Get up to $500K with no monthly payments, ever!
Have you ever wanted a new way to unlock your home equity? That’s a Home Equity Investment (HEI) from Point. We offer equity financing for homeowners. We pay you today for a share of your home’s future appreciation. There are no monthly payments; you have the flexibility to buy Point out or sell the home at any time; costs are capped so that if your home appreciates in value a lot, you don’t give up too much of the gains. We do well when you do well. Now, that’s quite revolutionary.
Property Geographic Areas
Point is available to homeowners in select areas of California, Washington, Oregon, Colorado, New Jersey, Massachusetts, Virginia, Washington DC, Florida, New York, Maryland, Pennsylvania, Illinois, Michigan, Minnesota, Arizona, North Carolina, and Ohio.
How it Works
- Gain early access to your home equity
Point will invest in a slice of your home equity, paying you cash today. You can get $25,000-$500,000, depending on your home value and the amount of equity you own. Point is not added to the title of your property. - Free yourself from monthly payments
Since Point is investing in your home, there are no monthly payments, ever. In fact, homeowners who use a Home Equity Investment (HEI) to pay down their existing debts increase their monthly cash flow by an average of $1,413. - Keep enjoying your home
You maintain control over your home and continue to live in it. - Eliminate debt and build a safety net
You can use your unlocked equity for whatever you need, such as paying down debt, an unexpected expense, fixing up your home, or an investment opportunity. - Repay when it’s convenient
You can buy back your equity any time during the 30-year term, typically via a refinance, home loan, or sale. There is no pre-payment penalty. - Repay in proportion to your wealth
When you exit the contract, your buyback cost will depend on your home value—the cost will be the amount originally received plus a portion of your home’s appreciation since partnering.- If your home has appreciated past a certain threshold, your cost will be capped.
- If your home has depreciated, your buyback cost will be smaller.
Point’s Process for Home Equity Investments
- See if your home qualifies and get an estimate.
Answer a few questions here to get instant pre-approval or denial, and see how much you could get. This takes under a minute, is free, and will not affect your credit. - Have all your questions answered on a call with one of our home equity experts.
We take customer education seriously—we want everyone we partner with to understand how equity sharing works. This is your opportunity to ask us anything! - Fill out an online application and upload required documents.
If you’ve applied for a mortgage, you’ll be familiar with this part, though our customers tell us our process is easier. The information you provide here will help us understand your situation better and possibly improve on our offer. - Schedule a home visit with an independent, third-party appraiser to set your initial home value.
If we decide to invest in your home, we’ll need to determine your starting home value, from which to calculate appreciation. To ensure the process is fair, we work with third-party appraisers that we are unaffiliated with. After the appraisal is complete, we’ll finalize our offer to you. - Receive your funds.
We’ll send a notary to you wherever you are to sign closing documents and then electronically transfer the funds to your bank account. A 3-5% transaction fee, an appraisal fee, and an escrow fee will be deducted from your funds. We’ll file a record of the transaction with your county recorder’s office. - Sell your home or buy back your equity anytime within 30 years.
If you sell your home, Point is automatically paid from escrow. Customers who aren’t ready to sell typically acquire the funds to repay Point via a refinance or home equity loan. See our Pricing page to estimate how much Point might cost.
Point Testimonials
Got cash without a monthly payment
Greg
"I was looking for a HELOC, but the monthly payments were high because interest rates had gone up. I was wondering how I could get around that when I came across a Point ad. The money from Point allowed me to clean up old debt, clean up the yard, and have a little extra left over to do things around the house that needed to be done. Point is a wonderful alternative."
Thousand Oaks, CA
Had High-Interest Debt
Susan
"A few years after the recession I lost a job I’d been at for 20 years, so we used credit cards to fill the gap. You make the minimum payments but you’re not able to really pay down the debt. Next thing you know, you’re in trouble again. There was a point in time when I told my husband, we can’t keep living this way, we’ve got to find a solution, and if the solution meant selling our house...well he just was not ready to sell the house at that time. Point solved two problems. We got to stay in our home, so he got what he wanted, and I got the debt relief that I was looking for."
Issaquah, WA
Had trouble qualifying for traditional equity products
Rameil
"I like being self-employed, but loan options tend to be very frustrating because the banks require a lot to qualify. You have all this equity in your house, but maybe you don’t have a good credit score or your debt-to-income is too high. I’m always keeping my eye out for possible real estate investments. That was a motivation—to be able to have access to that equity rather than have it just sit there and do nothing for me. In my case, with Point, I was able to put myself in a position of financial freedom. Point was that connector that connected me from point A to point B."
Burbank, CA
Needed to improve my home
Kerry
"My wife and I were looking for funds to renovate our kitchen, bathrooms, and yard. But we didn’t want to add to our debt load or have an extra monthly payment. Point provided the cash we needed to upgrade our house, which will increase its value and our equity. As a bonus, because we knocked out some debt with the funds, my base credit score jumped 27 points within a month of closing. This program was the alternative that had all of the right terms for me."
Danville, CA
Wanted to Start a Business
Axel
"I used the equity Point freed up for me to buy a couple cars in Guatemala and start my own taxi business. It’s feeding me an extra $600 per month. Plus, I now have substantial backup reserves in the bank, all my debt is gone, and my credit score jumped 70 points. My financial situation was a little complicated, but Point was really understanding and easy to work with."
Revere, MA
Gloria
"After Point I’m back on track and gaining financial strength. I’ve been able to pay off some larger bills, re-establish my 401k contributions, set up an IRA, and set up a traditional savings account for any rainy day emergencies."
Issaquah, WA
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Point was founded because of our own frustrations with homeownership in Silicon Valley and beyond.
From failed efforts to refinance our homes to being “beaten” out from buying a home repeatedly in the San Francisco Bay Area, we have experienced first hand the failings of a system skewed by debt financing.
Point was founded in 2014 by Eddie Lim, Eoin Matthews and Alex Rampell.
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