Janet, don’t leave cash on the sidelines.

Unlock your home's equity for renovations, debt consolidation, or more.

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Log in ›     Hey Janet, Whether you're looking to consolidate debt, fund home improvements, or cover unexpected expenses, getting cash from your home's equity can feel like a fresh set of downs for your finances. Secure your rate faster than a commercial break and get started all online today.       Home Equity Loans     Recommended for you: Tackle high‑rate debt or home renovations with a low fixed monthly payment. You could get $50K‑$350K cash upfront with no prepayment penalties, all while keeping your great low mortgage rate.     View your rate         HELOC's     An alternative to home equity loans, a HELOC allows you to access $35,000‑$500,000 of your home's value and only pay interest on what you need, so you can take out cash as you go with significantly lower rates than credit cards or personal loans.     View your rate       Get started by viewing your rate and bring your home goals to life with SoFi.     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 September 18, 2025. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this offer. Third party trademarks referenced herein are property of their respective owners. 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: 2922206