What is a Home Equity Investment (HEI)?

An HEI¹ is a partnership between you and Point, where you, the homeowner, get funds upfront from Point in return for a portion of your home’s future appreciation in value. You control when you exit the partnership.

Get my no-risk offer

Get up to $600k:

You receive a lump sum cash payment and Point gets a slice of your home equity.

For up to 30 years:

There are no monthly payments! You maintain complete control over your home and can buy back your equity at any time.

You decide when to exit:

The amount you pay back depends on the value of your home at that time. If your home’s value goes up, Point shares in the gain. If the value falls, your buyback costs may be smaller.

Point makes home wealth more valuable for homeowners.

You built your home equity with every mortgage payment and renovation. We built a financial solution that empowers you to unlock your home equity when you need it most.

Prequalify now

Eliminate high-interest debt

Use an HEI to pay off high-interest debts like credit card balances – without new monthly payments. Qualify easily with Point, even with financial challenges, and get rid of costly monthly payments.

A kitchen counter with a vase on top of it.

Invest in your home

An HEI can help finance home maintenance and improvements, like roof repairs, without high-interest loans or using savings. Preserve your home's integrity and increase its value.

Three people in a circle with a graduation cap on.

Invest in yourself

Your home equity can fuel personal and professional growth, bolster retirement savings, and create new opportunities. With an HEI, you can grow your business, fund education, and secure your financial future—without tapping your savings.

Find answers to common questions about HEIs.

Learn more about the HEI, a tool that helps you leverage your biggest financial asset. Understand the benefits, the application process, and get the information you need to see if a Home Equity Investment is the right home equity solution for you.

HEI

Home Equity Investment

Get the cash you need using your home equity. Prequalify in 60 seconds and see how much you can unlock.

500+ credit score
No income requirements
No monthly payments

How can I qualify for Point’s Home Equity Investment?

What if I don’t own a home?

How does Point’s HEI compare to other home equity solutions?

What is the application process like?

If you’ve applied for another financing product tied to your home before – such as your first mortgage – the HEI application process will look familiar.

To kick things off, you’ll prequalify and receive an offer estimate.
If you like what you see, you can continue to a full application.
The Point team will underwrite your application and order additional reports, including an appraisal, credit report, and title report.
You’ll sign closing documents with a mobile notary, and your Home Equity Investment funds will be wired to your account.

How long will I have to repay a Home Equity Investment?

How much will I owe when I repay my Home Equity Investment?

How long has Point been around?

Why Point?

Point is your partner in home wealth. When you do well, we do well.

We are your partner.

We don't choose customers — we choose partners. Whether you want to eliminate debt, pay for a large expense, or fund a dream – you choose your life’s direction. We want to help you do that by making your current or future home work for you.

It's your home — keep it that way.

We are partners in your home’s value, not co-owners. It's your home and you retain full control. You can sell your home, buy back your equity, or refinance any time that is convenient for you.

You deserve your financial freedom.

We help unlock your home equity wealth, focusing on financial inclusivity for diverse credit profiles, so you can breathe easier and dream bigger. Our approach is tailored to empower your financial journey, regardless of where you stand.

Find what's right for you.

We understand life happens. Some financial situations feel impossible to overcome. The good news is that we can help. See how a Home Equity Investment can get you from where you are to where you want to be.

Point is helping homeowners achieve their financial goals.

Point has a

4.7

rating with over

1,600 reviews on Trustpilot.

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."

—

Dawn Shirley Mazzarella

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!"

—

Luiz Arbore

Applying was easy, submitting documents was seamless

"Applying was easy, submitting documents was seamless and as long as you keep up with the dashboard the process goes pretty smooth and quick. We had looked into another company and the only thing I could say is I would have liked to be able to communicate with our advisor more easily and them be more accessible like the other company’s was. They were also going to fund a higher amount, but it would have taken longer. I also didn’t agree with their appraisal as we had one with another company and our home was appraiser for much more. However Point was much quicker. "

—

Zachary Robert Thomas Baumgard

I had a very insightful and understanding Account Manager.

