Discover a HELOC alternative.

There’s another way to unlock your home equity. Get up to $500k from your home – with no monthly payments.

Show me my offer

Discover a HELOC alternative

There’s another way to unlock your home equity. Get up to $500k from your home – with no monthly payments.

Show me my offer

Get up
to $500k

Pay nothing for
up to 30 years

Fast, easy 100%
online application

Premium
phone support

Point has a

4.5

rating with over

1,200

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."

—

Hope

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."

—

Tess

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!"

—

William

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."

—

John

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."

—

Ghaith

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”

—

Justin

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.”

—

Eugene

Here’s how the HEI compares to a traditional HELOC

At Point, we’ve offered both solutions – so we know what sets our HEI apart. Both the HELOC and the HEI offer up to $500k, a 30-year term with no prepayment penalty, and an easy online application, but there are some key differences.

Point's HEI

HELOC

500+ credit score

No income requirements

No monthly payments

30-year term

Get up to $500k

Show me my offer Learn more about the HEI

Point in the media

Our innovative 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.

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.