🏠 Access up to 90% of your home’s equity—up to $500K. See how, Janet!

Put your home equity to work with SoFi.

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Log in ›     Janet, your home's equity could make more possible. Your home equity is the amount of your home that you already own—basically the market value minus the principal amount you still owe. And your home equity could help you get the funds you need for travel, surprise expenses, or paying down high-interest debt. Even update or renovate your current home, if buying a new place isn't in the cards right now.     Dream big with SoFi home equity loans and home equity lines of credit (HELOCs).     You could access up to 90% or $500,000 of your home's equity. And your current mortgage rate won't change.     Borrow at a lower rate than high-interest credit cards or other loans.     Pay off debt or finally fund that home renovation with SoFi today.     View your rate     Checking won't affect your credit score.†     Tell me more about HELOCs versus home equity loans? Glad you asked—both are secured by your home's equity to offer lower rates!     What is a home equity line of credit (HELOC)? A line of credit you use as you need and then pay back over time. Learn more > What is a home equity loan? Get funds in one lump sum and repay with fixed, monthly payments. Learn more >       Have questions? Contact us   Download the SoFi app   SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue, as well as taking action as informed allies. †To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. SoFi Bank, N.A. NMLS #696891 (Member FDIC), offers loans directly or we may assist you in obtaining a loan from SpringEQ, a state licensed lender, NMLS #1464945. All loan terms, fees, and rates may vary based upon your individual financial and personal circumstances and state. You should consider and discuss with your loan officer whether a Cash Out Refinance, Home Equity Loan or a Home Equity Line of Credit is appropriate. Please note that the SoFi member discount does not apply to Home Equity Loans or Lines of Credit not originated by SoFi Bank. Terms and conditions will apply. Before you apply, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant's credit, income, property, and a minimum loan amount. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of June 18, 2025. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. SoFi Bank, N.A. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. SoFi Bank, N.A. 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121 Unsubscribe Privacy Policy Licenses © 2025 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 2462750