Introducing our very own HELOC 🏡

A new way to tap into your home’s equity with SoFi.

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Log in ›     HOME EQUITY LINE OF CREDIT (HELOC)     Another home equity choice under our roof. Say hello to the SoFi HELOC.     View your rate     The SoFi HELOC has arrived. Borrow with flexibility, security, and a competitive rate—while keeping your finances under one roof.     What makes a SoFi HELOC different?     • Access up to $350,000 or up to 85% of your home's equity. • A three year draw period—draw funds as needed and pay interest only during this period on what you’ve drawn. • Keep your current mortgage interest rate. • Multiple term options—choose a term that fits your budget with flexible repayment period options. • Tech‑forward, human‑backed—a digital‑first experience with knowledgeable guidance available anytime. • Fewer fees, more flexibility. There are no application fees, prepayment fees, or annual fees with a SoFi HELOC. Other fees will apply.¹     Ready for your next smart money move? View your rate on a SoFi HELOC today.     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 May 15, 2026. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. ¹SoFi reserves the right to modify or discontinue products and benefits at any time without notice. To qualify for a loan, you must fulfill all SoFi’s eligibility requirements. Current initial APRs range from 6.365% to 9.74% and may change by the time you apply. The interest rate on a HELOC is a variable rate and may increase after origination. An origination fee of $1,495 and third party closing costs ranging from $1,500 to $3,200 will be due at origination. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will depend on many factors. Rates and Terms are subject to change at any time without notice. Minimum line amount is $50,000. Information current as of 3/31/2026. SoFi HELOC originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/eligibility for details and restrictions. Screen images simulated. For illustrative purposes only. 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: 3435551 HE26-3435551-A