Rocket Mortgage vs. SoFi Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Rocket Mortgage
Rocket Mortgage
4.5
Fully online mortgage with fast pre-approval. Best for digital-first buyers.
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WealthSpott Verdict
Rocket 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
Rocket Mortgage
SoFi Home Improvement
APR Range
6.50% – 7.80% Best
8.99% – 25.81%
Loan Amount
$85,000 – $2,500,000 Best
$5,000 – $100,000
Term Length
180–360 months
24–84 months
Origination Fee
—
None
Min Credit Score
620+ Best
680+
Funding Speed
21-30 days
Same day to a few days
Rocket Mortgage
SoFi Home Improvement Loan
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