Home equity just got easier

Get cash from your home equity without refinancing

Enter your home address
Show me my offer
Something went wrong please refresh the page and try again.
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 equity without giving up their existing mortgage. HEIs have no monthly payments, no income requirements, and homeowners can qualify without perfect credit.

See how Point's HEI compares to a cash-out refinance

See how Point's HEI compares to a Cash-Out Refinance:

  • No monthly payments:
    Unlike a cash-out refinance, a Home Equity Investment (HEI) does not require monthly payments. HEIs provide access to home equity without compromising your cash-flow.
  • Keep the mortgage rate you love:
    With a cash-out refinance, homeowners are subject to a fresh mortgage with new rates and terms. For many homeowners refinancing today would mean taking a higher interest rate. With an HEI, homeowners can enjoy their home equity and keep their current mortgage.
  • Easier qualification:
    Qualifying for an HEI is easier than qualifying for a cash-out refinance. HEIs have no income or DTI requirements, and homeowners with a broad range of credit scores are eligible.
Point's HEI
Cash-Out Refinance
  • Get cash with no monthly payments
  • Requires monthly payments
  • Doesn’t have income requirements
  • Has income requirements
  • Homeowners can qualify with a 500+ credit score
  • Typically requires a higher credit score
  • Doesn’t require you to pay off your existing mortgage
  • Requires you to pay off your existing mortgage
  • Flexible, 30-year term available
  • Flexible, 30-year term available
  • No prepayment penalties
  • No prepayment penalties

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 30,000 happy homeowners, and have 4.7 stars from over 6,000 reviewers on Trustpilot and an A+ rating from the BBB.

Simply the best (and easiest)…
From first contact to closing the communication, level of detail was beyond compare. The staff was professional and so very easy to work with. Questions answered quickly.
—
Megan W.
They are the best!
They are the best!! Point was with me the whole time explaining everything and why to expect!! Thank you for your help and service!! Highly recommend!!
—
Melonie H.
The process has been very simple
The process has been very simple. It's well documented and Point does a great job of helping you keep track of the steps.
—
Philip
Great experience!
Great experience! Everyone was fast, friendly and courteous.
—
John C.
Everyone was very easy to deal with and…
Everyone was very easy to deal with and very quick. I always new what was going on or what I needed to do. Outstanding.
—
Jerry N.
The process was fairly easy
The process was fairly easy, even for a person like me who’s not great with computers. Every one i spoke with were very helpful and let me know what to do to complete tasks. Also things moved along in a timely manner. I would recommend Point to anyone looking to let your home( equity ) work for you .
—
William J.
Get my offer in 60 seconds