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Excellent

4.7

out of 5

Point's Home Equity Investment¹ (HEI) has helped over 20,000 homeowners across the United States.

With Point's Home Equity Investment (HEI), you get cash from your home without the inconveniences of a traditional loan.

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?

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

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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.

A man and woman sitting on a couch with a box. — 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 traditional loan or monthly 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, making it a great solution if you want to tap into your home’s value without impacting your family's budget.

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 worked with more than 20,000 happy homeowners, and have 4.7 stars from over 3,000 reviewers on Trustpilot.

My experience with Point was smooth

"My experience with Point was smooth .I was impressed by the interactive process for the loan approval by Point at each step. The documents and videos they sent me ahead were also very helpful while making the decision. Thank you"

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Kiruthika Sabanayagam

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

I continue to have a very positive experience with Point.

"I continue to have a very positive experience with Point. This is my second home equity loan with this company, and it continues to be a seamless process with good communication, information provided at every step of the way, and expediency from start to finish. I love the way you are connected with the appropriate professionals at different stages of the process, and they have all been extremely pleasant and professional. I also appreciate the high degree of integrity and responsibility by not allowing me to take more money than they felt was appropriate given the value of my home. I highly recommend this company, and would be happy to speak with anyone considering doing business with this company."

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Dawn Shirley Mazzarella

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

Working with Point was truly exceptional from start to finish.

"Working with Point was truly exceptional from start to finish. Their process was smooth, transparent, and perfectly communicated with step-by-step updates every step of the way. I always knew exactly what was happening and what to expect. Jon Trautman and Taylor Andrews went above and beyond — professional, patient, and incredibly knowledgeable. They answered every question clearly and made the entire experience stress-free. Point is straightforward, honest, and refreshingly genuine — no gimmicks, no surprises, just real people delivering real results. I’m beyond happy with the outcome and would recommend Point to anyone looking for a trustworthy and efficient company. Five stars all the way!"

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Luiz Arbore

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

What's my home worth?