Home Equity Investment: Get up to $500k 

No monthly payments
No income requirements
No need for perfect credit

Point helps homeowners access their home equity
Excellent
4.5
out of 5
Point BBB Rating

Point's Home Equity Investment (HEI) has helped over 10,000 homeowners across the United States.

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The banks required a lot more to qualify for their loans. Point came in and said, here’s an option for you.

Rameil

from Burbank, CA

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Point solved two problems—we got to stay in our home, and I got the debt relief that I was looking for.

Susan

from Issaquah, WA

What is a Home Equity Investment (HEI)?

An HEI is a partnership between you and Point, where you, the homeowner, get funds upfront from Point in return for a portion of your home’s future appreciation in value. You control when you exit the partnership.

House

Get cash today:

You receive a lump sum cash payment. You can use the funds for whatever you need. In exchange, Point gets a slice of your home equity.

For up to 30 years:

There are no monthly payments, ever. You can buy back your equity at any time within a 30-year term with no penalty. You maintain complete control over your home.

You decide when to exit:

When you decide to buy back your equity, the amount you pay back depends on the value of your home at that time. If your home’s value goes up, Point shares in the gain. If the value falls, your buy back costs may be smaller.

Point makes home wealth more valuable for everyone.

You built your home equity with every mortgage payment and renovation. We built a financial solution that empowers you to unlock your home equity when you need it most.

Prequalify now
A bill with the word paid on it.

Eliminate high-interest debt

Use an HEI to pay off high-interest debts like credit card balances – without new monthly payments. Qualify easily with Point, even with financial challenges, and get rid of costly monthly payments.

A kitchen counter with a vase on top of it.

Invest in your home

An HEI can help finance home maintenance and improvements, like roof repairs, without high-interest loans or using savings. Preserve your home's integrity and increase its value.

Three people in a circle with a graduation cap on.

Invest in yourself

Use your home equity to fund personal and professional growth, bolster your retirement savings, and create opportunities. Using an HEI you can grow your business, finance continuing education, and otherwise secure your financial future without impacting your savings.

Find answers to common questions about HEIs.

Learn more about the HEI, a tool that helps you leverage your biggest financial asset. Understand the benefits, the application process, and get the information you need to see if a Home Equity Investment is the right home equity solution for you.

HEI

Home Equity Investment

Get the cash you need using your home equity.

  • 500+ credit score
  • No income requirements
  • No monthly payments

Why Point?

Point is your partner in home wealth. When you do well, we do well.

Point Handshake

We are your partner.

We don't choose customers — we choose partners. Whether you want to eliminate debt, pay for a large expense, or fund a dream – you choose your life’s direction. We want to help you do that by making your current or future home work for you.

Point Home

It's your home — keep it that way.

We are partners in your home’s value, not co-owners. It's your home and you retain full control. You can sell your home, buy back your equity, or refinance any time that is convenient for you.

Point Check

You deserve your financial freedom.

We help unlock your home equity wealth, focusing on financial inclusivity for diverse credit profiles, so you can breathe easier and dream bigger. Our approach is tailored to empower your financial journey, regardless of where you stand.

Point Lifesaver

Find what's right for you.

We understand life happens. Some financial situations feel impossible to overcome. The good news is that we can help. See how a Home Equity Investment can get you from where you are to where you want to be.

Point is helping homeowners achieve their financial goals.

