Get up to $500k with a
Home Equity Investment

No monthly payments
No income requirements
No need for perfect credit

Get up to $500k with a Home Equity Investment

No monthly payments
No income requirements
No need for perfect credit

Excellent
4.5
out of 5
No need for
perfect credit
No monthly
payments
No income
requirements
Keep the home
you love
Point has a
4.5
rating with over
1,200
reviews on Trustpilot.
We had a very positive experience
"We had a very positive experience with Point. Everyone we dealt with was very helpful and professional. We would recommend this company to others."
Hope
Bravo to Outstanding Service
"Point provided me with outstanding service. I was amazed at how thorough and efficient they were until I went through their process. I highly recommend them."
Tess
Customer Service was Above and Beyond!
"We did a lot of research and read a lot of reviews before deciding to go with point. The experience we had with Point was superior! The process was very smooth, with a lot of correspondence, and questions were answered quickly. They were very honest, upfront and there weren't any hidden fees or costs. I can't brag about Point enough!"
William
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."
John
Expectations were set appropriately
"Expectations were set appropriately. Communications were professional and respectful. Someone was always available (during business hours) to respond via phone, email, or text. Great experience! Have already recommended to 3 people."
Ghaith
Point— a great company to do business with
“The Point process was excellent and the people working throughout the process were extremely professional and patient”
Ray & Brenda
I had a great experience with Point
“I had a great experience with Point, I would recommend [Point] to anyone. Thanks for making my day and making the process as seamless as possible”
Justin
Thank you, Point
“My experience with Point was a pleasure from start to finish. The product they offered fit my needs perfectly and was explained in detail where no questions were left unanswered.”
Eugene

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

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.

Get cash today:
You receive a lump sum cash payment. You can use the funds for whatever you need. In exchange, Point gets a slice of your home equity.
For up to 30 years:
There are no monthly payments, ever. You can buy back your equity at any time within a 30-year term with no penalty. You maintain complete control over your home.
Exit when you decide:
When you decide to buy back your equity, 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 buy back costs may be smaller.

See how an HEI compares

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

Point Home
Equity Investment
Home equity
loan or personal loan
Home
Equity Loan
Reverse Mortgage
Personal
Loans
No payments for up to 30 years
No monthly payments
No income requirements
No age requirements
500+ credit scores
No need to pay off 1st mortgage

How our HEI process works

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

1
Get your initial offer and apply
See if you qualify in 60 seconds or less and get your initial offer with no obligation and no effect on your credit2. When you’re ready, apply with our simple, 100% online application anytime, from anywhere.
2
Verify information and receive a home appraisal
Gather the documents you’ll need and submit them online. Once complete, we will set up an appraisal from an independent licensed third-party to determine the initial value and finalize your offer.
3
Get your funds
Sign your closing documents when they are hand delivered to you by a notary. We will electronically transfer your funds3 directly to your account!

Transparent costs

What does an HEI cost?

Since we invest in your home, your buyback costs are dependent on your home’s change in value when you decide to exit. You control when you want to sell, refinance, or buy back your equity during the 30-year term. See some example cost scenarios for “Tim” to buy back his equity from Point.

Tim gets an HEI today and receives:

$50,000

Tim’s home is worth:

$500,000

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

Large Depreciation

If Tim sells his home for:

$375,000

Tim keeps most of the sale price:

 $331,100

Point gets some of the sale price:

 $43,900

In this scenario, Tim’s cost is less than what he got because Point shares in the depreciation
See more of the math

Average Appreciation

If Tim sells his home for:

$573,800

Tim keeps most of the sale price:

 $469,500

Point gets some of the sale price:

$104,300

High Appreciation

If Tim sells his home for:

$625,300

Tim keeps most of the sale price:

 $514,800

Point gets some of the sale price:

$110,500

In this scenario, the Homeowner Protection Cap kicks in to make sure Tim keeps more of the appreciation gain.
See more of the math

Large Depreciation

If Tim sells his home for:

$375,000

Tim keeps most of the sale price:

$331,100

Point gets some of the sale price:

 $43,900

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

Average Appreciation

If Tim sells his home for:

$573,800

Tim keeps most of the sale price:

$483,100

Point gets some of the sale price:

$90,700

High Appreciation

If Tim sells his home for:

 $625,300

Tim keeps most of the sale price:

$514,800

Point gets some of the sale price:

$110,500

In this scenario, Tim’s cost is capped and he keeps more of the appreciation gain.
See more of the math

Prefer a HELOC?

In some cases, a HELOC can be a faster way to unlock your home equity. Get top-rated service, competitive rates, and fast funding — see your rate in under 2 minutes with no obligation. Available in CA.

Point in the media

Our innovative products have been featured in top publications.

Need cash? Now you can sell the equity in your home to investors
California-based Point is a 2-year-old fintech company specializing in home equity contracts. It offers homeowners cash for a share of the home’s equity, that is, the amount the home is worth beyond the value of the mortgage.
Read more
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 have 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 more