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A home equity loan lets you
borrow against your home at
a lower rate than
other types
of loans.
View your rate to see
how our SoFi Home Equity Loan
rates
could help you secure the
funds you
need to take on your
next home renovation
or debt
consolidation.

A home equity loan lets you borrow against your home at a lower rate than other types of loans. View your rate to see how our SoFi Home Equity Loan rates could help you secure the funds you need to take on your next home renovation or debt consolidation.

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Current home equity loan rates.

What is the interest rate on a home
equity loan? Take a look at the current
home equity loan interest rates
to see
why a home equity loan from SoFi
could be right for you.

All APRs are updated daily.

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¹10-YEAR Payment Example: The payment for a 10-year term, loan amount $50000.00, Rate 7.740%, LTV 80% is $600.00 for full Principal and Interest Payments with $0.00 due at closing. The Annual Percentage Rate is 8.073%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

²15-YEAR Payment Example: The payment for a 15-year term, loan amount $50000.00, Rate 7.740%, LTV 80% is $470.00 for full Principal and Interest Payments with $0.00 due at closing. The Annual Percentage Rate is 7.979%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

³20-YEAR Payment Example: The payment for a 20-year term, loan amount $50000.00, Rate 7.740%, LTV 80% is $410.00 for full Principal and Interest Payments with $0.00 due at closing. The Annual Percentage Rate is 7.934%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁴30-YEAR Payment Example: The payment for a 30-year term, loan amount $50000.00, Rate 8.240%, LTV 80% is $375.00 for full Principal and Interest Payments with $0.00 due at closing. The Annual Percentage Rate is 8.396%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

All information in the primary residence payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.

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Student loan repayment and assistance.

If your workforce includes college graduates, there’s a good chance the stress of their student loans is impacting their work. Lucky for you, we’re great at helping relieve that stress.

Holistic education assistance benefits.

Offer your employees a genuinely holistic approach to their educational benefits that address their current and future needs. Whether it’s student loan repayments, tuition reimbursement, or emergency savings, SoFi at Work has you covered.

Inclusive culture for employee well-being.

Financial well-being programs can help bridge the wealth gap in an increasingly diverse workforce. Being transparent and vocal about employees’ financial stressors, along with unequal discrepancies in wages, can foster trust and improve employee morale. All of which can lead to increased job satisfaction and reduced turnover.

News, trends, and other emerging topics.

While not yet universally adopted, financial well-being programs continue to be widely popular among employees at all types of organizations. As employers evaluate how these programs can improve employee happiness at work, we’re here to help you make sense of how the market is changing.

SoFi at Work videos.

How SoFi at Work can help.

We can empower your employees to thrive in their financial lives. Here’s how.

• Refinancing benefits

  Employees can refi their federal and private student loans with SoFi by getting a competitive fixed or variable rate.

• Student loan support

  Employees can get help from a one-time, 30-minute session with a financial planner or our dedicated student loan support team.

• Resources and tools

  Employees can access timeline information, in-depth guides, and interactive tools to take control of their debt.

• Exclusive perks

  Empower your employees with rate discounts on loans, cash bonuses, and more.

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How to get your $10 bonus
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Open a crypto account.

Make a qualifying crypto purchase of $10 or more by 2/7/26 with funds from SoFi Checking and Savings.

Get $10 in stablecoin for more SoFi Crypto trades.

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Turn Around, Bright Eyes

“Every now and then I get a little bit restless and I dream of something wild.” That’s a lyric from Bonnie Tyler’s “Total Eclipse of the Heart” (a total solar eclipse is in fact coming in August), and I can’t think of more appropriate words to describe the start to this year.

The events in Venezuela last weekend kicked off 2026 with a flurry of headlines and a spike in geopolitical risk. As the world waits for more of the story to unfold and markets try to digest if and when there might be opportunities as a result, this is a good time to remind ourselves that spikes in geopolitical risk are a mainstay of our current regime, and markets tend to send clear signals after those spikes.

Let’s first look at the recent spike in geopolitical risk stemming from the U.S./Venezuela escalation and how it compares to prior global events.

The size of the spike is notable, but not alarmingly large. That doesn’t mean it’s inconsequential, but it does put into perspective the importance of not overreacting to an event that may not end up being as immediately impactful as it first seems.

The next chart, however, is perhaps the most interesting for investors.

In the one-year period following spikes in geopolitical risk, cyclical stocks tend to handily outperform defensive stocks. In other words, markets become more optimistic following increases in geopolitical strife. Some of that likely stems from a sense of relief once the incident is over, but it also be because there’s greater clarity and/or a partial resolution.

As such, I am keeping an eye on the Energy sector and oil prices, and any additional details that roll in regarding this conflict, but staying the course in 2026, as outlined in our annual outlook.

The Year End Un-Rally

Since the year-end rally investors were looking for didn’t materialize, the best Tyler lyric might have been “Every now and then I get a little bit nervous that the best of all the years have gone by.” With the S&P 500 down 0.1% during the typically favorable timeframe referred to as the Santa Claus rally, it was the third year in a row we had a Santa Pause instead.

As investors we are constantly looking for indicators that might give us a glimpse of what’s to come in markets. Perhaps the success or failure of the year-end rally has had some predictive power in the past, but my personal opinion is that it really doesn’t matter for what might happen in the following year. In fact, I think a year-end move in markets has much more to do with repositioning and tax strategies these days than sentiment and outlook.

The Best Broadens Out

The last couple weeks may have been disappointing and nerve wracking for investors, but I believe the market environment remains resilient and positive. As the AI theme matures and productivity continues to improve, markets can reap the benefits in a broader swath of sectors and groups, even with some intermittent breakdowns in beta like we experienced in 2025.

We see the best opportunities in Technology, Health Care, Materials, Staples, and in companies with strong free cash flow. We also still believe Gold has more runway and deserves an allocation in portfolios, and that investments in China can produce a strong year of returns.

Happy New Year to all, and we look forward to an exciting 2026.

Want more insights from Liz? The Important Part: Investing With Liz Thomas, a podcast from SoFi, takes listeners through today’s top-of-mind themes in investing and breaks them down into digestible and actionable pieces.

SoFi can’t guarantee future financial performance, and past performance is no indication of future success. This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite.

Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. Liz Thomas is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Form ADV 2A is available at www.sofi.com/legal/adv.

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