You’ve built up home equity – now you can use it.

Access cash from your home for renovations or big expenses💸

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Log in ›     CASH-OUT REFINANCE     Cash from your home – on your terms     View your rate     ✔︎ Checking won't hurt your credit score.†     As home values have increased – so has the equity in your home. A cash-out refi lets you turn a portion of that equity into cash.     How does a cash-out refi work?     You 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 .     Homeowners are using cash-out refis to:     ✅ Upgrade your space ✅ Pay down your debt ✅ Cover any major expenses     Why SoFi?     • Competitive rates • Simple, online application • Industry-leading speed¹ to unlock savings faster     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