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
Prequalify nowHEI overview

Home Equity Investments empower you to get up to $600k from your home equity with no monthly payments.1

As seen in:
Page sections:
HEI overview
Funding
Paying Point back
Exiting an HEI
HEI cost estimator
Home Equity Investment overview

Get cash from your home equity with Point's HEI

A Home Equity Investment (HEI) is an alternative to traditional home equity solutions. It’s a way to tap into your home equity and maximize your financial flexibility at the same time. Point’s HEI offers benefits like:

  • No monthly payments
  • No need for perfect credit (500+)
  • No income requirements
  • Flexible, 30-year term
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.
See how the cap impacts your pricing
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Funding

Your path to funding

Get started today by first prequalifying and then submitting your application. Our team of home equity specialists will be with you every step of the way.

Prequalify now
Trustpilot

Point has funded more than 25,000 homeowners.
See what our customers have to say.

Prequalify in 60 seconds and see how much you can unlock. 

After prequalifying, use your homeowner dashboard to track your progress.

Motivated homeowners can close in as little as 3 weeks!3

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Paying Point back

Learn more about HEI repayment

Repaying an HEI is different from a traditional loan. Instead of making a monthly payment, you pay Point back in one lump sum at any time during the 30-year term. Many homeowners choose to do this when they sell their home or refinance. 

1

How much does an HEI cost?

Because an HEI is an investment in the future value of your home, the cost of your HEI will depend on the value of your home when you decide to pay Point back. 

You will pay back your original investment amount, plus a portion of your home’s appreciation.

View HEI cost estimator
2

Understanding appreciation starting value

We believe in honoring the investment you've already made in your home. You owned your home for years before partnering with Point so we don't share in the entire value.

When we calculate your final HEI costs, the appreciation starting value is not included in Point’s share. We use that as the starting point to calculate your home's appreciation.

3

More homeowner protections

If your home value increases dramatically, there is an upper limit on how much you can repay. Point’s Homeowner Protection Cap is a maximum percentage, calculated annually.

You’ll never pay more than this cap, no matter how much your home appreciates. Additionally, if your home value depreciates below the appreciation starting value, Point will share in the loss. This means you could repay less on your HEI than what you received, though this is not typical.

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Exiting an HEI

Exit on your schedule – not a bank’s

With an HEI, there is no amortization schedule or prepayment penalty. You’re free to repay at the right time for you, any time during the 30-year term.

How repayment works:

  • Our team of home equity specialists are available to you during the application process, and through the repayment process, too. 
  • The HEI payback amount typically – but not always – increases over time due to home price appreciation.
  • You’ll need to repay your HEI in one lump sum. Homeowners typically do this through a home sale, a cash-out refinance, or another source of funds.
  • The flexible, 30-year term ensures that your HEI fits your financial goals.
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HEI cost estimator

This estimator shows simplified HEI payback scenarios that assume an offer of 10% of your home's value. Once you prequalify, you'll be able to customize your offer amount and see more detailed scenarios.

Point covers upfront appraisal costs

Point covers all upfront costs in the application, so there is no risk to apply. When you are funded some of these fees will be reimbursed from the lump sum of cash you receive.

For this estimation, there is a minimum home value of $300,000.

$000,000

When you apply for your HEI, you will be able to select your 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 common pricing scenarios.

Get your no-risk, personalized 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.
1.5%
Low growth: 1.5%
Final home value:
$000,000
Enter your home value and select a year to estimate your future appreciation and HEI costs.
Year:
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Home Value
Select an exit year
Point’s share shows approximate HEI costs if repaid in # years with 1.5% annual home value appreciation. You can pre-qualify with no comittment to explore your personalized offer and pricing.
$--
This can be compared to an annual interest rate of ---%. Note that Point does not charge interest and the HEI has no monthly payments.
$--
Homeowners enjoy their HEI funds for up to 30 years, retain full ownership of their home, and keep a significant portion of their home equity's value.
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Frequently asked questions

HEI

Home Equity Investment

Find answers to common questions about Point's HEI.

How does Point’s HEI compare to a HELOC, refinance, or home equity loan?

Point in the media

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

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
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
Read more press coverage

Get up to $600k with no monthly payments

Sorry for the pop-up! We just wanted to tell you about our home equity solution, the Home Equity Investment (HEI). Here’s why homeowners love it:

  • No income requirements
  • No monthly payments
  • No need for perfect credit
Show me my offer
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