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Unlock your home equity.
Build your future.

Get funded in days with a HELOC¹ or choose a Home Equity Investment (HEI)² to get cash with no monthly payments. Get up to $600k from your home on your terms.

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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.

Get my no-risk offer How does Point’s HEI work?

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.

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Home equity solutions for every need

With our HEI and HELOC, you’ll find the right fit— whether you want no monthly payments, flexible requirements, low rates, or fast cash.

HEI

Point'sHome Equity Investment

Get the cash you need– without the things you don’t. No income requirements and no monthly payments.

No monthly payments

Flexible credit requirements

Get up to $600k

HELOC

Point'sHome Equity Line of Credit

Access funds when you need them, and repay over time with monthly payments that adjust to what you draw.

Get cash fast, as soon as 5 days³

Low interest rates

Get up to $750k⁴

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.

See what I can get

Eliminate high-interest debt

Point’s HEI gives you a lump sum now with no monthly payments. With Point’s HELOC, you can regain control of your cash flow by borrowing against your home's equity with a low rate.

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Invest in your home

From critical repairs to major improvements, your equity can help you safeguard and enhance your biggest asset. With Point, you can cover costs now and enjoy the long-term boost in comfort and property value.

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Invest in yourself

Turn your home equity into progress. Use Point’s HELOC or HEI to grow your business, continue your education, or set aside more for retirement. Choose the path that works for your lifestyle.

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Why Point?

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

We are your partner.

Whether you want to eliminate debt, pay for a large expense, or fund a dream – Point can help you by unlocking the value of your home equity.

It's your home, keep it that way.

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

You deserve financial freedom.

We help unlock your home wealth, focusing on financial inclusivity for diverse credit profiles so you can breathe easier and dream bigger.

Find the solution that is right for you.

Life happens, and financial challenges can feel impossible to tackle alone. The good news is you have options. With Point, you can choose between a HELOC with flexible credit and monthly payments, or an HEI with a lump sum and no monthly payments. See which one fits your next move.

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Point is helping homeowners achieve their financial goals.

Point has a

4.7

rating with over

1,600 reviews on Trustpilot.

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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.

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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.

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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!"

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Karli Pan

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."

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William

Have already recommended to 3 people

"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."

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Ghaith

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."

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Tess

The very best experience

“My experience was the best. The process was fast, easy and full of great customer service. Just like it says in their name, they were on “Point”!”

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Anna

I thought the entire process was excellent!

“I was guided through every step and received help when needed … I definitely needed help at times to provide needed documents. … I would recommend this product to my friends!”

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John

This experience was life changing!

“...Thank you again for this opportunity, which was life-changing. I can't tell you enough how it feels not to worry about the next month's bills and whether I need to get a job at 71 yrs old…”

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Shelley

Our credit score is almost 800 now

“It was an incredible opportunity Point gave us. Our credit score is almost 800 now. So far everything has been wonderful. We have no debt and are in a great financial situation.”

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Elliot

Point worked for me when no one else would

“My credit was low, and I needed money to get work done on my house. Point really helped me … I would recommend Point to anyone.”

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Thomas

We absolutely feel more in control of our finances

"We have a handful of credit cards that have a zero balance now. We threw them in a drawer and don’t use them. The less stress and anxiety you have the easier it is to go about your everyday."

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Dennis

I didn't know what to do...then came a letter from Point, to save the day.

"Everything went smoothly and on time. All of my outstanding bills are caught up and most are paid off including my car payment. My family and friends like me never heard of such an investment program. Thank you to everyone at Point.”

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Gregory

I am almost completely debt free and no longer have any financial worries.

"My experience was unbelievable. This is the most professional company that I have ever worked with! They explained everything in a way that was easy to understand, timely, and exactly as represented."

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John

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!"

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Steve Orecchio

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”

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Ray & Brenda

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."

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John

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."

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Hope

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.

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David P Boey

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

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Jamie

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.

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Thomas Wyman Pinney

Great service!

“The entire process was handled professionally from beginning to end. All members of the team in the various departments were responsive and supportive. I would recommend Point as an option for homeowners to consider.”

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Shanti

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.”

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Eugene

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

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

Thank you so much for giving me a chance to get another property and business!

“I got approved for $300K, I was surprised because other banks wouldn't approve me with my credit score, but Point showed me the way...Now I'm in escrow buying my second property and business!"

—

Rogelio

Find answers to common questions about Point's home equity products.

Understand the benefits, application process, and get the information you need to see if a Home Equity Investment (HEI) or HELOC 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

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 HEI 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 my cost estimate

HELOC

Home Equity Line of Credit

A flexible line of credit that you can draw from as needed.

640+ credit score
Cash in as little as 5 days

What is the difference between a HELOC and a HEI?

A Home Equity Line of Credit (HELOC) is a revolving line of credit that lets you borrow against your home and repay it over time through monthly payments with interest.

A Home Equity Investment (HEI), on the other hand, gives you a lump sum of cash upfront with no monthly payments. Instead of paying interest, you agree to share a portion of your home’s future value when you sell, refinance, or buy back the investment.

This makes an HEI especially useful for homeowners who want cash now but prefer not to add another monthly bill.

View my options

What is the HELOC application process like?

How much can I borrow with a HELOC?

How long has Point been around?

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.

—

David P Boey

The Point process was a lifesaver for…

—

Bonnie C.

This HEI was a perfect fit for me..

—

Bruce M.

Point was great!!!

—

Terri C.

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

—

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

—

Karli Pan

Funded in weeks

—

Jamie

Point in the media

Our innovative home equity products have been featured in top publications.

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

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 has 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