Unlock your home’s equity without monthly payments.

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

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Point's has helped over 15,000 homeowners across the United States.

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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. The process is simple and typically completes in just 30–45 days2. Pre-qualify in seconds with zero risk or commitment.

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

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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 City Name, 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!