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. We are donating $1 million to organizations that empower people of color and their allies.

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

Pick the way
you want to refinance.


Get a competitive rate without any hidden fees. SoFi makes mortgage refinancing easy—so you can start saving on your home right away.

90% LTV Maximum

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Cash-out Refinance

Turn your home equity into cash. SoFi’s cash-out refi option can be helpful for situations like high-interest debt consolidation, home renovations, and more.

80% LTV Maximum

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Student Loan Cash-out Refinance

Save money on your mortgage—all while leveraging home equity to pay off existing student debt. Talk about a win-win!

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Refinance your way to a better
mortgage with SoFi and save.

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