New American Funding Mortgage vs. SoFi Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
New American Funding Mortgage
New American Funding
4.4
FHA and non-QM specialist with bilingual support and a 580+ credit score minimum for some programs.
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WealthSpott Verdict
New American Funding Mortgage wins on more measurable categories — particularly on rate and cost. SoFi Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
SoFi Home Improvement
APR Range
6.40% – 8.30% Best
8.99% – 25.81%
Loan Amount
$75,000 – $3,500,000 Best
$5,000 – $100,000
Term Length
120–360 months
24–84 months
Origination Fee
Varies; competitive on FHA and non-QM
None
Min Credit Score
580+ Best
680+
Funding Speed
21–30 days
Same day to a few days
New American Funding Mortgage
SoFi Home Improvement Loan
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