We have bad news and good news re: Home Equity loans.

The good news first: SoFi has options.

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Log in ›     HOME EQUITY LOANS     Time to discover a smarter way to borrow.     View your rate     Hey Janet, Your home's equity can be a financial stepping stone to your next big goals. Here's a closer look at what SoFi offers when it comes to home equity loans.       Home Equity Loans     Recommended for you: Tackle high‑rate debt or home renovations with a low fixed monthly payment. You could get up to $750,000 or up to 85% of your home's equity upfront with no prepayment penalties, all while keeping your great mortgage rate.     View your rate         HELOCs     An alternative to home equity loans, a HELOC allows you to draw up to $500,000 or 90% of your home's value, so you can take out cash as you need it with significantly lower rates than credit cards or personal loans.     View your rate       Get started by viewing your rate.     View your rate     Checking 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 16, 2026. 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 © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 3534488 HL25-2297850-A