Own the home you love with less down

Transform your down payment into 20% or more with help from SEED*

Own the home you love with less down

Transform your down payment into 20% or more with help from SEED*

Save on your mortgage, start building equity, and buy the home you love without the wait.

Excellent
4.5
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Get funds towards
your down payment
Avoid Private Mortgage
Insurance (PMI)
Lower your monthly
mortgage payment
Access homeownership
earlier
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reviews on Trustpilot.
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What is SEED?

SEED is a partnership between you and Point.
As a home buyer, you get funds to increase your down payment to 20% (or more) in return for a portion of your home’s future appreciation.

Get funds today:
You receive up to 15% towards your down payment. In exchange, Point gets a slice of your home equity.
For up to 30 years:
There are no monthly payments, ever. 
You can sell your home or buy back your equity at any time within a 30-year term with no penalty. You maintain complete control over your home.
Exit when you're ready:
When you decide to exit our partnership, the amount you pay depends on the value of your home at that time. If your home goes up in value, Point shares in the gain. If the value falls, your buyback costs may be smaller.

Start your home buying journey today

Get the down payment you need for the home you love. Access all the benefits of 20% down.

SEED-enabled
20% down
Buying with
under 20% down
Reduce your monthly mortgage payment
Avoid Private Mortgage Insurance (PMI)
Make a competitive purchase offer
Gain flexibility without exhausting your savings
Buy a home sooner

How home buying with SEED works

The home buying process can be confusing. Our home equity experts are here to guide you and answer any questions you may have.

1
Get pre-qualified
Shop for a home with confidence when you pair a SEED prequalification with your mortgage preapproval from one of our mortgage partners.
2
Complete your application
We’ll provide everything the mortgage lender needs to use SEED as down payment funds.
3
Buy your dream home
Get your down payment funds via escrow at the same time your mortgage closes.

Transparent costs

What does SEED cost?

Since we invest in your home, your buyback costs are dependent on your home’s change in value when you decide to exit. You control when you want to sell, refinance, or buy back your equity during the 30-year term.

See some example cost scenarios for “Sarah” to buy back her equity from Point.

Sarah purchases a home for:

$500,000

She pays half of the down payment:

$50,000

Point pays the other half of the down payment:

$50,000

Four years later, Sarah decides to sell her home, how much does Point get from the sale?

Large Depreciation

If Sarah sells her home for:

$375,000

Sarah keeps most of the sale price:

$344,600

Point gets some of sale price:

$30,400

In this scenario, Sarah’s cost is less than initial amount because Point shares in the depreciation
See more of the math

Average Appreciation

If Sarah sells her home for:

$573,800

Sarah keeps most of the sale price:

$491,500

Point gets some of sale price:

$82,300

High Appreciation

If Sarah sells her home for:

$626,500

Sarah keeps most of the sale price:

$532,100

Point gets some of sale price:

$94,400

In this scenario, Sarah’s cost is capped to protect her appreciation gains.
See more of the math

Large Depreciation

If Tim sells his home for:

$375,000

Sarah keeps most of the sale price:

$344,600

Point gets some of the sale price:

$30,400

In this scenario, Tim’s cost is less than he took out because Point shares in the depreciation
See more of the math

Average Appreciation

If Sarah sells her home for:

$626,500

Sarah keeps most of the sale price:

$532,100

Point gets some of the sale price:

$94,400

High Appreciation

If Sarah sells her home for:

$626,500

Sarah keeps most of the sale price:

$536,600

Point gets some of the sale price:

$89,900

In this scenario, Sarah’s cost is capped to protect her appreciation gains.
See more of the math

How can Point’s SEED help?

Whether you're a first-time buyer or upgrading to your next home, we can help you access all the benefits of a 20% down payment.

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

Avoid Private Mortgage Insurance (PMI), which increases the cost of owning your home without building your equity. With a 20% down payment, you can eliminate the need for PMI altogether.
The right offer for you –and them.
In today’s market, less cash down can mean a losing bid. Gain the power of an appealing offer to sellers even in a more 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 SEED payments. No prepayment penalty. 30-year term. Sell your home, refinance, or buy back your equity any time you want. 

Together, we share in your home’s value. If your home appreciates past a certain threshold, you are protected by the Homeowner Protection Cap.

Large home depreciation

6.9% annual decrease in home price over 4 years

The home Sarah wants to purchase has a risk adjusted value of $450,000*.

She can afford to put down $50,000 as a down payment. Point puts in another $50,000 to increase her down payment to 20% of the sale price.

Four years later, Sarah decides to sell her home for $375,000.

Sarah’s home value has declined $75,000 below the risk adjusted value.

Sarah keeps 92% of the sale price, around $344,600.

Point gets 8% of the sale price, around $30,400.

This is calculated by adding the original investment of $50,000 minus the $19,600 that Point shares in the home's depreciation.

*Since Point shares in the downside, we apply a home value risk adjustment of 10%. The risk adjustment helps offset any short-term price volatility to protect the original investment and makes it possible to offer no prepayment penalties.

Want to learn more about SEED? Join the waitlist to get updates as we roll out the product.

Average home appreciation

3.5% annual increase in the home price over 4 years

The home Sarah wants to purchase has a risk adjusted value of $450,000*.

She can afford to put down $50,000 as a down payment. Point puts in another $50,000 to increase her down payment to 20% of the sale price.

Four years of appreciation later, Sarah decides to sell her home for $573,800.

Sarah’s home value has appreciated $123,800 above the risk adjusted value.

Sarah keeps 86% of the sale price, around $491,500.

Point gets 14% of the sale price, around $82,300.

This is calculated by adding the original investment of $50,000 plus the $32,300 that Point shares in the home's appreciation

*Since Point shares in the downside, we apply a home value risk adjustment of 10%. The risk adjustment helps offset any short-term price volatility to protect the original investment and makes it possible to offer no prepayment penalties.

Want to learn more about SEED? Join the waitlist to get updates as we roll out the product.

High home appreciation

5.8% annual increase in the home price over 4 years

The home Sarah wants to purchase has a risk adjusted value of $450,000*.

She can afford to put down $50,000 as a down payment. Point puts in another $50,000 to increase her down payment to 20% of the sale price.

Four years of appreciation later, Sarah decides to sell her home for $626,500.

Sarah’s home value has appreciated $176,500 above the risk adjusted value.

Sarah keeps 85% of the sale, around $532,100.

Point gets 15% of the sale, around $94,400.

In this scenario, Sarah’s cost is capped with a time-based max amount due to the significant appreciation.

*Since Point shares in the downside, we apply a home value risk adjustment of 10%.The risk adjustment helps offset any short-term price volatility to protect the original investment and makes it possible to offer no prepayment penalties.

Want to learn more about SEED? Join the waitlist to get updates as we roll out the product.

Point in the media

Our innovative products have been featured in top publications.

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