Learn more about Point’s HEI

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 $25k - $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

How our HEI process works

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

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 credit. When you’re ready, apply with our simple, 100% online application and close in as little as 3 weeks².

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 third-party to determine the initial value and finalize your offer.

Get your funds

Sign your closing documents when they are hand delivered to you by a notary. We will electronically transfer your funds directly to your account!

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:

$493,500

Point gets some of the sale:

$100,300

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:

$540,000

Point gets some of the sale:

$113,500

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 inthe depreciation.

Average Appreciation

If Tim sells his home for:

$593,800

Tim keeps most of the sale price:

$493,500

Point gets some of the sale price:

$100,300

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:

$540,000

Point gets some of the sale price:

$113,500

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: $540,000.

Point gets around 17% of the sale: $113,500.

‍

*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.

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

We are in a much better situation

"We had significant equity in our house but were turned down for a standard HELOC and it seemed we had no way to access it to pay down debt and take care of other pressing needs. The Point Equity Investment plan allowed us to access our equity and we are in a much better situation because of that. Every contact with Point was met with a responsive representative and timely follow up. Very happy. Thank you!"

Steve Orecchio

Efficiency!

Efficiency, understanding and concern. No matter how many people I spoke to your in your organization, everyone was very helpful and courteous. Wish there weren’t as many people to communicate with concerning my HEI, but I guess that is the politics of it all.

Thomas Wyman Pinney

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."

William

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

$493,500

$100,300

High Appreciation

$653,500

$540,000

$113,500

Large Depreciation

$362,100

$312,700

$49,400

Average Appreciation

$593,800

$493,500

$100,300

High Appreciation

$653,500

$540,000

$113,500

Point in the media

Our innovative products have been featured in top publications.

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