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Better vs SoFi
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Better | SoFi |
|---|---|---|
| Wirly Rating | 4.3/5 | 4.4/5 |
| Min. Credit Score | 620 | 600 |
| Loan Types | Conventional, FHA, Jumbo | Conventional, Jumbo |
| Best For | Low fees | High-balance loans |
Pros and Cons
Better
Pros
- +No origination fees or lender commissions
- +Transparent pricing with real-time rate quotes
- +Fast closing timeline in eligible markets
Cons
- -No VA loans
- -Limited physical locations for in-person support
- -Customer service can be inconsistent during high volume
SoFi
Pros
- +No origination, application, or appraisal fees
- +Competitive rates for well-qualified borrowers
- +Unemployment forbearance program for members
Cons
- -No FHA, VA, or USDA loans
- -Higher minimum credit score than some competitors
- -Limited loan product variety
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.