What if I need to break my lock on my home loan? November 25, 2020 16:43 Updated Follow You are free to withdraw your SoFi Home Loan application and break your lock at any time. There is no fee for doing so Related articles What if my lock expires before my home loan is complete? How do I lock my home loan? What is SoFi's lock policy? What exactly does "locking" mean? What is included in the monthly home loan payment?