Unlock your home equity with Point’s HEI1

No monthly payments
No income requirements
No need for perfect credit

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Trustpilot
Point has a
4.5
rating with over
1,600 reviews on Trustpilot.
WHEN OTHERS SAY NO AND YOU ARE IN A BIND.I think is a better alternative to…
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
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

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.

Point Lifesaver Illustration

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.

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

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 credit. When you’re ready, apply with our simple, 100% online application and close in as little as 3 weeks2.
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 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 funds directly to your account!
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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. 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

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

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

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

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 has 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