Point is an alternative to traditional home equity loans and HELOCs.
Point buys into a fraction of your property. There are no monthly payments.

Are you a homeowner?

Point is your home equity partner.

Have you ever wanted something better than a loan? That's Point. We don’t lend money.
We buy into your property as a partner.

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See what our customers are saying.


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“Point literally changed my life.”


“By partnering with Point, I was able to eliminate my high interest credit cards while actually saving money each month toward my family’s future. The process is very straightforward and simple.”

Charlie
San Mateo, CA

“I think the whole experience was great.”


“The best part was how easy and streamlined the process was. There wasn’t a lot of back and forth, which I really appreciated.”

Yiran
Mountain View, CA

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See all testimonials

Point is different.


We pay you today for a share of your home’s future appreciation. There are no monthly payments; there is no interest rate; you can buy Point out or sell the home at any time; we can lose money if the home depreciates. We do well when you do well. Now, that’s quite revolutionary.

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Point’s “no regrets” guarantee.


Making good decisions means avoiding bad ones. We use computers, science and lots of common sense to figure out if Point is the best solution for you. Regrets suck so let’s avoid them.

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Check If You Qualify

See if you qualify in less than 2 minutes. The application is free and we’ll check if you have enough equity to be eligible for Point.

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Compare With Debt Options

Compare Point’s competitive offer with traditional home loans. Choose what is best for you and your financial future.

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Your Partner In Wealth

We don’t choose customers — we choose partners. A team member will answer your questions and bring you on board.

You might be wondering, what are home equity loans and HELOCs anyways?


Also called second mortgages, a home equity loan is a loan that is secured by your property — you borrow a lump sum and repay it with interest over the term of the loan. HELOCs are lines of credit secured by your home — you can borrow as much as you want up to the HELOC limit.

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Is Point A HELOC?

Point is very different from a HELOC. Point is not a loan and it has no monthly payment. We’re invested in your property with you and we share in the home’s appreciation when you decide to sell the home or to buy out Point. In other words, we do well when you do well.

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How To Compare Point With A HELOC

Unlike HELOCs, Point does not have an interest rate. Point’s total cost depends on how your home’s value changes. You should compare the total costs under different home appreciation scenarios.

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What Does It Cost?

HELOCs have fixed or variable interest rates and you will pay interest every month. Point does not have an interest rate or monthly payments. Point makes money when your home appreciates.

Here’s what the press have been saying about us.


“If Point takes off, we could have a more liquid housing market, where risk and debt are spread around, rather than so concentrated.”

A few of our latest resources.


Understanding Home Equity Loans, HELOCs, Reverse Mortgages & Alternatives

Eoin Matthews / Homeowner Resource

Liquidating home equity for cash can be an effective tool for consumers who need to pay for major life expenses, anticipated or otherwise. As the real estate market continues to grow, many homeowners find themselves...

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What Underwriters Look At? HELOC Requirement and Eligibility

Eoin Matthews / Homeowner Resource

HELOC Requirements — Why They Matter Two of the most common options for tapping into your property's equity are home equity loans and home equity lines of credit (HELOCs). Both products are effectively loans that are...

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