Check your eligibility
Discover a personal loan alternative with no monthly payments
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form. Please refresh the page and try again.
Excellent
4.5
out of 5
Point is the leader in Home Equity Investments
A Home Equity Investment (HEI) is a flexible alternative to a personal loan. It's a way to access your home equity without new debt or a monthly payment.
- No monthly payments:
Unlike a personal loan, an HEI does not require monthly payments, providing cash flow and flexibility for homeowners. - Easier qualification:
HEIs empower homeowners to access a portion of their home wealth with no income requirements and no need for perfect credit. - Break the debt cycle:
An HEI is different from a traditional loan. It's equity financing for homeowners – meaning you can get the funds you need to achieve your financial goals without taking on new debt.
Point's HEI
Personal Loan
- Expensive monthly payments
- No
- Yes
- Has income requirements
- No
- Yes
- Homeowners can qualify with 500+ credit score
- Yes
- No
- Flexible 30 year term
- Yes
- No
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.
WHEN OTHERS SAY NO AND YOU ARE IN A BIND.I think is a better alternative to…
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
Awesome push through of funds at the buzzer
"James and His manager Megan seemed to understand my sense of urgency as I was using the money for an investment that had a deadline. James pushed it to closing stage for me and once Megan got involved in the closing it was closed money wired to Fidelity within 1 day, after I was told it could be another 3 days plus wire transfer time. I was close to saying forget it, Megan brought it home!"
—
Karli Pan
Funded in weeks
My experience from start to end was good beginning at end of April 2024 and funded by start of June 2024. Starting with Andrew and providing all the different required information and forms and ending with Amanda and the closing team members, including the notary, everything went well. I am hopeful all customers encounter the same experience. Make no mistake this is expensive decision I am quite well aware of, that is the only drawback but this was critical and necessary in my situation so I am thankful
—
Jamie
We are in a much better situation
"We had significant equity in our house but were turned down for a standard HELOC and it seemed we had no way to access it to pay down debt and take care of other pressing needs. The Point Equity Investment plan allowed us to access our equity and we are in a much better situation because of that. Every contact with Point was met with a responsive representative and timely follow up. Very happy. Thank you!"
—
Steve Orecchio
Efficiency!
Efficiency, understanding and concern. No matter how many people I spoke to your in your organization, everyone was very helpful and courteous. Wish there weren’t as many people to communicate with concerning my HEI, but I guess that is the politics of it all.
—
Thomas Wyman Pinney