Point is the leader in Home Equity Investments

Golden target with an arrow in the bulls eyes

A Home Equity Investment (HEI) empowers homeowners to tap into their home equity without monthly payments or strict credit requirements. It's a flexible alternative to borrowing from a 401(k) plan.

See how Point's HEI compares to a 401(k) Loan:

  • No monthly payments:
    Unlike a 401(k) loan, a Home Equity Investment (HEI) does not require monthly payments.
  • Flexible 30-year term:
    With Point's HEI, you can enjoy your funds for up to 30 years. Meanwhile, you have only 5 years to repay a 401(k) loan without risking tax consequences.
  • No risk to your retirement:
    When you tap into your retirement savings, you risk falling behind and experiencing a shortfall in your golden years. With an HEI, you can take advantage of the wealth you've already built in your home – while your retirement accounts keep growing for the future.
Point's HEI
401(k) Loan
  • Get cash with no monthly payments
  • ✔  Yes
  • No
  • Takes money from your retirement accounts
  • ✘  No
  • Yes
  • Qualify without perfect credit
  • ✔  Yes
  • Yes
  • Use your funds however you want
  • ✔  Yes
  • Yes
  • Reduces your monthly cash-flow
  • ✘  No
  • Yes
  • Pay nothing for up to 30 years
  • ✔  Yes
  • No

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

Our application can be completed entirely online. Once submitted, we’ll schedule an appraisal 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 Investments1

We've funded 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