Trustpilot
Point has a
4.5
rating with over
1,600
reviews on Trustpilot.
A loan that made sense for me
"Point were efficient, quick and upfront about all the expenses. After doing the math and looking at other options, Point's deal made the most sense for me."
Tomas
Awesome push through of funds at the buzzer
"James and His manager Megan seemed to understand my sense of urgency as I was using the money for an investment that had a deadline. James pushed it to closing stage for me and once Megan got involved in the closing it was closed money wired to Fidelity within 1 day, after I was told it could be another 3 days plus wire transfer time. I was close to saying forget it, Megan brought it home!"
Karli Pan
Funded in weeks
My experience from start to end was good beginning at end of April 2024 and funded by start of June 2024. Starting with Andrew and providing all the different required information and forms and ending with Amanda and the closing team members, including the notary, everything went well. I am hopeful all customers encounter the same experience. Make no mistake this is expensive decision I am quite well aware of, that is the only drawback but this was critical and necessary in my situation so I am thankful
Jamie
We are in a much better situation
"We had significant equity in our house but were turned down for a standard HELOC and it seemed we had no way to access it to pay down debt and take care of other pressing needs. The Point Equity Investment plan allowed us to access our equity and we are in a much better situation because of that. Every contact with Point was met with a responsive representative and timely follow up. Very happy. Thank you!"
Steve Orecchio
Efficiency!
Efficiency, understanding and concern. No matter how many people I spoke to your in your organization, everyone was very helpful and courteous. Wish there weren’t as many people to communicate with concerning my HEI, but I guess that is the politics of it all.
Thomas Wyman Pinney
We had a very positive experience
"We had a very positive experience with Point. Everyone we dealt with was very helpful and professional. We would recommend this company to others."
Hope
Bravo to Outstanding Service
"Point provided me with outstanding service. I was amazed at how thorough and efficient they were until I went through their process. I highly recommend them."
Tess
Customer Service was above and beyond!
"We did a lot of research and read a lot of reviews before deciding to go with point. The experience we had with Point was superior! The process was very smooth, with a lot of correspondence, and questions were answered quickly. They were very honest, upfront and there weren't any hidden fees or costs."
William

Point is helping homeowners and home buyers achieve their financial goals.

Trustpilot
Point has a
4.5
rating with over
1,600
reviews on Trustpilot.
A loan that made sense for me
"Point were efficient, quick and upfront about all the expenses. After doing the math and looking at other options, Point's deal made the most sense for me."
Tomas
Awesome push through of funds at the buzzer
"James and His manager Megan seemed to understand my sense of urgency as I was using the money for an investment that had a deadline. James pushed it to closing stage for me and once Megan got involved in the closing it was closed money wired to Fidelity within 1 day, after I was told it could be another 3 days plus wire transfer time. I was close to saying forget it, Megan brought it home!"
Karli Pan
Funded in weeks
My experience from start to end was good beginning at end of April 2024 and funded by start of June 2024. Starting with Andrew and providing all the different required information and forms and ending with Amanda and the closing team members, including the notary, everything went well. I am hopeful all customers encounter the same experience. Make no mistake this is expensive decision I am quite well aware of, that is the only drawback but this was critical and necessary in my situation so I am thankful
Jamie
We are in a much better situation
"We had significant equity in our house but were turned down for a standard HELOC and it seemed we had no way to access it to pay down debt and take care of other pressing needs. The Point Equity Investment plan allowed us to access our equity and we are in a much better situation because of that. Every contact with Point was met with a responsive representative and timely follow up. Very happy. Thank you!"
Steve Orecchio
Efficiency!
Efficiency, understanding and concern. No matter how many people I spoke to your in your organization, everyone was very helpful and courteous. Wish there weren’t as many people to communicate with concerning my HEI, but I guess that is the politics of it all.
Thomas Wyman Pinney
We had a very positive experience
"We had a very positive experience with Point. Everyone we dealt with was very helpful and professional. We would recommend this company to others."
Hope
Bravo to Outstanding Service
"Point provided me with outstanding service. I was amazed at how thorough and efficient they were until I went through their process. I highly recommend them."
Tess
Customer Service was above and beyond!
"We did a lot of research and read a lot of reviews before deciding to go with point. The experience we had with Point was superior! The process was very smooth, with a lot of correspondence, and questions were answered quickly. They were very honest, upfront and there weren't any hidden fees or costs."
William
A blue house with a white tag with dollars signs sticking out
Get up to 15 percent of your down payment.

Boost your down payment with a SEED investment.

Join the waitlist for Point’s SEED down payment investment and find out how you can become a homeowner with with as little as 10% of your own funds down – and no PMI.

Point in the media

Our innovative products have been featured in top publications.

Business Insider
Point CEO, Eddie Lim made Business Insider's 100 people who are transforming business
Every year, Insider surfaces 100 leaders across 10 industries who are driving unprecedented change and innovation. Lim, the CEO and cofounder of Point, wants to make it easier for people to tap into that wealth. Lim’s company, which he founded alongside Eoin Matthews in 2015, offers homeowners lump sums of cash in exchange for a stake in their home.
Read this article
TechCrunch
Point closes on $115M to give homeowners a way to cash out on equity in their homes
Historically, homeowners could only tap into the equity of their homes by taking out a home equity loan or refinancing. But a new category of startups have emerged in recent years to give homeowners more options to cash in on their homes in exchange for a share of the future value of their homes.
Read this article