum seekers)
must have valid documentation showing immigration status is current.



Borrowers must use the loan for Qualified Higher Education Expenses at an
eligible institution. Borrowers must be enrolled at least half time in a
graduate certificate or graduate degree granting program at an eligible
institution. Borrowers must be making Satisfactory Academic Progress (SAP),
which is certified by the school the borrower is attending.


COSIGNERS:

Cosigners must be the age of majority in their state of residence. Cosigners
must be US citizens, permanent residents, or non-permanent residents. Loan
eligibility depends on a number of additional factors, including your financial
history, credit score, and monthly income vs. expenses.

Loan eligibility depends on a number of additional factors, including your
financial history, credit score, and monthly income vs. expenses.


STATE ELIGIBILITY:

We offer Graduate Student loans in 50 states plus the District of Columbia.


MINIMUM LOAN AMOUNT:

$5,000 (may be higher in specific states due to legal requirements)



Eligibility criteria current as of 3/30/22


PARENT STUDENT LOANS ELIGIBILITY

Before you apply for a SoFi Parent Student Loan, we’d like you to be aware of
the eligibility criteria. In addition to the information noted below, you must
also meet our underwriting criteria to obtain a loan from SoFi.


BORROWERS:

Borrowers must be the age of majority in their state of residence. Borrowers
must be a US citizen, permanent resident or non-permanent resident aliens.

* Permanent residents must be able to show an image or scan of their permanent
residency card (Green Card), and their Green Card must have a total validity
(from issuance to expiry) of at least 2 years.



* Non-permanent resident aliens (including DACA recipients and asylum seekers)
must have valid documentation showing immigration status is current.



Borrowers must use the loan for Qualified Higher Education Expenses at an
eligible institution. Borrowers are not required to be the legal guardian of the
student to apply for the Parent Student Loan.


CO-SIGNERS:

Cosigners must be US citizens, permanent residents, or non-permanent resident
aliens.


STUDENTS:

Borrowers must be enrolled at least half -time in a degree or graduate
certificate granting program at an eligible institution.This loan is not
available for associate degree seeking students. Students must be making
Satisfactory Academic Progress (SAP), which is certified by the school the
student is attending.

Loan eligibility depends on a number of additional factors, including your
financial history, credit score, and monthly income vs. expenses.


STATE ELIGIBILITY:

We offer Parent Student loans in 50 states plus the District of Columbia.


MINIMUM LOAN AMOUNT:

$5,000 (may be higher in specific states due to legal requirements)



Eligibility criteria current as of 3/30/22


GRADUATE CERTIFICATE STUDENT LOANS ELIGIBILITY

Before you apply for a SoFi Graduate Certificate Loan, we’d like you to be aware
of the eligibility criteria. In addition to the information noted below, you
must also meet our underwriting criteria to obtain a loan from SoFi.


BORROWERS:

Borrowers must be the age of majority in their state of residence, otherwise an
age of majority cosigner is required. Borrowers must be a US citizen, permanent
resident or non-permanent resident aliens.

* Permanent residents must be able to show an image or scan of their permanent
residency card (Green Card), and their Green Card must have a total validity
(from issuance to expiry) of at least 2 years.

* Non-permanent resident aliens (including DACA recipients and asylum seekers)
must have valid documentation showing immigration status is current.



Borrowers must be employed or have sufficient income from other sources (either
borrower or cosigner). Borrowers must use the loan for Qualified Higher
Education Expenses at an eligible institution. Borrowers must be enrolled at
least half time in a graduate certificate granting program at an eligible
institution. Borrowers must be making Satisfactory Academic Progress (SAP),
which is certified by the school the borrower is attending.


COSIGNERS:

Cosigners must be the age of majority in their state of residence. Cosigners
must be US citizens, permanent residents, or non-permanent residents. Loan
eligibility depends on a number of additional factors, including your financial
history, credit score, and monthly income vs. expenses.

Loan eligibility depends on a number of additional factors, including your
financial history, credit score, and monthly income vs. expenses.


STATE ELIGIBILITY:

We offer Graduate Student loans in 50 states plus the District of Columbia.


