Navy Federal Credit Union Mortgage vs. SoFi Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Navy Federal Credit Union Mortgage
Navy Federal Credit Union
4.7
VA mortgage specialist for military members. No PMI, 0% down available, and consistently competitive rates.
Full review →
WealthSpott Verdict
Navy Federal Credit Union Mortgage wins on more measurable categories — particularly on rate and cost. SoFi Student Loan Refinance may still be the right fit depending on your loan amount and term needs.
Feature
Navy Federal Credit
SoFi Student Loan
APR Range
6.10% – 7.80%
4.99% – 14.70% Best
Loan Amount
$50,000 – $2,000,000 Best
$5,000 – $500,000
Term Length
120–360 months
60–240 months
Origination Fee
No origination fee on VA loans
None
Min Credit Score
620+ Best
650+
Funding Speed
30–45 days
2–3 weeks
Navy Federal Credit Union Mortgage
SoFi Student Loan Refinance
Pros
- No fees
- No fees
- Unemployment protection
- Unemployment protection
- Competitive rates
- Competitive rates
Cons
- Must have degree
- Must have degree
- Good credit required
- Good credit required
Not sure which loan is right for you?
Browse all loans