Access up to $500,000 based on your home’s value — with flexible repayment, no monthly payments, and no income check.
Point's HEI:
Home equity loan:
No monthly payments
Payments required every month
No income requirements
Must prove income
Keep your mortgage
Must pay off your mortgage
No interest charges
Interest is paid monthly
Point's HEI:
Home equity loan:
No monthly payments
Requires monthly payments
No income requirements
Full income verification required
No need for perfect credit
More stringent credit requirements
Pay nothing for up to 30 years
Start repaying right away
With Point, you can access your home equity without the burden of monthly payments. Use the cash your way—whether it’s to pay off debt, renovate your home, or invest in new opportunities. Pre-qualify in seconds with zero risk or commitment.
Point helped us tap into our home’s value without the stress of another loan. No monthly payments gave us the breathing room we needed.
Jason & Mia
from Los Angeles, CA
We've partnered with more than 10,000 homeowners, and have over 1,000 five star reviews from happy homeowners.