Home Equity Investment

What is a Home Equity Investment (HEI)?

An HEI¹ 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.

Get my no-risk offer Learn more about Point's HEI

Get up to $600k:

You receive a lump sum cash payment and Point gets a slice of your home equity.

For up to 30 years:

There are no monthly payments! You maintain complete control over your home and can buy back your equity at any time.

You decide when to exit:

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 homeowners.

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

Eliminate high-interest debt

Eliminate monthly debt payments 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

Get the cash you need using your home equity.

500+ credit score
No income requirements
No monthly payments

How can I qualify for Point’s Home Equity Investment?

What if I don’t own a home?

How does Point’s HEI compare to other home equity solutions?

What is the application process like?

If you’ve applied for another financing product tied to your home before – such as your first mortgage – the HEI application process will look familiar.

To kick things off, you’ll prequalify and receive an offer estimate.
If you like what you see, you can continue to a full application.
The Point team will underwrite your application and order additional reports, including an appraisal, credit report, and title report.
You’ll sign closing documents with a mobile notary, and your Home Equity Investment funds will be wired to your account.

How long will I have to repay a Home Equity Investment?

How much will I owe when I repay my Home Equity Investment?

Repaying an HEI is different from a traditional loan. Instead of making a monthly payment, you pay Point back in one lump sum – at any time during the 30-year term.

Because an HEI is an investment in the future value of your home, the cost of your HEI will depend on the value of your home when you decide to pay Point back.

Take a look at this interactive pricing example to learn more about the potential cost of a Home Equity Investment.

Get cost estimate

How long has Point been around?

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. You can sell your home, buy back your equity, or refinance any time that is convenient for you.

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.

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.

Point has a

4.7

rating with over

1,600 reviews on Trustpilot.

Highly recommended.

I’ve been through countless mortgage and refinancing applications. This was by far the best experience I’ve ever had. I was told 90 days to close at the beginning and we closed in 28 days. The entire process was so efficient and stress free. I was kept informed of the progress each and every step of the way. I am so glad I made the decision to go with Point.

—

David P Boey

The Point process was a lifesaver for…

The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.

—

Bonnie C.

This HEI was a perfect fit for me..

This HEI was a perfect fit for me. Retired and on a fixed income, I found I was paying interest on home equity loans each month. I never seemed to be able to reduce those loans, which meant I was cash-poor each and every month. I was able to pay off all those loans, leaving me with some cash each month. The payoff will happen when I sell my home in the future.

—

Bruce M.

Point was great!!!

Point was great!!!! They gave me money from my home equity when no one else would. I did not qualify for refi or reverse mortgage. They were fast and the customer service was great. I recommend them, highly.

—

Terri C.

When other SAY NO and you are in a bind..

I think is a better alternative to refinance similar in my opinion to a reverse mortgage. your immediate cash flow is not impacted if what you are trying to do is control your cashflow by eliminating smaller loans that do impact your current cashflow.

—

Jose Castillo

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

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

Point has a

4.7

rating with over

1,600 reviews on Trustpilot.

Highly recommended.

I’ve been through countless mortgage and refinancing applications. This was by far the best experience I’ve ever had. I was told 90 days to close at the beginning and we closed in 28 days. The entire process was so efficient and stress free. I was kept informed of the progress each and every step of the way. I am so glad I made the decision to go with Point.

—

David P Boey

The Point process was a lifesaver for…

The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.

—

Bonnie C.

This HEI was a perfect fit for me..

This HEI was a perfect fit for me. Retired and on a fixed income, I found I was paying interest on home equity loans each month. I never seemed to be able to reduce those loans, which meant I was cash-poor each and every month. I was able to pay off all those loans, leaving me with some cash each month. The payoff will happen when I sell my home in the future.

—

Bruce M.

Point was great!!!

Point was great!!!! They gave me money from my home equity when no one else would. I did not qualify for refi or reverse mortgage. They were fast and the customer service was great. I recommend them, highly.

—

Terri C.

When other SAY NO and you are in a bind..

I think is a better alternative to refinance similar in my opinion to a reverse mortgage. your immediate cash flow is not impacted if what you are trying to do is control your cashflow by eliminating smaller loans that do impact your current cashflow.

—

Jose Castillo

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

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 as little as 10% of your own funds down – and no PMI.

Learn more about SEED

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