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Get $30k to $500k with
no monthly payments, ever

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Point BBB Rating
Excellent
4.5
out of 5
Point BBB Rating
Excellent
4.5
out of 5
Get cash from your home equity:
No monthly payments
Flexible 30 year term
No need for perfect credit
A group of people sitting on top of a couch.

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 cash today:

You receive a lump sum cash payment. You can use the funds for whatever you need. In exchange, Point gets a slice of your home equity.

For up to 30 years:

There are no monthly payments, ever. 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:

When you decide to buyback your equity, 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
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.

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.
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