Home Equity Investment

Excellent

4.5

out of 5

Point's Home Equity Investment (HEI) has helped over 10,000 homeowners across the United States.

The banks required a lot more to qualify for their loans. Point came in and said, here’s an option for you.

Rameil

from Burbank, CA

Point solved two problems—we got to stay in our home, and I got the debt relief that I was looking for.

Susan

from Issaquah, WA

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 today:

You receive a lump sum cash payment. You can use the funds for whatever you need. In exchange, Point gets a slice of your home equity.

For up to 30 years:

There are no monthly payments, ever. 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:

When you decide to buy back your equity, 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.

Learn more about Point's HEI

Point makes home wealth more valuable for homeowners.

You built your home equity with every mortgage payment and renovation. We built a financial solution that empowers you to unlock your home equity when you need it most.

Prequalify now

Eliminate high-interest debt

Use an HEI to pay off high-interest debts like credit card balances – without new monthly payments. Qualify easily with Point, even with financial challenges, and get rid of costly monthly payments.

A kitchen counter with a vase on top of it.

Invest in your home

An HEI can help finance home maintenance and improvements, like roof repairs, without high-interest loans or using savings. Preserve your home's integrity and increase its value.

Three people in a circle with a graduation cap on.

Invest in yourself

Use your home equity to fund personal and professional growth, bolster your retirement savings, and create opportunities. Using an HEI you can grow your business, finance continuing education, and otherwise secure your financial future without impacting your savings.

Find answers to common questions about HEIs.

Learn more about the HEI, a tool that helps you leverage your biggest financial asset. Understand the benefits, the application process, and get the information you need to see if a Home Equity Investment is the right home equity solution for you.

HEI

Get the cash you need using your home equity.

500+ credit score
No income requirements
No monthly payments

How can I qualify for Point’s Home Equity Investment?

How much will I owe when I repay my Home Equity Investment?

How does Point’s HEI compare to other home equity solutions?

What is the application process like?

If you’ve applied for another financing product tied to your home before – such as your first mortgage – the HEI application process will look familiar.

To kick things off, you’ll prequalify and receive an offer estimate.
If you like what you see, you can continue to a full application.
The Point team will underwrite your application and order additional reports, including an appraisal, credit report, and title report.
You’ll sign closing documents with a mobile notary, and your Home Equity Investment funds will be wired to your account.

What if I don’t own a home?

How long will I have to repay a Home Equity Investment?

How long has Point been around?

Why Point?

Point is your partner in home wealth. When you do well, we do well.

We are your partner.

We don't choose customers — we choose partners. Whether you want to eliminate debt, pay for a large expense, or fund a dream – you choose your life’s direction. We want to help you do that by making your current or future home work for you.

It's your home — keep it that way.

We are partners in your home’s value, not co-owners. It's your home and you retain full control. You can sell your home, buy back your equity, or refinance any time that is convenient for you.

You deserve your financial freedom.

We help unlock your home equity wealth, focusing on financial inclusivity for diverse credit profiles, so you can breathe easier and dream bigger. Our approach is tailored to empower your financial journey, regardless of where you stand.

Find what's right for you.

We understand life happens. Some financial situations feel impossible to overcome. The good news is that we can help. See how a Home Equity Investment can get you from where you are to where you want to be.

Point is helping homeowners achieve their financial goals.

Point has a

4.5

rating with over

1,600

reviews on Trustpilot.

A loan that made sense for me

"Point were efficient, quick and upfront about all the expenses. After doing the math and looking at other options, Point's deal made the most sense for me."

—

Tomas

Awesome push through of funds at the buzzer

"James and His manager Megan seemed to understand my sense of urgency as I was using the money for an investment that had a deadline. James pushed it to closing stage for me and once Megan got involved in the closing it was closed money wired to Fidelity within 1 day, after I was told it could be another 3 days plus wire transfer time. I was close to saying forget it, Megan brought it home!"

