Unlock your home’s equity without monthly payments.

Access up to $500,000 based on your home’s value — with flexible repayment, no monthly payments, and no income check.

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Point's HEI:

Home equity loan:

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No monthly payments

Payments required every month

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No income requirements

Must prove income

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Keep your mortgage

Must pay off your mortgage

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No interest charges

Interest is paid monthly

Point BBB Rating
Excellent
4.6
out of 5

Point's HEI:

Home equity loan:

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No monthly payments

Requires monthly payments

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No income requirements

Full income verification required

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No need for perfect credit

More stringent credit requirements

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Pay nothing for up to 30 years

Start repaying right away

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Point's HEI vs. Traditional Home Equity Loan

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.

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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

Three steps to get cash from your home

A picture of a house in treasure chest being unlocked with a key.
1

Get your HEI offer

See if you qualify in 60 seconds or less and get your initial offer with no obligation and no effect on your credit.
2

Verify information

Gather the documents you’ll need and submit them online. Once complete, we will set up an appraisal from an independent third-party to determine the initial value and finalize your offer.
3

Receive lump sum payment!

Sign your closing documents when they are hand delivered to you by a notary. We will electronically transfer your funds directly to your account!

Point is the leader in Home Equity Investments

We've partnered with more than 10,000 homeowners, and have over 1,000 five star reviews from happy homeowners.

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.
David P Boey
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.
Bonnie C.
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.
Bruce M.
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.
Terri C.
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.
Jose Castillo
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."
Tomas