Home Equity Investment

Q: What if I don’t own a home?

You need to own your own home to be eligible for a Home Equity Investment. However, if you’re looking to purchase a home, you may be interested in joining the waitlist for our down payment investment product, SEED.

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

A Home Equity Investment is different from traditional home equity products. An HEI is an investment in your homeThere are no monthly paymentsThe credit score criteria is not as stringent Check your eligibility with no risk to your credit score when you prequalify. Prequalify now

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

Your HEI comes with a 30-year term, but you’re free to repay at any time during the life of your term with no prepayment penalty.

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

The size of your initial investmentHow long it takes you to repayHow much your home appreciates during your HEI term Take a look at this interactive pricing example to learn more about the potential cost of a Home Equity Investment.

Q: How long has Point been around?

Point has been helping homeowners unlock their wealth with the Home Equity Investment since 2015.

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 buyback 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?

To be considered for a Point HEI, you’ll need the following:

A home in an area served by Point*
Sufficient home equity
A credit score above 500

*See Point's geographic availability here or learn more about general eligibility requirements here.

Check your eligibility with no risk to your credit score when you prequalify.‍

Prequalify now

What if I don’t own a home?

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.

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

How much will I owe when I repay my 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

4.6

rating with over

1,600 reviews on Trustpilot.

Highly recommended.

I’ve been through countless mortgage and refinancing applications. This was by far the best experience I’ve ever had. I was told 90 days to close at the beginning and we closed in 28 days. The entire process was so efficient and stress free. I was kept informed of the progress each and every step of the way. I am so glad I made the decision to go with Point.

—

David P Boey

The Point process was a lifesaver for…

The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.

—

Bonnie C.

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

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

Point has a

4.6

rating with over

1,600 reviews on Trustpilot.

Highly recommended.

I’ve been through countless mortgage and refinancing applications. This was by far the best experience I’ve ever had. I was told 90 days to close at the beginning and we closed in 28 days. The entire process was so efficient and stress free. I was kept informed of the progress each and every step of the way. I am so glad I made the decision to go with Point.

—

David P Boey

The Point process was a lifesaver for…

The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.

—

Bonnie C.

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

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 as little as 10% of your own funds down – and no PMI.

Learn more about SEED

Point in the media

Our innovative products have been featured in top publications.

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Every year, Insider surfaces 100 leaders across 10 industries who are driving unprecedented change and innovation. Lim, the CEO and cofounder of Point, wants to make it easier for people to tap into that wealth. Lim’s company, which he founded alongside Eoin Matthews in 2015, offers homeowners lump sums of cash in exchange for a stake in their home.

Read this article

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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 has 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.