Sofia Vergara is ripping her ex-fiance Nick Loeb ... reminding him he had TWO chances to change the terms of their frozen embryo contract -- and didn't -- so he's got no one to blame but himself.
Sofia went on "The Howard Stern Show" Monday morning and laid out her position on the legal battle with Loeb ... explaining why she thinks the embryos should NOT be brought to term:
-- A baby needs loving parents who get along, and at this point Nick clearly "hates" her
-- Nick knew exactly what the fertility clinic's contract said about his rights
-- He signed that contract TWICE
Take a listen ... Sofia has no remorse about her decision -- and in fact, thinks Nick is proving she was right to break up with him.