If I want to pay off my loan early or pay more than the minimum payment, does SoFi Home Loans charge a fee? December 15, 2021 18:30 Updated Follow At SoFi we have no prepayment penalties! For our Home Loan products, closing costs and originations fees will apply. Related articles How do I sign up for bi-weekly payments? How do I log into the Home Loans Servicing website? How do I set up a joint Invest account? / How do I add a joint holder to my Invest account? Types of Investments with SoFi Invest How often is the interest accrued and compounded?