Unlock your home equity, your way.

Point offers a Home Equity Line of Credit (HELOC¹) alongside our flagship Home Equity Investment (HEI²). Whether you prefer flexible borrowing with monthly payments or a lump sum with no monthly payments, Point gives you options to access your home wealth.

View offers side-by-side:

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Excellent

4.7

out of 5

HELOC

Frequently asked questions

Find answers to common questions about Point's HELOC.

HELOC

Home Equity Line of Credit

What is a HELOC?

A HELOC (Home Equity Line of Credit) is a line of credit secured by your home. HELOC's lets you borrow up to a limit, draw funds as needed, and repay against the amount you draw each month.

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With a HELOC, your monthly payment is shaped by two main factors:

APR (Annual Percentage Rate)
This is the cost of borrowing money, expressed as a yearly percentage.
Amount you draw
You’re not charged on your entire line of credit — only the funds you actually take out.

What are the key differences between a HELOC and HEI?

Both options give you cash by accessing your home equity, but they work differently.

A HELOC is a line of credit.
You borrow against your home, make monthly payments, and pay interest. The application is fast and you can get cash in as little as 5 days.
A Home Equity Investment (HEI) gives you a lump sum upfront, with no monthly payments.
You repay at a later time that works for you, typically when you sell or refinance, based on your home's future value and within 30 years.

See all options you qualify for with our easy online application:

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Where is Point’s HELOC available?

What if I do not see a HELOC option?

HELOCs have stricter eligibility requirements than our Home Equity Investment (HEI). When available, we’ll show you both — but in some cases, only the HEI is offered based on your home and financial profile. In cases where neither product is a good fit, we will look for some other options that might be helpful and share what we find.

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requires 680+ credit score
requries 500+ credit score

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Point has a

4.7

rating with over

3,000 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."

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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!"

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Luiz Arbore

When other SAY NO and you are in a bind..

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.

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Jose Castillo

This HEI was a perfect fit for me..

This HEI was a perfect fit for me. Retired and on a fixed income, I found I was paying interest on home equity loans each month. I never seemed to be able to reduce those loans, which meant I was cash-poor each and every month. I was able to pay off all those loans, leaving me with some cash each month. The payoff will happen when I sell my home in the future.

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Bruce M.

What I enjoyed the most is how easy it has been to work with Point.

"What I enjoyed the most is how easy it has been to work with Point. The communication was/is upfront and timely. I never had to worry about what was the next step."

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lonwane

The very best experience

“My experience was the best. The process was fast, easy and full of great customer service. Just like it says in their name, they were on “Point”!”

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Anna

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. "

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Matthew Emerson Light

Point staff made the process easy, access to them, the website was very easy and good.

"Point staff made the process easy, access to them, the website was very easy and good. Everything was explain to us, and this was a very big decision for us. "

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Kari Lynn Spielman

My experience was exceptional.

"My experience was exceptional. All representatives were patient and helpful. They took their time answering my questions and they were pleasant when I needed to redo paperwork. If it had not been for POINT I would not have been given the opportunity to receive these funds."

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Roberta Langley Clark

Point was great!!!

Point was great!!!! They gave me money from my home equity when no one else would. I did not qualify for refi or reverse mortgage. They were fast and the customer service was great. I recommend them, highly.

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Terri C.

Point has been easy to work with and has been in constant communication

"Point has been easy to work with and has been in constant communication along the way. I always felt that I knew what was going on and the process has been smooth and simple. "

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Blythe Sachiko Tani

The Point process was a lifesaver for…

The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.

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Bonnie C.

I thought the entire process was excellent!

“I was guided through every step and received help when needed … I definitely needed help at times to provide needed documents. … I would recommend this product to my friends!”

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John

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!"

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Kat Scott

Point worked for me when no one else would

“My credit was low, and I needed money to get work done on my house. Point really helped me … I would recommend Point to anyone.”

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Thomas

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"

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Dee

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!"

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Liz D

I am almost completely debt free and no longer have any financial worries.

"My experience was unbelievable. This is the most professional company that I have ever worked with! They explained everything in a way that was easy to understand, timely, and exactly as represented."

