Home values are up across the USA. Could a home equity loan be the move?

Explore what's possible.

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Log in ›     HOME EQUITY LOANS Unleash the rising value of your home with SoFi.     View your rate     Hey Janet, Home values are near record highs1, but how do you take advantage of that without changing your mortgage rate or your home? Consider a SoFi Home Equity Loan.     Why?     • We offer a $0 origination fee option2, and never charge prepayment penalties. • You can access up to 85% or $350K or your home's equity while keeping your mortgage rate the same. • It could come with a lower fixed rate than other loans. • Use the capital for home renovations or consolidating debt into a single monthly payment.     Ready to tap into your home? Get started below.     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 July 14, 2025. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. 1Source: Experian, 2025 2No origination fee is available for borrowers who are eligible and obtain a SoFi Bank home equity loan and opt to pay a higher interest rate. Other closing costs are still applicable. This offer may be changed at any time. 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. WF:2614050 HL25-2614050-B