Discover a HELOC alternative.

There’s another way to unlock your home equity. Get up to $500k from your home – with no monthly payments.

We are currently focusing all our efforts on our flagship product, the Home Equity Investment1 (HEI), and we have paused our HELOC program. We’d still love to help you achieve your financial goals with our HEI.

Point BBB Rating
Excellent
4.5
out of 5
Get up
to $500k
Point No Monthly Payments
Pay nothing for
up to 30 years
 Fast, easy 100%
online application
Premium
phone support
Trustpilot
Point has a
4.5
rating with over
1,200
reviews on Trustpilot.
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. I can't brag about Point enough!"
William
Very easy process from start to finish
"Very easy process from start to finish. Very knowledgeable and friendly staff to work with. All my questions were answered in a timely manner with the process explained fully."
John
Expectations were set appropriately
"Expectations were set appropriately. Communications were professional and respectful. Someone was always available (during business hours) to respond via phone, email, or text. Great experience! Have already recommended to 3 people."
Ghaith
Point— a great company to do business with
“The Point process was excellent and the people working throughout the process were extremely professional and patient”
Ray & Brenda
I had a great experience with Point
“I had a great experience with Point, I would recommend [Point] to anyone. Thanks for making my day and making the process as seamless as possible”
Justin
Thank you, Point
“My experience with Point was a pleasure from start to finish. The product they offered fit my needs perfectly and was explained in detail where no questions were left unanswered.”
Eugene

Here’s how the HEI compares to a traditional HELOC

At Point, we’ve offered both solutions – so we know what sets our HEI apart. Both the HELOC and the HEI offer up to $500k, a 30-year term with no prepayment penalty, and an easy online application, but there are some key differences.

Point's HEI

HELOC

500+ credit score
No income requirements
No monthly payments
30-year term
Get up to $500k

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.
Read this article
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.
Read this article