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Cash-Out Refinance

Turn your home
equity into cash.

Looking to remodel your home or payoff debt?
With a cash-out refi, you can turn the equity in your home into cash.

Takes two minutes. Won’t affect your credit score.

What is a
cash-out refinance?

A cash-out refinance allows you to refinance your mortgage—and
borrow money at the same time.

Why SoFi
Home Loans?

Turn your home
equity into cash.

Consolidate high-interest debt or pay for home renovations.

Save even more.

Refi interest rates tend to be much lower than personal loan and credit card rates.

Exclusive member discounts.

Save $500†† on your refinancing processing fees—just for being a member.

Help when you need it.

Our mortgage loan officers (MLOs) can guide you through the process—and we have member specialists standing by to answer any other questions.

How it works:

Applying for a mortgage with SoFi is incredibly simple and can be done all online.
And if you want one-on-one assistance, our MLOs and member specialists are ready to help.


Check your rate in two minutes.

With just some basic information, you can see your rate in minutes.


Select your loan.

Upload your loan documents for review and approval.


Receive the funds.

Once you sign your paperwork, we’ll transfer the funds, usually within 30 days.

SoFi Lending Corp. (NMLS# 1121636) is licensed to originate mortgages in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., Wisconsin, and Wyoming.

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Get started with
a cash-out refinance.

It’s fast and easy—and it can be done entirely online.

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