New American Funding Mortgage vs. SoFi Student 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 Student Loan may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
SoFi Student Loan
APR Range
6.40% – 8.30%
4.49% – 14.70% Best
Loan Amount
$75,000 – $3,500,000 Best
From $1,000
Term Length
120–360 months
60–180 months
Origination Fee
Varies; competitive on FHA and non-QM
None
Min Credit Score
580+ Best
650+
Funding Speed
21–30 days
—
New American Funding Mortgage
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
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