Get your HELOC quote:
Fast, easy, 100% online

Unlock cash from your home with a flexible line of credit. Competitive rates, fast funding, and no impact on your mortgage.

Speed: Approval in minutes, funding in days.
Flexibility: Draw only what you need, when you need it.
Transparency: No hidden fees and a fixed-rate option.

Enter your home address

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Excellent

4.7

out of 5

Phone screen shows a Point offer for up to $95,000 with a 30-year term and no prepayment penalties.

Unlock your equity, your way.

Choose between Point’s HELOC and Home Equity Investment (HEI). With an HEI, homeowners get a lump sum now in exchange for a share of their future home appreciation. HEIs have no monthly impact and no impact on your existing mortgage.

Circular shape with various blue-gray diagonal stripes and textured shading.

HELOC

Point'sHome Equity Line of Credit

Access funds when you need them, and repay over time with monthly payments that adjust to what you draw.

Get cash fast, as soon as 5 days³

Low interest rates

Get up to $750k⁴

Abstract circular shapes in varying shades of yellow and orange forming a textured pattern.

HEI

Point'sHome Equity Investment

Get the cash you need without the things you don’t. Qualify based on your home, not your income.

No monthly payments

Flexible credit requirements

Get up to $600k

Blue circular shape with darker abstract leaf-like patterns layered inside.

HELOC

Frequently asked questions

Find answers to common questions about Point’s HELOC. If you’re ready, checking your eligibility is a good first step, takes about a minute, and has no impact on your credit.

What is a HELOC?

A HELOC (Home Equity Line of Credit) is a line of credit secured by your home. HELOC's lets you borrow up to a limit, draw funds as needed, and repay against the amount you draw each month.

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With a HELOC, your monthly payment is shaped by two main factors:

APR (Annual Percentage Rate)
This is the cost of borrowing money, expressed as a yearly percentage.
Amount you draw
You’re not charged on your entire line of credit — only the funds you actually take out.

What are the key differences between a HELOC and HEI?

Both options give you cash by accessing your home equity, but they work differently.

A HELOC is a line of credit.
You borrow against your home, make monthly payments, and pay interest. The application is fast and you can get cash in as little as 5 days.
A Home Equity Investment (HEI) gives you a lump sum upfront, with no monthly payments.
You repay at a later time that works for you, typically when you sell or refinance, based on your home's future value and within 30 years.

See all options you qualify for with our easy online application.

View my options

What if I do not see a HELOC option?

HELOCs have stricter eligibility requirements than our Home Equity Investment (HEI). When available, we’ll show you both, but in some cases, only the HEI is offered based on your home and financial profile. In cases where neither product is a good fit, we will look for some other options that might be helpful and share what we find.

HELOC requires 680+ credit score.
HEI requries 500+ credit score.

View my options

Homeowners trust Point to help unlock their equity

We've worked with more than 25,000 happy homeowners, and have 4.7 stars from over 5,000 reviewers on Trustpilot and an A+ rating from the BBB.

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!"

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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.

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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.

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Bruce M.

What I enjoyed the most is how easy it has been to work with Point.

"What I enjoyed the most is how easy it has been to work with Point. The communication was/is upfront and timely. I never had to worry about what was the next step."

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lonwane

The very best experience

“My experience was the best. The process was fast, easy and full of great customer service. Just like it says in their name, they were on “Point”!”

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Anna

The whole process is very clear cut and transparent

"The whole process is very clear cut and the dashboard of progress for my account, was easy to follow and understand. The final closing process takes a little long and final approval and clear to close. The download of necessary documentation was easy to complete. The staff are very nice to communicate with and did follow up. The financial education class was very good and helpful. Rachel was very helpful and responsive to my texts. "

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Matthew Emerson Light

Point staff made the process easy, access to them, the website was very easy and good.

"Point staff made the process easy, access to them, the website was very easy and good. Everything was explain to us, and this was a very big decision for us. "

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Kari Lynn Spielman

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Get your HELOC quote: Fast, easy, 100% online