How does it work?

The Home Equity Investment (HEI) from Point lets you cash out $25,000 to $500,000 of home equity. It's not a loan, so there are no monthly payments. Instead, the HEI is a sharing product. If your home's value rises, you share the gains when you sell or refinance. If your home's value drops, Point shares in the loss. You may even pay back less than what Point invested with you initially.

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Who is it good for?

Many choose the HEI to have zero monthly payments. For example, they might be eliminating debt, covering a large expense, or pursuing an investment opportunity. Others choose it as protection. They may have inconsistent income, and the funds smooth out a period of unpredictable cashflow. Lastly, the HEI is also a favorite among those who think the property market is at a peak and want to "hedge" the market.


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 also less strict than 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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