Home Equity Investment

How the HEI works

Learn how Point determines your Home Equity Investment (HEI) pricing and how your cost changes along with your home’s value.

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HEIs let you get up to $500k from your home equity

No income requirements
No monthly payments
No need for perfect credit
Point Rating BBB
out of 5
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HEI Cost Estimator

Appreciation starting value:
Get up to $500k from an HEI offer.
When you apply for your HEI, you’ll be able to select an offer amount (with a maximum based on your home equity). For this example, we’re setting the offer at 16% of your home’s value to demonstrate how HEI pricing works.
Low growth: 1.5%
Your Final Home Value
Pick a year to see how HEI costs change with home value
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Repayment is capped.
Home Value
Select an exit year
Point’s Share shows your exit price if were to sell in # years with 1.5% annual home value appreciation.
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Protection for you

Protection Cap

The Homeowner Protection Cap keeps your buyback costs under control in the event of major home appreciation. The cap is an annual rate, compounded monthly, that is applied to the Investment Amount.
Point calculates your repayment cost two ways – using the share of appreciation and the capped percentage.
You always pay the lesser of the two values.
Generally, homeowners who pay back in the early years of their HEI are subject to the cap.
Keep more of your home wealth with our Protection Cap. Point’s share is capped to protect your interest in the property. Of course, your buyback cost can be much less than this depending on home appreciation and when you repay your HEI.
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Protection for Point

Appreciation Starting Value

The Appreciation Starting Value is a risk-adjusted amount that represents where Point starts sharing your home’s appreciation. Just as the Homeowner Protection Cap shields your buyback costs in the event of massive appreciation, the risk-adjusted value protects Point’s investment from major short-term downturns.
To calculate the appreciation starting value, Point applies a risk adjustment of 29% to your home’s appraised value.
This number varies based on market conditions, home location, and other factors.
Using the appreciation starting value makes it possible for Point to offer early prepayment with no penalty for all our homeowners.
Homeowners can pay back Point at any time during the duration of their 30-year term with no prepayment penalty. To protect ourselves while we ensure maximum flexibility for you, Point starts sharing your home’s appreciation from a discounted value – we call this the appreciation starting value.
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How much you’ll share

Share of Appreciation

The share of appreciation represents how much of your home’s future appreciation you will share with Point. When you’re ready to pay back your HEI, Point will use this value – as well as the Homeowner Protection Cap – to determine how much you owe.
Your share of appreciation is calculated based on the size of your Home Equity Investment as well as other financial factors.
The percentage of your home’s future appreciation that you share is set when you sign your HEI contract and is not affected by changes to your home’s value.
In the event of major depreciation that puts your home’s final price under the appreciation starting value, Point will also share in the downside.
To calculate your buyback amount, subject to the Homeowner Protection Cap, Point will subtract your home’s Appreciation Starting Value from the final appraised value of your home, and multiply that number by your share of appreciation.
Just like a traditional bank determines your interest rate based on factors like loan amount and credit score, Point determines your share of appreciation based on key factors about your home, your HEI, and your finances. Point’s share of appreciation is the percentage of your home’s change in value you’ll share with Point.
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Learn More

Frequently Asked Questions

Get up to $500k with no monthly payments.

No income requirements
No monthly payments
No need for perfect credit
Learn more about Point’s HEI

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