Turn your home equity into cash – without selling 💰

Access funds for renovations, debt payoff or big expense

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Log in ›     CASH-OUT REFINANCE     Your home could unlock more than you think.     View your rate     ✔︎ Checking won't hurt your credit score.†     Your home isn't just where you live – it's one of your most powerful financial tools. With home values still high, you may have more equity available than you realize. A cash-out refi lets you convert a portion of that equity into cash you can use right now.     How does a cash-out refi work?     With a SoFi cash-out refi you could replace your current mortgage with a new, lower-rate mortgage. You keep the difference between your old mortgage and your new mortgage as cash, straight to your bank account to:     ✅ Upgrade your space ✅ Pay down your debt ✅ Cover any major expenses     Why SoFi?     • Competitive rates • Industry-leading speed¹ • Simple, online application     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. †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. Terms and conditions apply. Before you apply for a SoFi Mortgage, 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 loan amount. Minimum loan amount is $75,000. 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 March 1, 2026. SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender. ¹SoFi's average time to close is 36 days for a purchase transaction loan and 40 days for a refinance transaction loan – On average over 5 days faster than the industry average (based on competitive market data provided by EllieMae for the period of 01/01/2024 - 10/15/2024). 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: 3640552