You’ve got a 0.50% rate drop on home equity loans ready for you. Apply by 3/23.

Access up to $750K or 85% of your equity.

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Log in ›     BORROW BETTER WEEK     Get a home equity loan for less during our biggest rate drop event ever.     View your rate     Hey Janet,     Don't just spring-clean your home. Turn it into a pile of cash with a 0.50% rate drop on home equity loans from now until March 23.¹ Use it to consolidate high-interest credit card debt, fund a home improvement, or chase your biggest ambitions.     With SoFi Home Equity Loans, you can:     • Access up to $750K or 85% of your equity. • Keep your current mortgage rate unchanged. • Choose fixed rates and flexible term options (starting as low as 6.49% APR²).     Make Borrow Better Week even better by stacking the 0.50% rate drop with existing savings. Make your home's equity work harder for you before the rate drop ends on 3/23 (11:59 PM PT). Don't wait to get your lower 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. Home Equity Loans: 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 March 19, 2026. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. Equal Housing Lender. ¹ Borrow Better Week Rate Drop: Additional terms and conditions apply. Limited time 0.50% rate drop for new Personal Loan, Student Loan Refinancing, Private Student Loan, and Home Equity Loan applications started between 3/17/26 – 3/23/26 and is subject to lender approval. For home equity loans, you must lock your rate by 3/23/26 to receive the rate drop. Promotion does not include Home Loan purchase, refinance, or HELOC applications. To receive the rate drop, you must start a loan application with SoFi between 3/17/26 and 3/23/26 at 11:59PM PT and meet SoFi's underwriting criteria. ² Fixed rates start at 6.99% APR. SoFi rates are current as of 03/19/2026 and are subject to change at any time. Your actual rate may vary and will depend on loan amount, loan term, your creditworthiness, income, and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers and for loan amounts above $100,000. SoFi Technologies, Inc. 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 Technologies, Inc. 234 1st St., San Francisco, CA 94105 Unsubscribe | Privacy Policy | Licenses © 2026 SoFi Technologies, Inc. All rights reserved. w:3519700 LND26-3519700-O