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Point of View

Gain key insights into navigating personal finances, homeownership, and the housing market. Expert advice, research, and news published weekly by Point.

Popular topics for homeowners

Learn how to get more from your home and finances – we cover everything from home equity products to budgeting, renovating, investing and more.

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Home Equity
Homeownership
Financial Wellness
Point Research
Homeowner Stories
Financial Tools

In addition to our collection of homeowner-centric articles, we share the following on the Point of View blog:

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Financial Tools

Generate personalized financial insights with our suite of tools and calculators, covering everything from monthly payments to interest costs and more.

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Point Research

Check out Point’s research and deep dives. We survey real homeowners about topics and current events that matter to them. 

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Funded homeowners
After your HEI

What happens after you get your HEI funds? Learn more about repaying or refinancing your HEI and get resources for the duration of your partnership with Point.

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Popular Home Equity Posts

Learn more about tapping your home equity. Compare home equity products, explore the pros and cons, and discover all the different ways your home wealth can help you reach your financial goals. 

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Home Equity
6 min read

Can you get a HELOC in retirement?

Wondering if you can get a HELOC in retirement? Learn about eligibility, income requirements, and how retirees can leverage home equity to meet financial goals.

Siarra Ortiz
December 6, 2024
Home Equity
7 min read

How to get a home equity loan with high DTI

Home Equity
6 min read

How to find the right HELOC alternative

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Popular Financial Wellness Posts

Get tips and insights for improving your financial health – everything from budgeting and paying off debt to growing your income and retiring.

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Financial Wellness
5 min read

How to get a 800 credit score

Want an 800 credit score? Learn how to pay on time, keep credit use low, build history, and stay consistent to reach exceptional credit.

Siarra Ortiz
April 29, 2025
Financial Wellness
11 min read

How to choose the best low credit lenders

Financial Wellness
6 min read

How to consolidate credit card debt without hurting your credit

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Popular Homeownership Posts

Learn more about your biggest asset: your home. Get tips on maintenance and renovations, information on buying and selling a house, and more.

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Homeownership
7 min read

Can you use your 401k to buy a house?

Wondering if you can use your 401(k) to buy a house? Learn how 401(k) loans and withdrawals work, pros, cons, and better alternatives to consider.

Siarra Ortiz
May 2, 2025
Homeownership
8 min read

Loans to remodel a home: A guide to your options

Homeownership
6 min read

Should I pay off my mortgage early?

Popular financial tools

Create customized financial insights – from monthly payments, to interest costs, and beyond – with our tools and calculators.

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Homeownership
7 min read

Can you use your 401k to buy a house?

Wondering if you can use your 401(k) to buy a house? Learn how 401(k) loans and withdrawals work, pros, cons, and better alternatives to consider.

Siarra Ortiz
May 2, 2025
Financial Wellness
5 min read

How to get a 800 credit score

Want an 800 credit score? Learn how to pay on time, keep credit use low, build history, and stay consistent to reach exceptional credit.

Siarra Ortiz
April 29, 2025
Point Research
7 min read

"Negative Credit Shocks" Holding U.S. Homeowners Back From Home Equity

Negative credit shock events – coupled with high rates – are making it harder than ever for American homeowners to unlock their equity.

Aaron Terrazas
April 9, 2025
Home Equity
5 min read

Refinance or home equity loan: How to choose

Compare refinancing and home equity loans to find the best fit. Learn the pros, cons, and key differences to make a smart financial decision.

Siarra Ortiz
April 4, 2025
Home Equity
6 min read

How to use equity in your home

Learn smart ways to use your home equity—whether for renovations, debt consolidation, or major expenses. Explore your options and how they work.

Siarra Ortiz
April 2, 2025
Homeownership
8 min read

Loans to remodel a home: A guide to your options

Explore top loan options to remodel your home. Compare rates, learn about requirements, and find the best financing for your renovation project.

Siarra Ortiz
March 31, 2025
Home Equity
6 min read

Should you use a home equity loan for debt consolidation?

Considering a home equity loan for debt consolidation? Learn the pros and cons, how it works, and whether it’s the right move for your financial situation.

Siarra Ortiz
March 20, 2025
Financial Wellness
6 min read

Loans for bad credit: A guide

Explore loan options for bad credit, including personal, secured, and alternative loans. Learn how to qualify and choose the best option for your needs.

Siarra Ortiz
March 18, 2025
Homeowner Stories
3 min read

Homeowner story: Meet Richard S.

Richard needed to fund his retirement—here’s how his equity gave him financial freedom.

Siarra Ortiz
March 12, 2025
Home Equity
5 min read

Should you use home equity to buy a car?

Considering using home equity to buy a car? Compare home equity options and auto loans to weigh the risks, benefits, and best financing option for you.

Siarra Ortiz
March 7, 2025
Home Equity
6 min read

What is the draw period on a HELOC?

Learn more about the HELOC draw period and ways to maximize it for smart borrowing. Also, explore repayment strategies and common pitfalls to manage your home equity wisely.

Siarra Ortiz
March 3, 2025
Home Equity
7 min read

The downside of reverse mortgages

Explore the downside of reverse mortgages and what you need to consider for informed retirement planning.

Siarra Ortiz
February 28, 2025
Home Equity
6 min read

How much does it cost to refinance a house?

Thinking about refinancing your home? Discover the full range of costs—from appraisal to closing fees—and see if the savings are worth it.

Siarra Ortiz
February 26, 2025
Homeownership
6 min read

Should I pay off my mortgage early?

Thinking about an early mortgage payoff? Explore the pros, cons, and strategies for a smoother path to financial freedom.

Siarra Ortiz
February 24, 2025
Financial Wellness
8 min read

Loans you can apply for in order to pay bills

Need help paying your bills? Learn how loans can provide financial relief, with essential tips on choosing the right option for long-term financial stability.

Siarra Ortiz
February 18, 2025
Financial Wellness
5 min read

How to manage debt & effective debt management strategies

Discover smart strategies to manage debt, reduce financial stress, and stay in control of your finances.

Siarra Ortiz
February 7, 2025
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See if Point's HEI is the right fit.

Some financial situations feel daunting to overcome. Some dreams feel financially out of reach. With access to the wealth you've built in your home, you can get $30k - $500k for whatever you need.

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Freedom to breathe

Set yourself up for financial success by reducing your monthly expenses.
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Pay off your high-interest debt
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Cover unexpected household expenses
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Settle outstanding medical bills 
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Freedom to dream

Pursue and accomplish your life-long goals.
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Renovate your ideal home
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Start a new business
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Pursue an education
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Point in the media

Our innovative products have been featured in top publications.

Business Insider
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.
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TechCrunch
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.
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The Real DealTHE WALL STREET JOURNALFast Company The Washington PostThe Atlantic fox business
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Get up to $500k with no monthly payments

Sorry for the pop-up! We just wanted to tell you about our home equity solution, the Home Equity Investment (HEI). Here’s why homeowners love it:

  • No income requirements
  • No monthly payments
  • No need for perfect credit
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