Eager to please, did SoFi close early mortgages without appraisals?

[Opinion] There are many advantages to having a Silicon Valley competitive vibe in the mortgage market. For one, the start-ups help keep us on our toes. Another interesting aspect is the use of fintech to disrupt our mortgage lending industry. While there are many advantages, having SoFi around probably isn’t one of them, if their underwriting standards are as bad as some claim.