Transform your financial life with a SoFi home equity loan. See how.

A smart and affordable way to borrow.

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Log in ›     HOME EQUITY     Get cash from your home—now with a $0 origination fee option*.     View your rate     Hey Janet, Looking forward to your next great ambition? Your home's equity could finance it. Get the money you need with a payment you can afford with a home equity loan.     A home equity loan with SoFi allows you to:     • Access up to 85% of your home's equity, up to $350K. • Secure interest rates and payments that are typically lower than a personal loan. • Achieve financial ambitions like consolidating high-interest debt or funding a home renoviation.     Now with a $0 origination fee option*, and no in-personal appraisal needed for most loans!⌃     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. *No 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. 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 29, 2025. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. ⌃Between December 23rd, 2024 to May 23rd, 2025, approximately 81% of SoFi Home Equity Loans did not require a traditional in-person appraisal. 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: 2791081