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 - $600k 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

Point's 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:

$496,900

Point gets some of the sale:

$96,900

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:

$544,400

Point gets some of the sale:

$109,100

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:

$496,900

Point gets some of the sale price:

$96,900

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:

$544,400

Point gets some of the sale price:

$109,100

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: $544,400.

Point gets around 17% of the sale: $109,100.

‍

*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

4.7

rating with over

1,600 reviews on Trustpilot.

I continue to have a very positive experience with Point.

"I continue to have a very positive experience with Point. This is my second home equity loan with this company, and it continues to be a seamless process with good communication, information provided at every step of the way, and expediency from start to finish. I love the way you are connected with the appropriate professionals at different stages of the process, and they have all been extremely pleasant and professional. I also appreciate the high degree of integrity and responsibility by not allowing me to take more money than they felt was appropriate given the value of my home. I highly recommend this company, and would be happy to speak with anyone considering doing business with this company."

—

Dawn Shirley Mazzarella

Working with Point was truly exceptional from start to finish.

"Working with Point was truly exceptional from start to finish. Their process was smooth, transparent, and perfectly communicated with step-by-step updates every step of the way. I always knew exactly what was happening and what to expect. Jon Trautman and Taylor Andrews went above and beyond — professional, patient, and incredibly knowledgeable. They answered every question clearly and made the entire experience stress-free. Point is straightforward, honest, and refreshingly genuine — no gimmicks, no surprises, just real people delivering real results. I’m beyond happy with the outcome and would recommend Point to anyone looking for a trustworthy and efficient company. Five stars all the way!"

Luiz Arbore

Applying was easy, submitting documents was seamless

"Applying was easy, submitting documents was seamless and as long as you keep up with the dashboard the process goes pretty smooth and quick. We had looked into another company and the only thing I could say is I would have liked to be able to communicate with our advisor more easily and them be more accessible like the other company’s was. They were also going to fund a higher amount, but it would have taken longer. I also didn’t agree with their appraisal as we had one with another company and our home was appraiser for much more. However Point was much quicker. "

Zachary Robert Thomas Baumgard

I had a very insightful and understanding Account Manager.

"I had a very insightful and understanding Account Manager. Ray was very insightful and thorough when he explained the Point HEI program. There were some issues with my application. Ray explained and consoled me about those issues, and he shared his optimism on how to proceed and overcome my issues. Christine was very thorough in updating me on the step-by-step process of my application. I also had assistance from other departments within Point that I was able to contact if I had any questions. "

John Wesley Mims

The whole process is very clear cut and transparent

"The whole process is very clear cut and the dashboard of progress for my account, was easy to follow and understand. The final closing process takes a little long and final approval and clear to close. The download of necessary documentation was easy to complete. The staff are very nice to communicate with and did follow up. The financial education class was very good and helpful. Rachel was very helpful and responsive to my texts. "

Matthew Emerson Light

My experience has been great because it has been an easy, step by step process!

"My experience has been great because it has been an easy, step by step process! Also, the customer service has been amazing. They did a wonderful job of explaining the entire program and what to expect, as well as choosing the company to provide financial counseling and making sure that, as a customer, I truly understand the process and how it works. Transparency has been a major goal for Point and they have reached that goal!"

Liz D

I truly appreciate the process Point has created from beginning to end

"I truly appreciate the process Point has created from beginning to end, which provides needed understanding and also timeliness. Derick Joseph Sanchez deserves mention for his efficiency in moving things along. All agents were great to work with when I called in and my account manager, Anita, was outstanding. Thank you, Point team!"

Kat Scott

I love the way I was kept informed of each step in process.

"I love the way I was kept informed of each step in process. The representative they came out to my closing was awesome , friendly and she was on time. Sometimes I didn't understand the reasoning of why certain things came into play and my representative account manager Ray was very helpful in explaining everything"

Dee

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

Point's 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

$496,900

$96,900

High Appreciation

$653,500

$544,400

$109,100

Large Depreciation

$362,100

$312,700

$49,400

Average Appreciation

$593,800

$496,900

$96,900

High Appreciation

$653,500

$544,400

$109,100

Point in the media

Our innovative home equity products have been featured in top publications.

Get up to $600k 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