"I had a very insightful and understanding Account Manager. Ray was very insightful and thorough when he explained the Point HEI program. There were some issues with my application. Ray explained and consoled me about those issues, and he shared his optimism on how to proceed and overcome my issues. Christine was very thorough in updating me on the step-by-step process of my application. I also had assistance from other departments within Point that I was able to contact if I had any questions. "

—

John Wesley Mims

The whole process is very clear cut and transparent

"The whole process is very clear cut and the dashboard of progress for my account, was easy to follow and understand. The final closing process takes a little long and final approval and clear to close. The download of necessary documentation was easy to complete. The staff are very nice to communicate with and did follow up. The financial education class was very good and helpful. Rachel was very helpful and responsive to my texts. "

—

Matthew Emerson Light

My experience has been great because it has been an easy, step by step process!

"My experience has been great because it has been an easy, step by step process! Also, the customer service has been amazing. They did a wonderful job of explaining the entire program and what to expect, as well as choosing the company to provide financial counseling and making sure that, as a customer, I truly understand the process and how it works. Transparency has been a major goal for Point and they have reached that goal!"

—

Liz D

I truly appreciate the process Point has created from beginning to end

"I truly appreciate the process Point has created from beginning to end, which provides needed understanding and also timeliness. Derick Joseph Sanchez deserves mention for his efficiency in moving things along. All agents were great to work with when I called in and my account manager, Anita, was outstanding. Thank you, Point team!"

—

Kat Scott

I love the way I was kept informed of each step in process.

"I love the way I was kept informed of each step in process. The representative they came out to my closing was awesome , friendly and she was on time. Sometimes I didn't understand the reasoning of why certain things came into play and my representative account manager Ray was very helpful in explaining everything"

—

Dee

Point is helping homeowners and home buyers achieve their financial goals.

Point has a

4.7

rating with over

1,600 reviews on Trustpilot.

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."

—

Dawn Shirley Mazzarella

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!"

—

Luiz Arbore

Applying was easy, submitting documents was seamless

"Applying was easy, submitting documents was seamless and as long as you keep up with the dashboard the process goes pretty smooth and quick. We had looked into another company and the only thing I could say is I would have liked to be able to communicate with our advisor more easily and them be more accessible like the other company’s was. They were also going to fund a higher amount, but it would have taken longer. I also didn’t agree with their appraisal as we had one with another company and our home was appraiser for much more. However Point was much quicker. "

—

Zachary Robert Thomas Baumgard

I had a very insightful and understanding Account Manager.

"I had a very insightful and understanding Account Manager. Ray was very insightful and thorough when he explained the Point HEI program. There were some issues with my application. Ray explained and consoled me about those issues, and he shared his optimism on how to proceed and overcome my issues. Christine was very thorough in updating me on the step-by-step process of my application. I also had assistance from other departments within Point that I was able to contact if I had any questions. "

—

John Wesley Mims

The whole process is very clear cut and transparent

"The whole process is very clear cut and the dashboard of progress for my account, was easy to follow and understand. The final closing process takes a little long and final approval and clear to close. The download of necessary documentation was easy to complete. The staff are very nice to communicate with and did follow up. The financial education class was very good and helpful. Rachel was very helpful and responsive to my texts. "

—

Matthew Emerson Light

My experience has been great because it has been an easy, step by step process!

"My experience has been great because it has been an easy, step by step process! Also, the customer service has been amazing. They did a wonderful job of explaining the entire program and what to expect, as well as choosing the company to provide financial counseling and making sure that, as a customer, I truly understand the process and how it works. Transparency has been a major goal for Point and they have reached that goal!"

—

Liz D

I truly appreciate the process Point has created from beginning to end

"I truly appreciate the process Point has created from beginning to end, which provides needed understanding and also timeliness. Derick Joseph Sanchez deserves mention for his efficiency in moving things along. All agents were great to work with when I called in and my account manager, Anita, was outstanding. Thank you, Point team!"

—

Kat Scott

I love the way I was kept informed of each step in process.

"I love the way I was kept informed of each step in process. The representative they came out to my closing was awesome , friendly and she was on time. Sometimes I didn't understand the reasoning of why certain things came into play and my representative account manager Ray was very helpful in explaining everything"

—

Dee

Unlock your equity.
Build your future.