The wealth in your home

Imagine having money in a safe that you are not allowed access – instead, you must borrow the equivalent amount of money from a bank and pay the bank interest for the privilege. That is what homeowners face every day with the wealth tied up in their homes. Accessing that wealth requires borrowing against the home, equity refinancing, home equity loans or home equity lines of credit (HELOCs). Point fixes that problem.

Unlock your wealth

Why borrow when you can sell (a little)?

Point believes in a different approach. We want homeowners to be free of their debts and be able to unlock the wealth in their home. To do that, we make it easy for homeowners to sell small fractions of the equity in their home to investors.

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Check if you qualify

Enter your address and answer a few questions. The process is free and takes less than 5 minutes.

5 minutes
  • You provide us with basic information about your home and your household finances.
  • To be eligible for Point, you’ll need to retain at least 20% of the equity in your home after Point's investment.
  • We can instantly give you pre-approval or denial based on the information you provide.
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Point Makes you an offer

Point makes a provisional offer to purchase a fraction of your home. We will provide you with an offer based on the value of your home today.

1-3 days
  • If pre-approved, we provide a provisional offer based on the data you provide.
  • The offer is typically for between 5% and 10% of your home’s current value.
  • We'll ask you to complete a full application and provide documentation for our underwriting team.
  • If possible, we will improve on our pre-approval offer.
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Schedule an in-person home visit

Pick a time for a licensed appraiser to visit you. We want to ensure the price is correct by checking the place out — no cleaning necessary :)

5-8 days
  • We will schedule time for a home valuation visit.
  • You will be charged for the cost of the appraisal, which is typically between $500 - $700.
  • The appraiser will visit and inspect your home.
  • We will share the appraiser's report with you once it's complete. The appraiser's value is an important component of the final offer.
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Point pays you

We usually send the money within 4 business days of closing.

3-5 days
  • We finalize the offer following the appraisal and receipt of all supporting application documents.
  • You will meet with a notary to sign the Point Homeowner Agreement.
  • Point files a Deed of Trust and Memorandum of Option on your property in your county recorder's office.
  • Once the filings have been confirmed, we transfer the offer funds (less Point’s processing fee of 3% and the escrow fee) electronically to your bank account.
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Sell the home or buy back from Point when the time is right for you

Point is paid when you i) sell your home, or ii) at the end of the term, or iii) during the term, when you choose to buy back. Regardless of the timing, there's no early buyback penalty.

1 to 10 years
  • If you sell your home within the term then Point is automatically paid from escrow.
  • If you don't sell, you can buy back Point’s stake at any time during the term at the then current appraised property value.
  • Point is paid a fraction of the home’s value. If the home has declined significantly in value, Point may be due less than its original investment.
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Homeowner calculator

FAQs

  • How much does Point cost?

    Point normally collects a processing fee of 3%. You will also cover the cost of an independent appraisal, typically between $500 - $700, and escrow fee, typically between $450 and $650.

  • When and how is Point paid?

    Point is paid when you i) sell your home, or ii) at the end of the term, or iii) during the term, when you choose to buy back. If you sell your home, Point is paid from escrow automatically. If you don't sell, you can buy back Point’s stake at any time during the term at the then current appraised property value.

  • How quickly does Point pay?

    We usually send the money within 4 business days of closing.

  • Who is Point for?

    Point is ideal for homeowners who want to access the equity they have accumulated in their homes and are interested in the flexibility of having no monthly repayments.

  • What happens if I don’t sell my home?

    If a homeowner does not sell her home within the term, she has the option to buy out the investors during the term or at the end of the term at the then current property value.

  • How do homeowners use Point?

    For diversifying some of your wealth, paying off and reducing your monthly debt payments, financing one-time major expenses or acting as a bridge ahead of your next home purchase or real estate investment.