—

Karli Pan

Funded in weeks

My experience from start to end was good beginning at end of April 2024 and funded by start of June 2024. Starting with Andrew and providing all the different required information and forms and ending with Amanda and the closing team members, including the notary, everything went well. I am hopeful all customers encounter the same experience. Make no mistake this is expensive decision I am quite well aware of, that is the only drawback but this was critical and necessary in my situation so I am thankful

—

Jamie

We are in a much better situation

"We had significant equity in our house but were turned down for a standard HELOC and it seemed we had no way to access it to pay down debt and take care of other pressing needs. The Point Equity Investment plan allowed us to access our equity and we are in a much better situation because of that. Every contact with Point was met with a responsive representative and timely follow up. Very happy. Thank you!"

—

Steve Orecchio

Efficiency!

Efficiency, understanding and concern. No matter how many people I spoke to your in your organization, everyone was very helpful and courteous. Wish there weren’t as many people to communicate with concerning my HEI, but I guess that is the politics of it all.

—

Thomas Wyman Pinney

We had a very positive experience

"We had a very positive experience with Point. Everyone we dealt with was very helpful and professional. We would recommend this company to others."

—

Hope

Bravo to Outstanding Service

"Point provided me with outstanding service. I was amazed at how thorough and efficient they were until I went through their process. I highly recommend them."

—

Tess

Customer Service was above and beyond!

"We did a lot of research and read a lot of reviews before deciding to go with point. The experience we had with Point was superior! The process was very smooth, with a lot of correspondence, and questions were answered quickly. They were very honest, upfront and there weren't any hidden fees or costs."

—

William

Point is helping homeowners and home buyers achieve their financial goals.

Point has a

4.5

rating with over

1,600

reviews on Trustpilot.

A loan that made sense for me

"Point were efficient, quick and upfront about all the expenses. After doing the math and looking at other options, Point's deal made the most sense for me."

—

Tomas

Awesome push through of funds at the buzzer

"James and His manager Megan seemed to understand my sense of urgency as I was using the money for an investment that had a deadline. James pushed it to closing stage for me and once Megan got involved in the closing it was closed money wired to Fidelity within 1 day, after I was told it could be another 3 days plus wire transfer time. I was close to saying forget it, Megan brought it home!"

—

Karli Pan

Funded in weeks

My experience from start to end was good beginning at end of April 2024 and funded by start of June 2024. Starting with Andrew and providing all the different required information and forms and ending with Amanda and the closing team members, including the notary, everything went well. I am hopeful all customers encounter the same experience. Make no mistake this is expensive decision I am quite well aware of, that is the only drawback but this was critical and necessary in my situation so I am thankful

—

Jamie

We are in a much better situation

"We had significant equity in our house but were turned down for a standard HELOC and it seemed we had no way to access it to pay down debt and take care of other pressing needs. The Point Equity Investment plan allowed us to access our equity and we are in a much better situation because of that. Every contact with Point was met with a responsive representative and timely follow up. Very happy. Thank you!"

—

Steve Orecchio

Efficiency!

Efficiency, understanding and concern. No matter how many people I spoke to your in your organization, everyone was very helpful and courteous. Wish there weren’t as many people to communicate with concerning my HEI, but I guess that is the politics of it all.

—

Thomas Wyman Pinney

We had a very positive experience

"We had a very positive experience with Point. Everyone we dealt with was very helpful and professional. We would recommend this company to others."

—

Hope

Bravo to Outstanding Service

"Point provided me with outstanding service. I was amazed at how thorough and efficient they were until I went through their process. I highly recommend them."

—

Tess

Customer Service was above and beyond!

"We did a lot of research and read a lot of reviews before deciding to go with point. The experience we had with Point was superior! The process was very smooth, with a lot of correspondence, and questions were answered quickly. They were very honest, upfront and there weren't any hidden fees or costs."

—

William

A blue house with a white tag with dollars signs sticking out

Get up to 15 percent of your down payment.

Boost your down payment with a SEED investment.

Join the waitlist for Point’s SEED down payment investment and find out how you can become a homeowner with with as little as 10% of your own funds down – and no PMI.

Learn more about SEED

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