🏠 Got home equity, Janet? Then you’ve got a chance to save on debt and more.

Put your home equity to work with SoFi.

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Log in ›     How a HELOC or home equity loan could work for you. Janet, the equity you have in your home—the part you already own—could mean a lower rate on funds you need to pay off high-interest debt, make home improvements, and more. Got questions? We can help:     What's a home equity line of credit (HELOC)?     • Get your funds as you need them. Tap into your line of credit as expenses pop up throughout the draw period of your HELOC (usually 10 years). • Pay back your purchases and interest over time with a variable APR based only on what you spent. • Learn more about HELOCs.     What's a home equity loan?     • Get your funds in one lump sum. Put your full loan amount into your bank account right away. • Pay back your loan with a fixed APR and the same monthly payment over your full term. • Learn more about home equity loans.     Whether you pick a HELOC or a home equity loan, SoFi could help make the equity you've worked hard to earn work even harder for you.     View your rate     Checking won't affect your credit score.†       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 25, 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