A new option for your home equity clients.
Your clients get cash for their home equity without adding a monthly payment. Point handles the processing and decisioning, allowing you to focus on the customer.
Credit Score Range
500 to 850
Offer amount
$30,00 to $600,000
Term length
Up to 30 years
What is a Home Equity Investment?
A Home Equity Investment (HEI) is an alternative to traditional home equity solutions. The homeowner gets an upfront cash payment of up to 20% of their home’s value in exchange for a share of future home appreciation.
- No monthly payments
- No income requirements
- No need to pay off the first lien
- Flexible, 30-year term (repaid at any time)
See how an HEI compares
HEI
Home equity
loan or personal loan
HELOC
Reverse Mortgage
Personal
Loans
The right clients are waiting.
The ideal customer is a seasoned homeowner with emerging cash flow sensitivity. Something is different than before, and will likely be different again in 5-10 years.
As a result, flexibility matters more than price at this time. Typical use cases include examples:
Home improvement
Clients who want to renovate without adding a monthly payment on top of their mortgage.
Retirement savings
Clients who want to renovate without adding a monthly payment on top of their mortgage.
Small business
Clients who want to renovate without adding a monthly payment on top of their mortgage.
Debt consolidation
Clients who want to renovate without adding a monthly payment on top of their mortgage.
Education expenses
Clients who want to renovate without adding a monthly payment on top of their mortgage.
Loss of income
Clients who want to renovate without adding a monthly payment on top of their mortgage.
Real results from real homeowners.
I had $47,000 in credit card debt at 24% interest. Point gave me a way to pay it all off without adding another monthly payment. My credit score went up 120 points in the first year.
Maria R.
from Phoenix, AZ
After my husband passed, I was living on Social Security and couldn't qualify for a HELOC. Point let me access my equity to cover medical bills and stay in my home. No monthly payments was the only way it could work for me.
Dorothy L.
from Tampa, FL
Two banks turned me down because of an old judgment on my title. Point worked through the title issues, paid off the judgment from proceeds, and I closed in under a month. I didn't think it was possible.
James T.
from Cleveland, OH
Scenario to funding in three steps
Run a scenario
Enter an address. Get an offer in seconds.
Send the offer details to your client
Send the offer estimate to your client. They click through to apply. Point starts reviewing the application.
Track and get paid
Track your pipeline in the Partner Portal. Earn 3.5% when it funds.
Tell us about your business and we'll reach out to discuss the program.
Home Equity Investment
How does Point’s HEI compare to a HELOC, refinance, or home equity loan?
How long does it take to get funds from Point?
How much does Point’s HEI cost?
How is my home’s initial value determined?
How do homeowners qualify?
How do I pay back my Home Equity Investment?
Is Point going to try and foreclose on me?
Can I repay my HEI before my term is over?
Hello.
Point in the media
Our innovative home equity products have been featured in top publications.
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.
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.
