A picture of a house in treasure chest being unlocked with a key.
Trusted by:

Get $30k to $600k with
no monthly payments, ever

Enter your home address
Get my offer
Something went wrong please refresh the page and try again.
Point BBB Rating
Excellent
4.7
out of 5
Point BBB Rating
Excellent
4.7
out of 5
Get cash from your home equity:
No monthly payments
Flexible 30 year term
No need for perfect credit

What is a Home Equity Investment (HEI)?

An HEI is a partnership between you and Point, where you, the homeowner, get funds upfront from Point in return for a portion of your home’s future appreciation in value. You control when you exit the partnership.
Get cash with no repayment for 30 years and no monthly payments ever.

House

Get up to $600k:

You receive a lump sum cash payment and Point gets a slice of your home equity. Most homeowners get around $100k.

For up to 30 years:

There are no monthly payments. You can buy back your equity at any time within a 30-year term with no penalty. You maintain complete control over your home.

You decide when to exit:

The amount you pay back depends on the value of your home at that time. If your home’s value goes up, Point shares in the gain. If the value falls, your buy back costs may be smaller.

Home equity solutions:
See how Point stands out

Investment amount
Term length
Maximum loan-to-value
Reliable availability
Point Logo
Home Equity Investment
Investment amount
$25k – $500k
Term length
30 years
Maximum loan-to-value
80%
State availability
24 states
Hometap
Investment amount
$30k – $500k
Term length
10 years
Maximum loan-to-value
80%
State availability
14 states
Unlock
Investment amount
$15k – $600k
Term length
10 years
Maximum loan-to-value
75%
State availability
15 states
A man and woman sitting on a couch with a box.
Investment amount
$15k – $600k
Term length
10 years
Maximum loan-to-value
75%
State availability
15 states

Point is the leader in Home Equity Investments

We've funded more than 10,000 homeowners, and have over 1,000 five star reviews from happy homeowners.

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