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John

This experience was life changing!

“...Thank you again for this opportunity, which was life-changing. I can't tell you enough how it feels not to worry about the next month's bills and whether I need to get a job at 71 yrs old…”

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Shelley

I have a had a wonderful experience with Point thus far.

"I have a had a wonderful experience with Point thus far. I’m just about to finish up closing on my HEI and I’m excited to receive my funds! Point makes this process very easy to understand and navigate and they are very communicative throughout the entire process which is amazing!!"

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Sadie Elisabeth James

Experience was smoother than expected

"Experience was smoother than expected with no surprises and very straightforward. Highly recommend them when other options may not be available due to your circumstances"

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Rob Cowan

I didn't know what to do...then came a letter from Point, to save the day.

"Everything went smoothly and on time. All of my outstanding bills are caught up and most are paid off including my car payment. My family and friends like me never heard of such an investment program. Thank you to everyone at Point.”

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Gregory

Have already recommended to 3 people

"Expectations were set appropriately. Communications were professional and respectful. Someone was always available (during business hours) to respond via phone, email, or text. Great experience! Have already recommended to 3 people."

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Ghaith

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."

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Tomas

Our credit score is almost 800 now

“It was an incredible opportunity Point gave us. Our credit score is almost 800 now. So far everything has been wonderful. We have no debt and are in a great financial situation.”

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Elliot

We absolutely feel more in control of our finances

"We have a handful of credit cards that have a zero balance now. We threw them in a drawer and don’t use them. The less stress and anxiety you have the easier it is to go about your everyday."

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Dennis

Customer Service was above and beyond!

"We did a lot of research and read a lot of reviews before deciding to go with point. The experience we had with Point was superior! The process was very smooth, with a lot of correspondence, and questions were answered quickly. They were very honest, upfront and there weren't any hidden fees or costs."

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William

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."

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Tess

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!"

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Karli Pan

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!"

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Steve Orecchio

Very easy process from start to finish

"Very easy process from start to finish. Very knowledgeable and friendly staff to work with. All my questions were answered in a timely manner with the process explained fully."

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John

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."

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Hope

Point— a great company to do business with

“The Point process was excellent and the people working throughout the process were extremely professional and patient”

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Ray & Brenda

Highly recommended.

I’ve been through countless mortgage and refinancing applications. This was by far the best experience I’ve ever had. I was told 90 days to close at the beginning and we closed in 28 days. The entire process was so efficient and stress free. I was kept informed of the progress each and every step of the way. I am so glad I made the decision to go with Point.

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David P Boey

They were willing to help me out, secondly, they answered all my questions, in a timely manner

"They were willing to help me out, secondly, they answered all my questions, in a timely manner, I don’t think I would’ve been. Couldn’t have done this,all this by myself as I’m in my 70th year, because of the technology nowadays🤔"

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Paul Anthony Thoma

Very easy process from start to finish

“Very easy process from start to finish. Very knowledgeable and friendly staff to work with. All my questions were answered in a timely manner with the process explained fully.”

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John

Very easy to reach point professionals with questions, or to leave a message with my assigned Point manager: Thank you for all of your support and guidance during the process!

"Very easy to reach point professionals with questions, or to leave a message with my assigned Point manager. Thank you for all of your support and guidance during the process!"

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Deborah Ann Zaki

The process was pretty seamless.

"The process was pretty seamless. The entire team from Point is absolutely amazing! This is one of the best opportunities for HEI! I wish everyone knew about this. Point is ON POINT! I will highly recommend this company to everyone."

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Brent Matsui

Great service!

“The entire process was handled professionally from beginning to end. All members of the team in the various departments were responsive and supportive. I would recommend Point as an option for homeowners to consider.”

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Shanti

Thank you, Point

“My experience with Point was a pleasure from start to finish. The product they offered fit my needs perfectly and was explained in detail where no questions were left unanswered.”

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Eugene

My experience with Point was wonderful.

"My experience with Point was wonderful. I am thankful for all the people involved, their professionalism and kindness in getting the application process done well. Great job, and once again thank you very much for the great service."