MINIMUM LOAN AMOUNT:

$5,000 (may be higher in specific states due to legal requirements)



Eligibility criteria current as of 3/30/22


PERSONAL LOAN ELIGIBILITY

Before you apply for a SoFi Personal Loan, we’d like you to be aware of the
eligibility criteria. In addition to the information noted below, you must also
meet our underwriting criteria to obtain a loan from SoFi.

You are at least the age of majority in your state and able to enter into a
binding contract. You are either a United States citizen, eligible permanent
resident, or non-permanent resident alien (including DACA recipients and asylum
seekers).
* For eligible permanent residents or non-permanent residents, valid
documentation is required showing your immigration status is current. You reside
in a state where SoFi Lending Corporation or SoFi Bank, N.A is authorized to
lend. You are at least the age of majority in your state. You must be employed,
have sufficient income from other sources, or have an offer of employment to
start within the next 90 days.

Loan eligibility depends on a number of additional factors, including your
financial history, credit score, and monthly income vs. expenses.

For applicants with one or more existing SoFi personal loans, the applicant must
have made at least three payments, as well as the most recent three payments
on-time (not late), on each loan in order to be considered eligible for an
additional personal loan. Note that Michigan residents can only have one SoFi
Personal Loan at any given time.


STATE ELIGIBILITY:

SoFi Personal Loans are not available to residents of MS. Minimum loan
requirements might be higher than $5,000 in specific states due to legal
requirements. Fixed and variable-rate caps may be lower in some states due to
legal requirements and may impact your eligibility to qualify for a SoFi loan.

See state license information here. to see state license information


MINIMUM LOAN AMOUNT:

Personal loans have a minimum loan amount of $5,000 and maximum of $100,000.
Minimum loan amount may be higher in specific states due to legal requirements.



Eligibility criteria current as of 3/13/19


MORTGAGE ELIGIBILITY

Before you apply for a SoFi mortgage or mortgage refinancing, we’d like you to
be aware of the eligibility criteria. In addition to the information noted
below, you must also meet our underwriting criteria to obtain a home loan from
SoFi. Loan eligibility depends on a number of additional factors, including your
credit score and credit history, monthly income and expenses, assets, and
employment status and history.

You are at least the age of majority in your state You (or any co-borrower or
co-signer) are a U.S citizen, or an eligible permanent resident alien or
non-permanent resident alien. Other restrictions and eligibility criteria apply
to resident alien applicants and non-permanent resident alien applicants You are
purchasing or refinancing a primary residence or second home in AL, AK, AR, AZ,
CA, CO, CT, DE, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS,
MT, NE, NJ, NH, NV, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA,
WI , WV or WY The property you are purchasing or refinancing will be your
primary residence or second home for at least 12 months

SoFi Lending Corp. or an affiliate does not originate mortgage loans in Hawaii,
Missouri, New Mexico, New York, or West Virginia.


SOFI LENDING CORP. OR AN AFFILIATE MORTGAGE STATE LICENSING DETAILS

SoFi Lending Corp. or an affiliate is an Equal Housing Lender. As prohibited by
federal law, we do not engage in business practices that discriminate on the
basis of race, color, religion, national origin, sex, marital status, age
(provided you have the capacity to enter into a binding contract), because all
or part of your income may be derived from any public assistance program, or
because you have, in good faith, exercised any right under the Consumer Credit
Protection Act. The federal agency that administers our compliance with these
federal laws is the Federal Trade Commission, Equal Credit Opportunity,
Washington, DC, 20580.

