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Get $30k to $600k with no monthly payments, ever
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Excellent
4.7
out of 5
Excellent
4.7
out of 5
No monthly payments
Flexible 30 year term
No need for perfect credit
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.
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
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
Point is the leader in Home Equity Investments
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
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
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.