†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 8/17/26. In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee. Equal Housing Lender.
1To be eligible for the origination fee discount: (i) you must submit a SoFi home equity loan application between 12AM EDT 11/9/2026 to 11:59PM EDT 11/15/2026, (ii) You must not have submitted a Home Equity Loan application within the preceding 90 days. If you are approved for the loan, SoFi will waive the standard $1,495 origination fee (shown on the initial disclosure) at loan closing. This discount cannot be combined with any other discount or fee waiver. This offer is not valid for HELOC (open-end line of credit). SoFi reserves the right to change or terminate this offer at any time without notice unless you have submitted an application during the eligibility window. Additional terms and conditions may apply.
2Approximately half of borrowers are ready to close within 7 days of submitting a completed application with supporting materials (based on Jan 1–Mar 31, 2026 data).
†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 11/11/26.
In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee.
1No origination fee is available for borrowers who are eligible and obtain a SoFi Bank home equity loan and opt to pay a higher interest rate. Other closing costs are still applicable. This offer may be changed at any time.
* Fixed rates start at 6.99% APR. SoFi rates are current as of 11/11/26 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.
§Source: Curinos, Inc. October 2025 Home Equity Channel Originations Analytics. According to recent market data, SoFi originated more closed-end home equity loans (by loan balance volume with DTI up to 50%) than any of the banks included in the report. This measure excludes non-bank lenders and credit unions, and excludes lender volume of open-end home equity lines of credit.