SOFI LENDING CORP. OR AN AFFILIATE IS CURRENTLY ABLE TO ISSUE AND REFINANCE
MORTGAGES IN THE FOLLOWING STATES:

ALABAMA

Consumer Credit License #21983

ALASKA

Mortgage Broker/Lender License #AK1121636

If your issue is unresolved by [licensee name & phone number], please submit
formal complaints with the State of Alaska, Division of Banking & Securities.
Please download the form here:
https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf.
Submit formal complaint form with supporting documents: Division of Banking &
Securities PO Box 110807 Juneau, AK 99811-0807. If you are an Alaska resident
with questions regarding formal complaints, please email us at
dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One

ARIZONA

SoFi Lending Corp. or an affiliate, 1035 W. Queen Creek Rd Ste 101 Chandler, AZ
85248, Mortgage Banker License #BK-0934275

ARKANSAS

SoFi Lending Corp. or an affiliate, 201 East Markham Suite 300 Little Rock, AR
72201 (501) 324-9260

CALIFORNIA

Licensed by the Department of Financial Protection and Innovation under the
California Financing Law License No. 6054612/NMLS #1121636

COLORADO

Mortgage Company Registration License: #1121636

CONNECTICUT

Licensed by the Connecticut Department of Banking – Mortgage Lender License
#ML-1121636

DELAWARE

Delaware Lender License #30278

DISTRICT OF COLUMBIA

Mortgage Dual (Lender & Broker) Authority License No. MLB #1121636

FLORIDA

Mortgage Lender Servicer License #MLD1108

GEORGIA

Georgia Mortgage Lender License #42010

IDAHO

Mortgage Broker/Lender License: MBL-8673

ILLINOIS

Illinois Residential Mortgage Licensee License No. MB.6761063 Department of
Financial and Professional Regulation Division of Banking 100 West Randolph, 9th
Floor Chicago, IL 60601

General Inquiry Inquiries: 1-888-473-4858
Division of Banking Direct: 1-844-768-1713
TYY: 1-866-325-4949

INDIANA

First Lien Mortgage Lending License #25660

IOWA

Mortgage Banker License: #2019-0054

KANSAS

Mortgage Company License: MC0025600

KENTUCKY

Mortgage Company License: MC701438

LOUISIANA

SoFi Lending Corp. or an affiliate, Louisiana Residential Mortgage Lending
License

MAINE

Supervised Lender License NMLS #1121636

MARYLAND

Maryland Mortgage Lender License #21585

MASSACHUSETTS

Massachusetts Mortgage Lender and Mortgage Broker License #MC1121636

MICHIGAN

Michigan 1st Mortgage Broker/Lender Registrant FR0020980

MINNESOTA

Residential Mortgage Originator License #MN-MO-1121636

MISSISSIPPI

SoFi Lending Corp. or an affiliate, Post Office Box 12129 Jackson, Mississippi
39236

MONTANA

Licensed by the Montana Division of Banking and Financial institutions, Montana
Mortgage Lender License #1121636

NEBRASKA

NMLS Number: #1121636, (877) 471-3445

NEVADA

Mortgage Broker License #4635

NEW HAMPSHIRE

Licensed by the New Hampshire Banking Department Mortgage Banker #19764-MB

NEW JERSEY

Licensed by the New Jersey Department of Banking and Insurance Residential
Mortgage Lender License #1121636

NEW HAMPSHIRE

Mortgage Banker License 23682-MB

NORTH CAROLINA

Mortgage Lender License No. L-160812

NORTH DAKOTA

Money Broker License No. MB102764

OHIO

NMLS Number: #1121636, Residential Mortage Lending Act Certificate of
Registration: RM.804475.000

OKLAHOMA

NMLS Number: #1121636, Mortgage Lender License: ML012338

OREGON

Oregon Mortgage Lending License #ML-5418

PENNSYLVANIA

Licensed by the Pennsylvania Department of Banking Mortgage Lender License
#46311

RHODE ISLAND

Rhode Island Lender License #20153065LL

SOUTH CAROLINA

Licensed by the South Carolina State Board of Financial Institutions,
Lender/Servicer License #MLS-1121636

Licensed by the South Carolina State Board of Financial Institutions,
Lender/Servicer License-Other Trade Name #MLS-1121636 OTN #1

