Check the value of your home

What is my home worth?

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Point's Home Equity Investment¹ (HEI) has helped over 10,000 homeowners across the United States.

Point's Home Equity Investment (HEI) allows homeowners to receive a lump sum of cash in exchange for a portion of their home's future appreciation. Homeowners can get cash with no monthly payments required.

What is your home worth in today's housing market?

As a homeowner, knowing the current value of your home is crucial, whether you're planning to sell, refinance, or tap into your equity for extra cash. Your home's current value may even affect your property taxes. With so many online tools available, checking the value of your home is easier than ever. But how accurate are these estimates?

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Once you know your home’s worth, what are your options if you want to turn that value into cash?

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In this guide, we’ll show you how to check the value of your home, explore Point’s Home Equity Investment (HEI) as an alternative to traditional home equity loans, and explain how this unique product allows you to get cash from your home without taking on debt.

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Find out your home’s value today and discover how much equity you can access. Get a personalized estimate in minutes with Point's easy online application and see how you can unlock cash from your equity without the need to sell, rent or relocate. Start exploring your options to make your home equity work for you.

Knowing how much equity you have—and how much you could potentially access—gives you more control over your financial future. It empowers you to make informed choices, whether that means tapping into your equity to meet immediate needs, investing in property improvements, or saving it as a safety net for the future.

How much is your home worth? Here’s how to find out

Understanding your home’s value starts with some simple research. While you could hire a professional appraiser, there are faster and more cost-effective ways to get an estimate:

Online home value estimators
Many websites, such as Point, Zillow, Redfin, and Realtor.com, will offer home value estimators. Simply enter your address, and you’ll receive a rough estimate of your home’s worth based on recent sales in your area, property characteristics, and current market trends. While these tools are a great starting point, remember that they may not account for specific improvements or unique features of your home.
Real estate market comparisons
To refine your estimate, look at recent home sales in your neighborhood. Compare homes with similar sizes, layouts, and features. Keep in mind, however, that market conditions fluctuate, and local factors—such as school districts or upcoming infrastructure projects—can also influence your home’s value. Similar homes may also be in different conditions.
Professional appraisal
For the most accurate assessment, consider a professional home appraisal. While this option costs more than online tools, it provides a thorough analysis of your home’s value based on both physical inspection and market data. Point can help facilitate getting an appraisal if you are interested in using your home equity to get cash with Point's Home Equity Investment.

Get cash with your Home Equity: Introducing Point’s HEI

Once you have an idea of your home’s value, you may be considering ways to access some of that equity. Traditional options, like home equity loans or lines of credit (HELOCs), require taking on new debt and making monthly payments. However, Point’s Home Equity Investment (HEI) provides a convenient alternative.

What is a Home Equity Investment (HEI)?
With Point’s HEI, you can receive cash for a portion of your home’s equity without a loan or interest payments. Point makes an investment in your home, providing you with a lump sum of cash upfront. You’ll have the flexibility to use this cash as you wish—whether it’s for home improvements, paying off debt, or other financial goals.

How does Point’s HEI work?
In exchange for cash, Point receives a percentage share in the future value of your home. When you sell or refinance, Point’s share is settled based on the appraised value at that time. This structure allows you to access the cash you need without monthly payments or conventional interest, making it a great solution if you want to tap into your home’s value without impacting your debt-to-income ratio.

The benefits of choosing a Home Equity Investment

Point helps homeowners get up to $500k from their home equity and has several advantages over traditional home equity products:

No monthly payments:
With a Home Equity Investment, you won’t have to worry about additional bills each month, making it easier to budget.
Easier qualification:
Point's HEI has no income requirements, and homeowners can qualify with a credit score above 500.
Flexible use of funds:
Use the funds for any purpose, whether it’s to fund a business, renovate, or even take a dream vacation.

Final thoughts: Check the value of your home and explore your options

Home equity represents the portion of your home that you truly own, and it’s a powerful financial asset. Whether you’ve built equity over time through mortgage payments or your property has appreciated in value, this equity can open doors to financial opportunities. But, to make the most of it, you first need to know your home’s value.

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Frequently Asked Questions

How do you find the value of a home?

What is current fair market value?

What is my house worth?

How do I find the original value of my home?

How do you calculate the appraised value of a house?

To calculate the appraised value of a house, you'll first need an appraisal. Appraisals are done by licensed professionals, typically as part of a real estate transaction such as a purchase or an equity extraction. Appraisers are not associated with the lender or real estate agent, which keeps their assessment of the home's value impartial. Appraisers take multiple factors into account, including your home's size, condition, location, and surrounding amenities. They will also use market data from recent sales in the area.

Point is the leader in Home Equity Investments

We've funded more than 10,000 homeowners, and have over 1,000 five star reviews from happy homeowners.

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

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.

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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.

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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."

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Tomas

What's my home worth?