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

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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 worked with more than 20,000 happy homeowners, and have 4.7 stars from over 3,000 reviewers on Trustpilot.

Dawn Shirley Mazzarella
Luiz Arbore
Zachary Robert Thomas Baumgard
John Wesley Mims