SOUTH DAKOTA

TENNESSEE

Tennessee Mortgage Lending License #127518

TEXAS

License #1121636. Consumers wishing to file a complaint against a mortgage
company or a licensed mortgage company residential mortgage loan originator
should complete and send a complaint form to the Texas Department of Savings and
Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint
forms and instructions may be obtained from the department’s website at
WWW.SML.TEXAS.GOV. A toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of certain actual out
of pocket damages sustained by borrowers caused by acts of licensed mortgage
company residential mortgage loan originators. A written application for
reimbursement from the recovery fund must be filed with and investigated by the
department prior to the payment of a claim. For more information about the
recovery fund, please consult the department’s website at WWW.SML.TEXAS.GOV. The
department maintains the mortgage broker recovery fund to make payments of
certain actual out of pocket damages sustained by borrowers caused by acts of
licensed residential mortgage loan originators. A written application for
reimbursement from the recovery fund must be filed with and investigated by the
department prior to the payment of a claim. For more information about the
recovery fund, please consult Subchapter F of the Mortgage Broker License Act on
the department’s web at WWW.SML.TEXAS.GOV. SoFi Lending Corp. or an affiliate
maintains a physical branch office location at 7700 Windrose Avenue, Suite 105,
Plano, Texas 75024.

UTAH

Licensed by the Utah Department of Real Estate, Utah-DRE mortgage Entity License
#10293902.
Licensed by the Utah Department of Real Estate, Utah-DRE Mortgage Entity
License-Other Trade Name #1 #9223125.
Utah-DRE Mortgage Branch Office #10293918

VERMONT

Licensed by the Vermont Banking Division – Lender License #6705

VIRGINIA

Licensed by the Virginia Bureau of Financial Institutions – Lender License
#MC-5906; NMLS ID #1121636. ( www.nmlsconsumeraccess.org Opens A New Window. ).
Notice for refinancing customers: as a result of refinancing, the total finance
charge over the life of the loan may be higher.

WASHINGTON

Consumer Loan Company License CL-1121636

WISCONSIN

Mortgage Banker License 1121636BA

WYOMING

Wyoming Mortgage Lender License #2659

If you don’t see your state listed here, please let us know you are interested
so that we can contact you as we expand our mortgage program.

Email us or call 844-763-4466 Phone number



Eligibility criteria current as of 4/7/20

QUESTIONS?

Customer Support:
(855) 456-7634 Phone number
 * Mon-Thu 5:00 AM - 7:00 PM PT
 * Fri-Sun 5:00 AM - 5:00 PM PT

Home Loans General Support:
(844) 763-4466 Phone number

 * Mon-Fri 6:00 AM – 6:00 PM PT
 * Closed Saturday & Sunday

Invest Support:
investsupport@sofi.com
 * Mon-Thu 8:00 AM – 8:00 PM EST
 * Fri 8:00 AM - 7:00 PM EST
 * Closed Saturday & Sunday

PRODUCTS

 * Student Loan Refinancing
 * Medical/Dental Resident Refinancing
 * Parent PLUS Refinancing
 * Medical Professional Refinancing
 * Law and MBA Refinancing
 * Private Student Loans
 * Undergraduate Student Loans
 * Graduate Student Loans
 * Law and MBA Loans
 * Parent Student Loans
 * Personal Loans
 * Credit Card Consolidation Loans
 * Home Improvement Loans
 * Family Planning Loans
 * Travel Loans
 * Wedding Loans
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2750 East Cottonwood Parkway #300
Cottonwood Heights, Utah 84121

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE
PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be
a U.S. citizen or other eligible status and and meet SoFi's underwriting
requirements. Not all borrowers receive the lowest rate. Lowest rates reserved
for the most creditworthy borrowers. If approved, your actual rate will be
within the range of rates listed above and will depend on a variety of factors,
including term of loan, evaluation of your creditworthiness, years of
professional experience, income, and a variety of other factors. Rates and Terms
are subject to change at anytime without notice and are subject to state
restrictions. SoFi refinance loans are private loans and do not have the same
repayment options that the federal loan program offers, or may become available,
such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed
by the Department of Financial Protection and Innovation under the California
Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending
Corp. or an affiliate, NMLS # 1121636. (www.nmlsconsumeraccess.org Opens A New
Window. )

✝︎ To check the rates and terms you 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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