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? What does the Biden-Harris Administration’s Student Debt Relief Plan mean for me? How do I complete my W-9 for my bonus payment? If I refinance my student loan with SoFi will it be eligible for Federal Loan Forgiveness Programs? What exactly does "locking" mean?