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.
Home Equity Investment

Get up to $500k from your home equity with no monthly payments.

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Learn more about Point and the world of home equity.

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We are working to make homeownership more valuable and accessible.

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Home Equity Investment (HEI)

Get up to $500k from your home equity with no monthly payments.

Resources

Company

# Home Equity Investment: Get up to $500k1

No monthly payments

No income requirements

No need for perfect credit

Enter your home address

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Excellent

4.5

out of 5

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Excellent

4.5

out of 5

Point BBB Rating

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

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Ramiel Testimonial

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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



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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.

House

### 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.

## 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.

A bill with the word paid on it.

### 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

### Home Equity Investment

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. ‍

#### 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 downpayment investment product, SEED.

#### 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 home
- There are no monthly payments
- The credit score criteria is not as stringent

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

#### 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.

1. To kick things off, you’ll prequalify and receive an offer estimate.
2. If you like what you see, you can continue to a full application.
3. The Point team will underwrite your application and order additional reports, including an appraisal, credit report, and title report.
4. 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?

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.

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

- The size of your initial investment
- How long it takes you to repay
- How 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.

HEI costs vary depending on a few different factors, including:

#### How long has Point been around?

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

## Why Point?

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

Point Handshake

### 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.

Point Home

### 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.

Point Check

### 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.

Point Lifesaver

### 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.

Trustpilot

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.

Trustpilot

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.

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## Point in the media

### Our innovative products have been featured in top publications.

Business Insider

Point CEO, Eddie Lim made Business Insider's 100 people who are transforming business

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.

TechCrunch

Point closes on $115M to give homeowners a way to cash out on equity in their homes

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 have 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.



Excellent

4.5

out of 5

Unlock your home equity with no monthly payments, no income requirements, and no need for perfect credit.

444 High Street, Fl 4

Palo Alto, CA 94301

Home Equity Investment

Contact Us

Fax: (650) 434-3778

Mon - Fri: 6am - 6pm PST

Resources

Company

1. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $1,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.

‍

California: Point’s HEI product is not offered under its California Financing Law license (CFL) license, but if you have a complaint concerning the HEI product, you may still file a complaint with the The California Department of Financial Protection and Innovation. Point’s HEI product is offered as a licensed mortgage product in Colorado, Connecticut, Georgia, Illinois, Maryland, and North Carolina. HEIs offered in other states are not currently required to be licensed.



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