Unlock your home equity with Point’s HEI

No monthly payments
No income requirements
No need for perfect credit

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

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Excellent
4.5
out of 5
Point Credit Score
No need for
perfect credit
Point No Monthly Payments
No monthly
payments
Point No Income Requirements
No income
requirements
Point Home
Keep the home
you love
Trustpilot
Point has a
4.5
rating with over
1,600
reviews on Trustpilot.
Viable option for accessing equity
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
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

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.

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Get freedom to breathe

Access the wealth you've built in your home, and get $25k - $500k for whatever you need.
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Pay off your high-interest debt
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Start a new business
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Cover unexpected household expenses
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Renovate your ideal home
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Settle outstanding medical bills 
Point HEI Blueprint Illsutration

Home Equity Investment (HEI) Basics

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.
1.
You receive a lump sum cash payment and in exchange, Point gets a slice of your home equity.
2.
There are no monthly payments. You can buy back your equity at any time within a 30-year term with no penalty.
3.
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.

Point Lifesaver Illustration

Freedom to breathe

Set yourself up for financial success by reducing your monthly expenses.
Checkmark
Pay off your high-interest debt
Checkmark
Cover unexpected household expenses
Checkmark
Settle outstanding medical bills 
Point HEI Blueprint Illsutration

Freedom to dream

Pursue and accomplish your life-long goals.
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Renovate your ideal home
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Start a new business
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Pursue an education

See how an HEI compares

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

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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

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.

House
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.

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.
A computer screen with a point on it.
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:

$80,000

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:

$279,200

Point gets some of the sale price:

$82,900

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:

$416,800

Point gets some of the sale price:

$177,000

High Appreciation

If Tim sells his home for:

$653,500

Tim keeps most of the sale price:

$452,200

Point gets some of the sale price:

$201,300

Large Depreciation

If Tim sells his home for:

$362,100

Tim keeps most of the sale price:

$279,200

Point gets some of the sale price:

$82,900

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:

$416,800

Point gets some of the sale price:

$177,000

High Appreciation

If Tim sells his home for:

$653,500

Tim keeps most of the sale price:

$452,200

Point gets some of the sale price:

$201,300

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