We are excited to announce two new loan terms for our home loan purchase and mortgage refinance loan offerings!
Learn more about the 10-year fixed rate and 20-year fixed rate options below.

Home Equity

Home equity has its benefits. Funds fast. Less hassle.

SoFi’s teamed with home equity specialists Spring EQ to give you more options to get the cash you need to make your home dreams a reality.

It takes just a few minutes and it won’t affect your credit score.1

provided by Spring EQ

Why Spring EQ
Home Equity?

Fund fast

Get your cash in as few as two weeks with as few as four documents needed.2

Lower monthly payments

Check out one of Spring EQ’s low-fixed rates with a variety of terms available. The average customer lowers their monthly payment by $530.3

Keep your first mortgage rate

No need to refinance your first mortgage. And for qualified borrowers, there are options to access a large portion of your home’s equity.

Help when you need it

Spring EQ has helped thousands of customers achieve their financial goals.

How it works:


Quick simple application

Get pre-qualified online.


Get a decision

In one call, Spring EQ’s representatives will help by evaluating your home equity loan needs. Pay off debts? Money for a home improvement? Cash for school? They will present their best loan options for you to choose from.


Receive funds

Receive cash in as few as 11 days. (The average customer receives their cash in less than three weeks.)2

Why Home Equity
could be right for you:

Pay off high-interest debt

Our average customer lowers their monthly debt payments by $530.3


Renovations often result in a higher home value. Home equity can be a cost-effective and tax-deductible way to bring your ideas to life.


No restrictions on how funds are used. Plus, low rates and longer term options could result in lower monthly payments versus other loans.

Get the cash you need
with Spring EQ’s smart
home equity options.

It’s fast, flexible, and hassle free.

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