Point is the leader in Home Equity Investments

Golden target with an arrow in the bulls eyes

A Home Equity Investment (HEI) is a reverse mortgage alternative that empowers homeowners of all ages to tap into their home equity with no monthly payments, no income requirements, and no need to pay off their first mortgage.

See how Point's HEI compares to a reverse mortgage:

See how Point's HEI compares to a Reverse Mortgage:

  • No monthly payments:
    Like the reverse mortgage, an HEI has no monthly payments. HEIs also have no income requirements and allow for a broad range of credit scores.
  • No need to pay off the first mortgage:
    Unlike a reverse mortgage, an HEI does not need to be in first lien position. This lets homeowners who still have a mortgage keep more of the proceeds to use however they need.
  • More flexibility for the future:
    HEIs do not have occupancy requirements, which means homeowners are not forced to repay if they move out or go into long-term care. An HEI can be assumed by a homeowner's heirs, making it easier to keep the home in the family.
Point's HEI
Reverse Mortgage
  • Get cash with no monthly payments
  • Yes
  • Yes
  • Requires you to be over 62 years old
  • No
  • Yes
  • Must be repaid if you stop living in your home
  • No
  • Yes
  • Has income requirements
  • No
  • Yes
  • Requires you to pay off your first mortgage
  • No
  • Yes
  • Accrues interest over time
  • No
  • Yes

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