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 10/15/24.
In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee.
Fixed rates start at 6.99% APR. SoFi rates are current as of 11/26/25 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.
Between December 23rd, 2024 to May 23rd, 2025, approximately 81% of SoFi Home Equity Loans did not require a traditional in-person appraisal.
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.
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