Upgrade your home’s value — finance home improvements with home equity.

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Log in ›     Get the cash to handle high-interest credit card debt, home improvements, large purchases, and more. Why consider a Home Equity Loan?     • Borrow up to $350K (or 85% of your home's equity) • Consolidate to a single fixed monthly payment • Keep your current mortgage rate • Save with lower interest than personal loans or credit cards.     Don't delay—check out our competitive rates today.     View your rate     ✓ BTW, it's a soft inquiry, so it won't affect your credit score.†     Our Mortgage Loan Officers are standing by ready to answer your questions—call (844) 763–4466 now.     Call now       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. 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 8, 2025. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. † 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. 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: 2562223