Get up to $500k from
your home equity.

No monthly payments.
No income requirements.

No need for perfect credit.

Prequalify now

Looking to buy a home?

Point has a 4.5 rating with over 850 reviews on Trustpilot.

I would recommend Point to people in my situation- self employed & having difficulty accessing their equity in their homes. The people that I dealt with were excellent. All my questions were answered promptly & if they didn't have the answer readily available, they were very quick to get an answer.

— Carol
I cannot compliment the Point team enough for their accessibility, efficiency and expediency of the process in which my funding request was transacted, from start to finish. The entire process exceeded my expectations.

— Ronald W. J.
Point made everything possible. If you have an opportunity to work with Point as a means of pulling cash out of your property, you would be well advised to do so. They are user friendly, helpful and very knowledgeable.

— Jace Mattson
After thoroughly researching this type of product, we felt that it matched our needs perfectly! The fact that there aren't any monthly payments really helped. We were able to pay off our high-interest loans and improve our credit with money left over for retirement. I highly recommend this company!

— Kerrie

Point has helped over 5,000 homeowners across the United States.

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

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

Hear more Point stories

Point makes home wealth more valuable for everyone.

Achieve your financial goals, whether you're looking to tap your home equity or purchase your first home.

If you own a home:

Home Equity Investment (HEI) ¹

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

Prequalify now

Home Equity Line of Credit (HELOC) ²

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 interest rates

Get your rate

If you're buying a home:

SEED Down Payment Investment ³

Become a homeowner with as little as 5% down – and no PMI. When you enhance your down payment with a SEED investment, you'll spend less on your mortgage every month – and you may qualify for a better rate.

680+ credit score

No income requirements

No monthly payments

Learn more

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 never added to the title. You can sell your home, buy back your equity, or refinance anytime 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 in the press

Our innovative solutions have been featured in top publications.

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 press coverage

Unlock your home equity with no monthly payments, no income requirements, and no need for perfect credit.

444 High Street, Fl 4
Palo Alto, CA 94301

1.

Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an investment payment for the option to purchase a fractional interest in your home. Point charges a processing fee between 3-5% and other third party paid closing costs such as appraisal, escrow, and government fees. The maximum term is 30 years. Point will place a lien on your home to secure performance of the option agreement. There are no monthly payments or interest accrual. Homeowner’s repayment is based on the future appraised value of the subject property at the time of exit.

California: At this time, only Point’s HELOC product is offered under its California Financing Law license (CFL). Point’s HEI product is not offered under its CFL license, but if you have a complaint concerning the HEI product, you may still file a complaint with the California Department of Financial Protection and Innovation at https://dfpi.ca.gov/file-a-complaint/. Point’s HEI product is offered as a licensed mortgage product in Connecticut, Georgia, and Maryland. HEIs offered in other states are not currently required to be licensed.

2.

Based on Point's rates as of 10/1/2022. A home equity line of credit is secured by your property and is available only for single-family residence, 2-4 unit owner-occupied, and condominiums, excluding co-ops, in California. All loans require a credit union membership. The Annual Percentage Rate (APR) can be as low as 6.25% for the most qualified applicants and will be higher for other applicants, depending on credit profile. For example, a borrower with a CLTV of 50% and a credit score of 800 would receive an APR of 6.25%. The APR is a variable rate that is indexed to the Prime Rate as published in The Wall Street Journal plus a margin. The margin is determined based on credit history, loan amount, property usage, and combined loan-to-value (CLTV) ratio. The floor rate is 3.25%, and the maximum APR is 18%. The variable rate will not increase more than 2% annually. Your initial draw is required to be the lesser of your full credit line or $50,000. No application, early termination, and annual fees. Closing costs may vary based on the line amount, property location, title insurance required, and appraisal fees. Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.

3.

Point partners with and invests alongside the prospective home buyer to provide a down payment for the purchase of their home. Program is subject to the home buyer obtaining adequate financing for the purchase of their home through an eligible lender. Subject to underwriting approval, Point will offer a supplementary down payment up to 15% of the purchase price of the home in exchange for the option to purchase a fractional interest in the home. The home buyer is required to put at least 5% of their own funds down and Point’s supplementary down payment ranges between $10,000 - $250,000 depending on qualification and eligible properties. Point charges a 3% processing fee and other third party paid closing costs such as appraisal, escrow, and government fees. The maximum term is 30 years. Point will place a lien on your home to secure performance of the option agreement. There are no monthly payments or interest accrual. Home buyer's repayment is based on the future appraised value of the subject property at the time of exit.