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Somasundaram Sivaramakrishna

Speed and convenience was extremely important to me.

"Speed and convenience was extremely important to me. The experience exceeded my expectations because most of the process was via texts and emails. Loved it!"

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Angelo Camacho

I had a great experience with Point

“I had a great experience with Point, I would recommend [Point] to anyone. Thanks for making my day and making the process as seamless as possible”

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Justin

I had the pleasure of working with great account managers

"I had the pleasure of working with Ann Adorable and Raygon Fields. They both were very knowledgeable and walked me through the entire process. I would highly recommend Point to my friends and family."

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Maureen Doherty

Every step and process was visible and explained thoroughly.

"Every step and process was visible and explained thoroughly. Appreciated the mandatory training to make sure I understood the process. Notary sent to my home was awesome, very professional."

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Barbara Mae Battle

Ever since i started with point it has been a wonderful experience

"ever since i started with point it has been a wonderful experience everyone is very patient and knowable. I would be pleased to recommend point to my relatives and friends"

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Lennon Alanzo Martin

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

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Jamie

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.

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Thomas Wyman Pinney

My experience with Point was smooth

"My experience with Point was smooth .I was impressed by the interactive process for the loan approval by Point at each step. The documents and videos they sent me ahead were also very helpful while making the decision. Thank you"

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Kiruthika Sabanayagam

Thank you so much for giving me a chance to get another property and business!

“I got approved for $300K, I was surprised because other banks wouldn't approve me with my credit score, but Point showed me the way...Now I'm in escrow buying my second property and business!"

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Rogelio

I love the fact that I was not pressured by anyone in the company to commit

"I love the fact that I was not pressured by anyone in the company to do the HEI and that the company makes sure that this is something that you want and understand all options that is available to you "

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Jimmy Jackson

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. "

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John Wesley Mims

I am very pleased with the whole Point experience.

"I am very please with the whole Point team. Everybody is so nice and helpful. They guided me through the process smoothly. I am glad I chose them and I would strongly recommend Point to anyone."

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L G Gilles Pierre-Louis

Everything was done online and I was kept informed every step of the way.

"Everything was done online and I was kept informed every step of the way. I especially liked the task list to keep you on track in the process."

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Misty Phifer

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. "

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Zachary Robert Thomas Baumgard

The communication was always kept open which I appreciated.

"The communication was always kept open which I appreciated. Had some confusing issues along the way but all and all was pretty smooth. Derek and Allycia were very kind and helpful."

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Anthony David Turello

Process was relatively efficient and similar timeframe to closing on a home.

"Process was relatively efficient and similar timeframe to closing on a home. Being able to check progress on the portal was a big help. The appraiser Point sent was great, really nice guy!"

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T. Nichols

The process was very easy and explained very well and informative.

"The process was very easy and explained very good and informative. The people were well knowable at there job and helpful with the process. I'll differently suggest your company to other people "

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Timothy M Maxhimer

I have been nothing but pleased with the entire process with Point, from the easy-to-use website, to your second to none staff.

"I have been nothing but pleased with the entire process with Point, from the easy-to-use website, to your second to none staff. My counselor, Allycia and my credit counselor agent James Chapman were both kind, professional and patient with me as I ask my questions and concerns about the process, "

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Vanessa Hudson

They made sure I was making the correct decision.

"They made sure I was making the correct decision. Being in real estate myself. I found this to be a great option for what I’m working on achieving."

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Very Satisfied Customer

Point’s website was easy to use and explained the process well.

"Point’s website was easy to use and explained the process well. From document upload to getting questions answered it was an easy and pleasant experience. "

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Benjamin David Sadowitz

Everything was smooth and effortless.

"Everything smooth and effortless. Everyone that helped. From my account rep and the customer service gave amazing customer service and made sure I clearly understood everything. "

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Elisabeth-Columbus,OH

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

Unlock your home equity, your way.

See how Point's HEI compares to a HELOC

Point's HEI

Point's HELOC

Frequently asked questions

Home Equity Line of Credit

What is a HELOC?

What are the key differences between a HELOC and HEI?

Where is Point’s HELOC available?

What if I do not see a HELOC option?

Point in the media

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