Kick off your game plan with SoFi Home Equity Loans.

Apply by 2/9 to tackle high-interest debt with zero origination fees.

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Log in ›     Hi Janet, The biggest game of the year is approaching, and it's time to take your home equity to the house. Whether you're consolidating high-interest debt or funding a home renovation, don't let fees stall your drive. Apply by 2/9/26 and we'll waive the origination fee—putting $1,295 value back into your game plan.     SoFi Home Equity Loan — the winning play.     • Borrowing Power: Access up to $750,000 or up to 85% or your home's equity. • Competitive Rates: Payments typically lower than a personal loan. • Zero Origination Fees: A $1,295 savings when you apply by 2/9.¹     The field is yours — let's take it all the way to the end zone.     View your rate     Checking your rate won't affect 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. †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 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 5, 2026. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. ¹To be eligible for the origination fee discount: (i) you must submit a SoFi home equity loan application between 12AM EST 02/05/2026 to 11:59PM EST 02/09/2026. (ii) You must not have submitted a Home Equity Loan application within the preceding 90 days. If you are approved for the loan, SoFi will waive the standard $1,295 origination fee (shown on the initial disclosure) at loan closing. This discount cannot be combined with any other discount or fee waiver. SoFi reserves the right to change or terminate this offer at any time without notice unless you have submitted an application during the eligibility window. Additional terms and conditions may apply. 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: 3474109