How does it work?

The Home Equity Investment (HEI) from Point lets you access $35,000 to $300,000 of home equity. It's not a loan, so there are no monthly payments. There is no interest charged, ever. Instead, Point becomes a partner with you in the future change in value of your property. If your home's value rises, Point shares in some of the gain when you sell or refinance. If your home's value drops, Point shares in some of the loss when you sell or refinance.

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Home improvements + debt payoff? Yes!

Many choose the HEI due to the financial flexibility it provides. For homeowners looking to cover the costs of a home improvement project and, if applicable, eliminate some debt too, the HEI is the only solution. Where lenders and loans are not a suitable option, HEIs are often the best option. 


Qualify easier, process faster

Point allows you do everything easily online. You can get pre-approved in minutes and funded in weeks. The eligibility criteria for the HEI are less strict than those for traditional home equity loans. Homeowners with lower credit scores or higher debts who do not quality for traditional HELOCs and home equity loans may qualify for a HEI.

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