Explore options beyond a 401(k) loan

Invest in your future without tapping into your 401(k)

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Point BBB Rating
Excellent
4.7
out of 5

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
  • Requires monthly payments
  • Doesn’t touch your retirement savings
  • Uses money from your retirement account
  • You can qualify without perfect credit
  • You can qualify without perfect credit
  • Keeps your monthly cash flow intact
  • Reduces your monthly cash flow
  • Pay nothing for up to 30 years
  • Must be repaid within 5 years

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—get an initial offer with no obligation and no impact 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

Enjoy your funds!

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 worked with more than 20,000 happy homeowners, and have 4.7 stars from over 3,000 reviewers on Trustpilot.

I continue to have a very positive experience with Point.
"I continue to have a very positive experience with Point. This is my second home equity loan with this company, and it continues to be a seamless process with good communication, information provided at every step of the way, and expediency from start to finish. I love the way you are connected with the appropriate professionals at different stages of the process, and they have all been extremely pleasant and professional. I also appreciate the high degree of integrity and responsibility by not allowing me to take more money than they felt was appropriate given the value of my home. I highly recommend this company, and would be happy to speak with anyone considering doing business with this company."
—
Dawn Shirley Mazzarella
Working with Point was truly exceptional from start to finish.
"Working with Point was truly exceptional from start to finish. Their process was smooth, transparent, and perfectly communicated with step-by-step updates every step of the way. I always knew exactly what was happening and what to expect. Jon Trautman and Taylor Andrews went above and beyond — professional, patient, and incredibly knowledgeable. They answered every question clearly and made the entire experience stress-free. Point is straightforward, honest, and refreshingly genuine — no gimmicks, no surprises, just real people delivering real results. I’m beyond happy with the outcome and would recommend Point to anyone looking for a trustworthy and efficient company. Five stars all the way!"
—
Luiz Arbore
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
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.
What I enjoyed the most is how easy it has been to work with Point.
"What I enjoyed the most is how easy it has been to work with Point. The communication was/is upfront and timely. I never had to worry about what was the next step."
—
lonwane
The very best experience
“My experience was the best. The process was fast, easy and full of great customer service. Just like it says in their name, they were on “Point”!”
—
Anna
Get my offer in 60 seconds