How the HEI works

Learn about HEI costs – and how we keep them down with Point's Homeowner Protection Cap.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form. Please refresh the page and try again.
Point home equity how it works hero image

HEIs let you get up to $500k from your home equity

No income requirements
No monthly payments
No need for perfect credit
Prequalify nowHEI overview

Home Equity Investments empower you to get up to $500k from your home equity with no monthly payments.1

Point BBB Rating
Excellent
4.5
out of 5
HEI overview
Get funded
Paying Point back
Exit on your terms
HEI cost estimator
Home Equity Investment overview

Get cash from your home equity with Point's HEI

A Home Equity Investment (HEI) is an alternative to traditional home equity solutions. It’s a way to tap into your home equity nest egg – and maximize your financial flexibility at the same time. Unlike conventional loans, Point’s HEI has:

  • No monthly payments
  • No need for perfect credit (500+)
  • No income requirements
  • Flexible, 30-year term
Point’s share of appreciation is capped to protect your interest in the property. Of course, your buyback cost can be much less than this depending on home appreciation and when you repay your HEI.
See how the cap impacts your pricing
Golden House
Get funded

Your path to funding

Get started today by prequalifying and submitting your application. Our team of home equity specialists will be with you every step of the way.

Prequalify now
  • Prequalify in 60 seconds and see how much you can unlock. 
  • Complete your no-risk application and start using your homeowner dashboard to track your progress. 
  • Motivated homeowners can close in as little as 3 weeks!3

​​Point has funded more than 10,000 homeowners.
See what our customers have to say.

gray wooden bench with a glowing gold shield floating above it
Paying Point back

Learn more about HEI repayment

Repaying an HEI is different from a traditional loan. Instead of making a monthly payment, you pay Point back in one lump sum – at any time during the 30-year term. Many homeowners choose to do this when they sell their home or refinance. 

1

How much does an HEI cost?

Because an HEI is an investment in the future value of your home, the cost of your HEI will depend on the value of your home when you decide to pay Point back. 

You will pay back your original investment amount, plus a portion of your home’s value (minus the appreciation starting value).

HEI cost estimator
2

Understanding appreciation starting value

We believe in honoring the investment you've already made in your home. You owned your home for years before partnering with Point, so we don't share in the entire value.

When we calculate your final HEI costs, the appreciation starting value is not included in Point’s share. It’s our way of protecting your home equity nest egg.

3

More homeowner protections

If your home value increases dramatically, there is an upper limit on how much you can repay. Point’s Homeowner Protection Cap is a maximum percentage, calculated annually.

You’ll never pay more than the cap – no matter what your home is worth. Additionally, Point does well if you do well. If your home value depreciates below the appreciation starting value, Point will share in the loss. That means you could repay less than what you received.

Pie with a piece taken out and put on a plate
Paying Point back

Repay on your schedule – not a bank’s

With an HEI, there is no amortization schedule or prepayment penalty. You’re free to repay at the right time for you – any time during the 30-year term.

How repayment works:

  • Our team of home equity specialists is always available. They’ll be with you during the application process, and they’ll be there for you to walk you through the repayment process, too. 
  • The HEI payback amount typically – but not always – increases over time due to home price appreciation.
  • You’ll need to repay your HEI in one lump sum. Homeowners typically do this through a home sale, a cash-out refinance, or another source of funds.
  • The flexible, 30-year term ensures that your HEI fits your financial goals.
Illustration of a small neighborhood

HEI cost estimator

Point covers upfront appraisal costs

Point covers all upfront costs in the application, so there is no risk to apply. When you are funded some of these fees will be reimbursed from the lump sum of cash you receive.

For this estimation, there is a minimum home value of $300,000.

$000,000

When you apply for your HEI, you will be able to select your offer amount (with a maximum based on your home equity). For this example, we’re setting the offer at 10% of your home’s value to demonstrate common pricing scenarios.

Get your no-risk, personalized HEI offer
When you apply for your HEI, you’ll be able to select an offer amount (with a maximum based on your home equity). For this example, we’re setting the offer at 10% of your home’s value to demonstrate how HEI pricing works.
1.5%
Low growth: 1.5%
Your Final Home Value
$000,000
Enter your home value and select a year to estimate your future appreciation and HEI costs.
Year:
Repayment is capped.
2
Repayment is capped.
4
Repayment is capped.
6
Repayment is capped.
8
Repayment is capped.
10
Repayment is capped.
12
Repayment is capped.
14
Repayment is capped.
16
Repayment is capped.
18
Repayment is capped.
20
Repayment is capped.
22
Repayment is capped.
24
Repayment is capped.
26
Repayment is capped.
28
Repayment is capped.
30
Home Value
Select an exit year
Point’s share shows approximate HEI costs if repaid in # years with 1.5% annual home value appreciation. You can pre-qualify for free to see your personalized offer and pricing.
$--
This can be compared to an annual interest rate of ---%. Note that Point does not charge interest and the HEI has no monthly payments!
$--
Homeowners enjoy their HEI funds for up to 30 years, retain full ownership of their home, and keep a significant portion of their home equity's value.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Frequently asked questions

HEI

Find answers to common questions about Point's HEI

How does Point’s HEI compare to a HELOC, refinance, or home equity loan?

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.
Read this article
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.
Read this article
Read more press coverage

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
Show me my offer
A picture of a building that is yellow and white.