Own the home you love with less down.

Turn your current savings into a 20% down payment. Introducing SEED*, Point's down payment investment.

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Excellent 4.5 out of 5

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Buy a home with as little as 5% down
Lower your mortgage amount
Avoid private mortgage insurance (PMI)
Access homeownership earlier
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Point has a 4.5 rating with over 850 reviews on Trustpilot.

Trustpilot stars

Absolutely amazing company and people to work with. Super friendly, helpful, always ready to answer any questions, kept us well updated on each step and progress of the process. Everything handled online except for notary. Very easy process. Super pleased and cannot express how thankful we are for this company and the people that work for them.

— Jon

Start your home buying journey today.

Get the down payment you need now for a share of your home’s future value.

Reduce your mortgage amount

Avoid private mortgage insurance (PMI)

Make a competitive purchase offer

Save more monthly 

for repairs & upgrades

Buy your home sooner

SEED enables
20% down:

Under 20% down:

Join the waitlist

How it works

The home buying experience can be confusing. We're here for you. From your SEED pre-qualification to finding the right mortgage with our partners, we'll guide you through the process.

Get pre-qualified
There is no obligation. No impact on your credit score. See if you qualify.
Find your mortgage
We'll connect you with our partners to find the right mortgage for you.
Buy your dream home
When your offer is accepted, Point funds your down payment via escrow alongside the mortgage lender.

How can Point's SEED help?

Whether you're a first-time buyer or looking for a second home, we want to help you reach your goals. Access all the benefits of a 20% down payment.

Afford more home. Save on your down payment.

You can get up to 15% towards your home down payment. More money down can reduce your monthly mortgage payment by hundreds of dollars, giving you more for anything else.

Avoid private mortgage insurance (PMI), which can add thousands to a mortgage that doesn’t go toward your equity. By meeting or exceeding a 20% down payment with a SEED investment, you can eliminate the need for PMI altogether.

The right offer for you, and them.

Less cash down can mean a losing bid. Gain the power of an appealing offer even in a highly competitive market.

With a more level playing field, you can buy your dream home and start building your home equity wealth.

Your home, your terms.

No monthly payments. No payoff penalty. 30 year term. Sell your home or buy back equity anytime you want. Whether you're a first-time buyer or looking for a second home, we want to help you reach your goals. Unlock all the benefits of a 20% down payment. Begin your homeownership journey and start building home equity wealth.

Together, we share in the ups, and even the downs, of your home’s value. And if your home appreciates past a certain threshold, you are protected.

Point in the press

Our innovative solutions have been featured in top publications.

Tech Crunch
Point closes on $115M to give homeowners a way to cash out on equity in their homes
Historically, homeowners could only tap into the equity of their homes by taking out a home equity loan or refinancing. But a new category of startups have emerged in recent years to give homeowners more options to cash in on their homes in exchange for a share of the future value of their homes.
CNBC
Need cash? Now you can sell the equity in your home to investors
California-based Point is a ... fintech company specializing in home equity contracts. It offers homeowners cash for a share of the home’s equity, that is, the amount the home is worth beyond the value of the mortgage.
The Wall Street Journal
Financial Times
Fox
The Washington Post
The Atlantic