Compare your options. Unlock your home equity.

HEI or HELOC: which home equity solution is right for you? Point offers two paths to your financial goals. The choice is yours.

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Excellent
4.7
out of 5

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

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Get the cash you need

It’s your home wealth. Spend it on what matters most to you.

Point No Monthly Payments

No monthly payments

HEI: Get cash from your home with no monthly payments.

Get cash fast

HELOC: Get cash from your home in as little as 5 days.

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HEI vs HELOC

Prequalify for both an HEI1 and HELOC2 in under 60 seconds. See your options side by side with no risk and no obligations.

Point’s HEI

Point’s HELOC

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No monthly payments

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Get cash in as little as 5 days3

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Easier to qualify

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Competitive interest rates

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Get up to $600k

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Get up to $750k4

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The process went smoothly and quickly. I liked doing everything through calls and emails so I didn’t have to miss work for appointments.

I’m set to receive money this week and I’m thankful to have this chance to pay off debt and make home improvements without a monthly payment making things harder!

Megan

from California

Three steps to get cash from your home

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1

Get your offer

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

Submit your application

The application can be completed entirely online. We’ll confirm your home value and finalize your pricing.
3

Enjoy your funds!

Sign your closing documents when they are hand-delivered to you by a notary. Then, your home wealth is yours to use however you want!