🏠 Fund your dream renovation with a home equity loan.

Turn your home equity into cash.

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Log in ›     HOME EQUITY     More possibilities inside your home this winter.     View your rate     Winter feels warmer when your home's equity is working for you. Whether you want to pay down high-interest debt, tackle a home project or make other money moves, putting your home equity to work for you could be your smartest choice.     More reasons to give your home a side hustle with a home equity loan:     • Save big with fixed rates that are typically lower than personal loans or credit cards. • Borrow up to $750,000 or up to 85% of your home's equity with no change to your mortgage rate. • Enjoy a $0 origination fee option¹ and no prepayment penalties.     Don't miss your chance to put your home's equity to work.     View your rate     ✓ Checking won't hurt your credit score.†     To learn more, explore the Mortgage Page.       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 Spring EQ, 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 February 4, 2026. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. ¹No 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. † 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 © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 3406238 HL23-1064102-A2