The time is right to refi your home, Janet. Get cash out to consolidate debt.

Consolidate debt with a cash-out refinance.

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CASH–OUT REFINANCE     Time to cash in on a cash-out home refi.     Janet, keeping track of multiple bills means keeping track of multiple amounts, due dates, interest rates, and more…who has time for that? Especially when you could pay fewer bills by consolidating debts with a cash-out home refinance from SoFi.     Why refi with SoFi?     • Replace your current mortgage with a new, larger one. And keep the difference between the new and old loans as cash, straight to your bank account. • Use these funds to lower or pay off your other debts, like high-interest credit cards, car payments, and more. • You could end up with one, simple payment each month for everything you owe.     Imagine it: just one fixed payment with just one due date, every single month. See if a cash-out home refi from SoFi may be right for you.     View your rate     ✓ Checking won't affect your credit score†     Home equity loan versus cash‑out refinance.     Your home's equity. Two different ways to take advantage of it.     What is a home equity loan? Borrow money against your house and keep your current mortgage rate. Learn more > What is a cash-out refinance? Refinance your home and cash out on the difference in equity. Learn more >     View your rate     HL25-2461300-C

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Terms and conditions apply. Before you apply for a SoFi Mortgage, 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 loan amount. Minimum loan amount is $75,000. 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 1, 2025. SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. †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 10, 2025. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. Screen images simulated. For illustrative purposes only. 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: 2359750 / 2656500 LND25-2200980-C HL25-2461300-C