Get up to $500k from your home equity

No monthly payments
No income requirements
No need for perfect credit

4.9
out of 5
4.5
out of 5
Excellent
4.5
out of 5
Excellent
4.9
out of 5

See how Point has helped over 9,000 homeowners across the United States.

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

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

Flexible home equity solutions

Point makes home wealth more valuable for everyone.

Whether you’ve owned your home for 30 years or are just starting your journey towards homeownership, we have a product that fits your unique needs.

If you own a home:

Home Equity Investment1

Get the cash you need – without the things you don’t. No income requirements, no monthly payments, and no need for perfect credit.
500+ Credit Score
No income requirements
No monthly payments

Home Equity Line of Credit2

Fund major expenses with a flexible, affordable line of credit. Check out our competitive rates and easy, online application.
Available in California
680+ Credit Score
Low rates

If you are buying a home:

SEED Down Payment Investment3

Become a homeowner with as little as 10% down – and no PMI.

Gain flexibility and save on your mortgage every month. Start building home equity wealth and experience the pride of ownership.
720+ credit score
No income requirements
No monthly payments

Why Point?

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

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.
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. Point is not added to the title. You can sell your home, buy back your equity, or refinance any time that is convenient for you.
You deserve your financial freedom.
You worked hard to be where you are. Whether you need to unlock your home equity wealth or enhance your down payment, we think you deserve to breathe a little easier or to dream a little bigger.
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 which solution can get you from where you are to where you want to be.

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

Point has a
4.5
rating with over
1,200
reviews on Trustpilot.
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. I can't brag about Point enough!"
William
Very easy process from start to finish
"Very easy process from start to finish. Very knowledgeable and friendly staff to work with. All my questions were answered in a timely manner with the process explained fully."
John
Expectations were set appropriately
"Expectations were set appropriately. Communications were professional and respectful. Someone was always available (during business hours) to respond via phone, email, or text. Great experience! Have already recommended to 3 people."
Ghaith
Point— a great company to do business with
“The Point process was excellent and the people working throughout the process were extremely professional and patient”
Ray & Brenda
I had a great experience with Point
“I had a great experience with Point, I would recommend [Point] to anyone. Thanks for making my day and making the process as seamless as possible”
Justin
Thank you, Point
“My experience with Point was a pleasure from start to finish. The product they offered fit my needs perfectly and was explained in detail where no questions were left unanswered.”
Eugene

Point in the media

Our innovative products have been featured in top publications.

Need cash? Now you can sell the equity in your home to investors
California-based Point is a 2-year-old fintech company specializing in home equity contracts. It offers homeowners cash for a share of the home’s equity, that is, the amount the home is worth beyond the value of the mortgage.
Read more
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 more