The banks required a lot more to qualify for their loans. Point came in and said, here’s an option for you.
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.
from Issaquah, WA
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 cash today:
You receive a lump sum cash payment. You can use the funds for whatever you need. In exchange, Point gets a slice of your home equity.
For up to 30 years:
There are no monthly payments, ever. You can buy back your equity at any time within a 30-year term with no penalty. You maintain complete control over your home.
You decide when to exit:
When you decide to buy back your equity, 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 everyone.
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
Use an HEI to pay off high-interest debts like credit card balances – without new monthly payments. Qualify easily with Point, even with financial challenges, and get rid of costly monthly payments.
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.
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.
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?
How much will I owe when I repay my Home Equity Investment?
How does Point’s HEI compare to other home equity solutions?
What is the application process like?
What if I don’t own a home?
How long will I have to repay a Home Equity Investment?
How long has Point been around?
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.
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 with as little as 10% of your own funds down – and no PMI.