New American Funding Mortgage vs. SoFi Personal 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 Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
SoFi Personal Loan
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
New American Funding Mortgage
SoFi Personal Loan
Pros
- No origination or prepayment fees
- No origination or prepayment fees
- Unemployment protection available
- Unemployment protection available
- Fast online application
- Fast online application
Cons
- Good credit typically required
- Good credit typically required
- Not available in all states
- Not available in all states
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