If I want to pay off my loan early or pay more than the minimum payment, does SoFi Home Loans charge a fee? November 24, 2020 23:11 Updated SoFi's current Home Loan products do not include prepayment penalty fees. Related articles How do I payoff my Personal Loan? My first home loan payment is due, but I don’t know where to make my payment? If I want to payoff my SoFi loan early, can I do so? Are there any prepayment penalties for paying off my loan early and/or making additional payments? How do I get a payoff letter for my SoFi Personal Loan?