How can Point’s HEI help?

As a homeowner, you get upfront funds from Point in return for a portion of your home’s future appreciation. You control when you exit the partnership during the 30-year term.

Get freedom to breathe

Access the wealth you've built in your home, and get $30k - $500k for whatever you need.

Pay off your high-interest debt

Start a new business

Renovate your ideal home

Settle outstanding medical bills

Home Equity Investment (HEI) basics

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

There are no monthly payments. You can buy back your equity at any time within a 30-year term with no penalty.

When you decide to buy back your equity, the amount you pay back depends on the value of your home. If your home’s value goes up, Point shares in the gain. If the value falls, your buy back costs may be smaller.

How can Point’s HEI help?

Some financial situations feel daunting to overcome. Some dreams feel financially out of reach. With access to the wealth you've built in your home, you can get $25k - $500k for whatever you need.

Freedom to breathe

Set yourself up for financial success by reducing your monthly expenses.

Pay off your high-interest debt

Cover unexpected household expenses

Settle outstanding medical bills

Freedom to dream

Pursue and accomplish your life-long goals.

Renovate your ideal home

Start a new business

Pursue an education

See how an HEI compares

Point’s HEI is the ideal financing option for homeowners seeking maximum flexibility.

A picture of a house and a round object.

Point Home
Equity Investment

Home equity
loan or personal loan

HELOC

Reverse Mortgage

Personal
Loans

No payments for up to 30 years

No monthly payments

No income requirements

Allows applicants under 62

500+ credit scores

No need to pay off 1st mortgage

See what I can get

Learn how the HEI works

What does an HEI cost?

Since we invest in your home, your buyback costs are dependent on your home’s change in value. You have full control when you want to sell, refinance, or buy back your equity during the 30-year term.

Here are example scenarios for “Tim” who has decided to sell his home after getting cash from an HEI.

Tim gets an HEI today and receives:

$50,000

Tim’s home is worth:

$500,000

Five years later, Tim decides to sell his home, how much does he pay Point back?

Large Depreciation

If Tim sells his home for:

$362,100

Tim keeps most of the sale price:

$312,700

Point gets some of the sale:

$49,400

In this scenario, Tim’s cost is less than he took out because Point shares in the depreciation.

Average Appreciation

If Tim sells his home for:

$593,800

Tim keeps most of the sale price:

$494,800

Point gets some of the sale:

$99,000

In this scenario, Tim's cost is capped with a time-based, max amount due to the significant appreciation.

High Appreciation

If Tim sells his home for:

$653,500

Tim keeps most of the sale price:

$541,800

Point gets some of the sale:

$111,700

In this scenario, Tim's cost is capped with a time-based, max amount due to the significant appreciation.

Large Depreciation

If Tim sells his home for:

$362,100

Tim keeps most of the sale price:

$312,700

Point gets some of the sale price:

$49,400

In this scenario, Tim’s cost is less than he took out because Point shares in the depreciation.

Average Appreciation

If Tim sells his home for:

$593,800

Tim keeps most of the sale price:

$494,800

Point gets some of the sale price:

$99,000

In this scenario, Tim's cost is capped with a time-based, max amount due to the significant appreciation.

High Appreciation

If Tim sells his home for:

$653,500

Tim keeps most of the sale price:

$541,800

Point gets some of the sale price:

$111,700

High home appreciation

5.5% annual increase in the home price over 5 years.

The risk adjusted value for Tim’s home is $365,000.*

He gets $50,000 from Point today.

Five years of appreciation later, Tim decides to exit his HEI and sell his home for $653,500.

Tim’s home value has appreciated $288,500 above the risk adjusted value.

Tim keeps around 83% of the sale: $541,800.

Point gets around 17% of the sale: $111,700.

‍

*Since Point shares in the downside, we apply a home value risk adjustment of 27%. The risk adjustment helps offset any short-term price volatility to protect the original investment and makes it possible to offer no prepayment penalties.

Want to learn more about HEI pricing specific to you?

Point has a

4.5

rating with over

1,600 reviews on Trustpilot.

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.

—

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.

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.

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.

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.

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."

Tomas

Awesome push through of funds at the buzzer

"James and His manager Megan seemed to understand my sense of urgency as I was using the money for an investment that had a deadline. James pushed it to closing stage for me and once Megan got involved in the closing it was closed money wired to Fidelity within 1 day, after I was told it could be another 3 days plus wire transfer time. I was close to saying forget it, Megan brought it home!"

Karli Pan

Funded in weeks

My experience from start to end was good beginning at end of April 2024 and funded by start of June 2024. Starting with Andrew and providing all the different required information and forms and ending with Amanda and the closing team members, including the notary, everything went well. I am hopeful all customers encounter the same experience. Make no mistake this is expensive decision I am quite well aware of, that is the only drawback but this was critical and necessary in my situation so I am thankful

Jamie

See how much you qualify for and get your initial HEI1 offer in 60 seconds!

How can Point’s HEI help?

As a homeowner, you get upfront funds from Point in return for a portion of your home’s future appreciation. You control when you exit the partnership during the 30-year term.

Get freedom to breathe

Home Equity Investment (HEI) basics

How can Point’s HEI help?

Some financial situations feel daunting to overcome. Some dreams feel financially out of reach. With access to the wealth you've built in your home, you can get $25k - $500k for whatever you need.

Freedom to breathe

Freedom to dream

See how an HEI compares

Point’s HEI is the ideal financing option for homeowners seeking maximum flexibility.

Point HomeEquity Investment

Home equityloan or personal loan

HELOC

Reverse Mortgage

PersonalLoans

What is a Home Equity Investment (HEI)?

Point’s HEI is a partnership between you and Point. As a homeowner, you get upfront funds from Point in return for a portion of your home’s future appreciation. You control when you exit the partnership during the 30-year term.

How our HEI process works

Our home equity experts are here to support you throughout the entire process.

Get your initial offer and apply

Verify information and receive a home appraisal

Get your funds

Transparent costs

What does an HEI cost?

Tim gets an HEI today and receives:

$50,000

Tim’s home is worth:

$500,000

Five years later, Tim decides to sell his home, how much does he pay Point back?

Large Depreciation

$362,100

$312,700

$49,400

Average Appreciation

$593,800

$494,800

$99,000

High Appreciation

$653,500

$541,800

$111,700

Large Depreciation

$362,100

$312,700

$49,400

Average Appreciation

$593,800

$494,800

$99,000

High Appreciation

$653,500

$541,800

$111,700

Point in the media

Our innovative products have been featured in top publications.

Get up to $500k with no monthly payments

See how much you qualify for and get your initial HEI¹ offer in 60 seconds!

Point Home
Equity Investment

Home equity
loan or personal loan

Personal
Loans