Does SoFi offer refinancing options or just new purchase home loans? November 25, 2020 01:30 Updated SoFi Home Loans offer Rate/Term and Cash-out financing options. (Cash-Out Not available in Texas.) Related articles Can I refinance an existing mortgage? Does SoFi offer a second mortgage or HELOC? Do you offer home loan amounts greater than $1 million? What is your minimum home loan amount requirement? I want to build a house, does SoFi offer Construction Loans?