Unlock up to $500k of your home equity

Get a HELOC with a low rate, fast funding, and a quick online application1.

Unlock up to $500k of your home equity

Get a HELOC with a low rate, fast funding, and a quick online application1.

Top-rated service from licensed home equity experts. See your rate in under 2 minutes with no obligation2.

out of 5
Cash in as
little as 3 weeks2 
APRs starting
at prime rate1
Fast, easy 100%
online application
Premium phone
Point has a
rating with over
reviews on Trustpilot.
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."
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."
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. I can't brag about Point enough!"
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."
Expectations were set appropriately
"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."
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”
Ray & Brenda
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”
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.”

See how Point’s HELOC compares

Our HELOC is a friendly, affordable option for homeowners looking to get cash from their property.

Online application
Low interest rate
Borrow up to $500k
Keep your current mortgage rate
Ability to redraw

How it works

Point’s HELOC is a line of credit secured by your home1 that lets you get cash from your home equity. It works similarly to a credit card – you can take out as much money as you need, up to your maximum limit. 

When you pay down some of your balance, you can take out funds again. You’re charged interest on only the portion of the draw amount that you’re using at any given time.

Check your rate
Our application process is quick and simple. There is no obligation and no impact on your credit score. See if you qualify in just a few minutes.
Verify your info & sign
Our team of home equity experts start work on your file right away. We’ll confirm your income and credit score, order a home appraisal, and send a notary to your home for the signing.
Get cash in as little as three weeks
You’ll be able to make your first draw and start using your home equity to take care of your financial needs.

Why Point

Point is a leader in the home equity space. We bring our blend of innovation and personal service to each HELOC customer. Here’s what sets us apart:

We offer you options
We are the only company that offers both the HELOC and our innovative HEI (Home Equity Investment). We'll help make your home wealth work for you by finding the option that suits your needs.
You set the pace
Your HELOC is our priority. That’s why one of our knowledgeable team members will begin working on your file as soon as you submit your information. Whether you’re ready to move forward right away or need time to make a decision, one of our licensed mortgage loan officers (MLOs) will be there to support you every step of the way.
Choose the home equity experts
You worked hard to be where you are, so we’ll put our knowledge to work, empowering you to accomplish your financial goals.

Whether you need to unlock your home equity wealth to make an investment, grow or start a business, or take care of your expenses, you deserve to partner with a team that has the answers.

Looking for an option with no monthly payments?

Point’s Home Equity Investment helps you unlock your home equity with no monthly payments, no income requirements, and no need for monthly payments.

Point in the media

Our innovative products have been featured in top publications.

Need cash? Now you can sell the equity in your home to investors
California-based Point is a 2-year-old fintech company specializing in home equity contracts. It offers homeowners cash for a share of the home’s equity, that is, the amount the home is worth beyond the value of the mortgage.
Read more
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 more