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Discover a home equity loan alternative with no monthly payments

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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 with no monthly payments, no income requirements, and no need for perfect credit.

See how Point's HEI compares to a Home Equity Loan:

  • No monthly payments:
    Unlike traditional home equity loans, Point's Home Equity Investment (HEI) does not require monthly payments.
  • Shared appreciation:
    With a home equity loan, interest and monthly payments are the same regardless of a homeowner's financial circumstances. With an HEI, Point's profits are based on the home's value at the time of repayment, creating alignment with the homeowner.
  • Flexible credit requirements:
    Point's HEI offers flexible credit requirements that are more lenient than traditional home equity loans, making home equity financing accessible for more homeowners.
Point's HEI
Home Equity Loan
  • No monthly payments
  • Expensive monthly payment
  • No income requirements
  • Full income verification required
  • No need for perfect credit
  • Need great FICO to qualify
  • Pay nothing for up to 30 years
  • Start repaying right away 

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 15,000 happy homeowners, and have 4.7 stars from over 1,600 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
Applying was easy, submitting documents was seamless
"Applying was easy, submitting documents was seamless and as long as you keep up with the dashboard the process goes pretty smooth and quick. We had looked into another company and the only thing I could say is I would have liked to be able to communicate with our advisor more easily and them be more accessible like the other company’s was. They were also going to fund a higher amount, but it would have taken longer. I also didn’t agree with their appraisal as we had one with another company and our home was appraiser for much more. However Point was much quicker. "
Zachary Robert Thomas Baumgard
I had a very insightful and understanding Account Manager.
"I had a very insightful and understanding Account Manager. Ray was very insightful and thorough when he explained the Point HEI program. There were some issues with my application. Ray explained and consoled me about those issues, and he shared his optimism on how to proceed and overcome my issues. Christine was very thorough in updating me on the step-by-step process of my application. I also had assistance from other departments within Point that I was able to contact if I had any questions. "
John Wesley Mims
The whole process is very clear cut and transparent
"The whole process is very clear cut and the dashboard of progress for my account, was easy to follow and understand. The final closing process takes a little long and final approval and clear to close. The download of necessary documentation was easy to complete. The staff are very nice to communicate with and did follow up. The financial education class was very good and helpful. Rachel was very helpful and responsive to my texts. "
Matthew Emerson Light
My experience has been great because it has been an easy, step by step process!
"My experience has been great because it has been an easy, step by step process! Also, the customer service has been amazing. They did a wonderful job of explaining the entire program and what to expect, as well as choosing the company to provide financial counseling and making sure that, as a customer, I truly understand the process and how it works. Transparency has been a major goal for Point and they have reached that goal!"
Liz D