How the HEI works

Learn about HEI costs – and how we keep them down with Point's Homeowner Protection Cap.

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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

Home Equity Investments let you get up to $500k from your home equity with no monthly payments.1

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HEI Cost Estimator

Appreciation starting value:
Get your actual 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 10% of your home’s value to demonstrate how HEI pricing works.
Low growth: 1.5%
Your Final Home Value
Enter your home value and select a year to estimate your future appreciation and HEI costs.
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 you were to sell in # years with 1.5% annual home value appreciation.
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Protection for you

Protection Cap

Keep more of your home wealth with the Homeowner Protection Cap. The Homeowner Protection Cap ensures that more of your home equity wealth stays in your pocket by setting a maximum amount you can ever repay Point – no matter how much your home appreciates.
Point calculates your repayment cost two ways – using the share of appreciation and with the Homeowner Protection Cap.
You always pay the lesser of the two values.
Generally, homeowners who pay back in the early years of their HEI use the capped value.
Point’s share of appreciation 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 home value 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.
This number may vary 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 home value depreciation below the Appreciation Starting Value, Point will also share in the downside.
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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Home Equity Investment

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

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.
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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