A picture of a house in treasure chest being unlocked with a key.

Get up to $750k from your home equity.

Are you a homeowner?

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Pre-qualify for top home equity options with Point's no-risk application. Choose from a low-rate HELOC1 or a Home Equity Investment (HEI)2 with no monthly payments.

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HEI: No monthly payments
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HELOC: Get cash fast
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Talk to a home equity expert
Point BBB Rating
Excellent
4.7
out of 5

Your equity, your choice

Answer a few simple questions to get your no-risk offer from Point in under 60 seconds. If you have any questions, you can talk to a home equity expert.

Point'sHome Equity Investment

Get the cash you need– without the things you don’t. No income requirements and no monthly payments.

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No monthly payments

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Flexible credit requirements

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Get up to $600k

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.

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Get cash fast, as soon as 5 days3

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Low interest rates

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Get up to $750k4

Point lets you compare two options: a low-rate HELOC1 or a Home Equity Investment2 (HEI) with no monthly payments. Access your home’s equity on your terms.

Homeowners love getting cash from Point's home equity products.

We've worked with more than 15,000 happy homeowners, and have 4.7 stars from over 1,600 reviewers on Trustpilot.

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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
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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. "
Matthew Emerson Light
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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
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My experience has been great because it has been an easy, step by step process!
"My experience has been great because it has been an easy, step by step process! Also, the customer service has been amazing. They did a wonderful job of explaining the entire program and what to expect, as well as choosing the company to provide financial counseling and making sure that, as a customer, I truly understand the process and how it works. Transparency has been a major goal for Point and they have reached that goal!"
Liz D
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My experience was exceptional.
"My experience was exceptional. All representatives were patient and helpful. They took their time answering my questions and they were pleasant when I needed to redo paperwork. If it had not been for POINT I would not have been given the opportunity to receive these funds."
Roberta Langley Clark
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I love the way I was kept informed of each step in process.
"I love the way I was kept informed of each step in process. The representative they came out to my closing was awesome , friendly and she was on time. Sometimes I didn't understand the reasoning of why certain things came into play and my representative account manager Ray was very helpful in explaining everything"
Dee
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I have a had a wonderful experience with Point thus far.
"I have a had a wonderful experience with Point thus far. I’m just about to finish up closing on my HEI and I’m excited to receive my funds! Point makes this process very easy to understand and navigate and they are very communicative throughout the entire process which is amazing!!"
Sadie Elisabeth James
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I truly appreciate the process Point has created from beginning to end
"I truly appreciate the process Point has created from beginning to end, which provides needed understanding and also timeliness. Derick Joseph Sanchez deserves mention for his efficiency in moving things along. All agents were great to work with when I called in and my account manager, Anita, was outstanding. Thank you, Point team!"
Kat Scott
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Experience was smoother than expected
"Experience was smoother than expected with no surprises and very straightforward. Highly recommend them when other options may not be available due to your circumstances"
Rob Cowan
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Point has been easy to work with and has been in constant communication
"Point has been easy to work with and has been in constant communication along the way. I always felt that I knew what was going on and the process has been smooth and simple. "
Blythe Sachiko Tani