Live RatesAvg Mortgage Rates (Today's Rates):
30-Yr Fixed6.84%-0.05%
15-Yr Fixed6.08%+0.02%
30-Yr FHA6.35%-0.03%
30-Yr VA6.22%-0.04%
5/1 ARM6.45%+0.01%
HELOC Avg8.95%0.00%
P
POINT.
Prequalify now
Over $1.5B in home equity funded across America

Unlock your home equity.
Build your future. No monthly payments.

Get up to $600k of your home equity, your way. Choose maximum flexibility and no monthly payments with a Home Equity Investment (HEI), or faster funding with a HELOC.

1
Home Address
2
Property & Equity
3
Deliver Estimate
Check your eligibility in 60 seconds — No impact to credit score

Enter your property address to get started

Prospects must enter their full residential address to unlock custom HEI & HELOC terms.

Quick test sample addresses:
256-bit Bank Grade SecurityDoes Not Impact Credit Score
4.7 / 5.0on Trustpilot
BBB Accredited A+ Rating
30,000+ Homeowners Funded
Current Mortgage & Equity Rate Tracker

Compare High Loan Rates vs. Point's $0/Month HEI

With 30-year mortgage rates hovering around 6.8% and credit cards exceeding 22%, Point's Home Equity Investment removes monthly debt burdens completely.

Get Estimate for My Address
30-Yr Fixed6.84%Monthly P&I owed
15-Yr Fixed6.08%Higher monthly pay
Bank HELOC8.95%Variable interest
Personal Loan12.4%Strict DTI rules
Credit Cards22.8%Compounding debt
Point HEI$0 / moZero Monthly Bills
No Monthly Payments • No Income Verification

What is a Home Equity Investment (HEI)?

An HEI is a financial partnership between you and Point. As the homeowner, you receive funds upfront in return for a small share of your home’s future change in value. You remain on title and control when to exit.

Get my no-risk offer
1

Get up to $600k

You receive a lump sum cash payout from your accumulated home equity. Use the cash however you wish: paying off high-interest debt, remodeling, or investing.

2

For up to 30 years

There are zero monthly payments and no interest charges. You maintain complete control over your home and can buy out Point at any time with no prepayment penalty.

3

You decide when to exit

You can settle the investment whenever you refinance, sell, or simply buy back your equity using savings. If your home depreciates, Point shares in the loss!

Point Product Comparison

Home equity solutions for every need

Choose what matters most: zero monthly payments, flexible qualification, or rapid credit line access.

Most Popular
Point HEI

Home Equity Investment

Get up to $600k from your equity with absolutely no monthly payments. Ideal if you want debt relief or lump sum cash without added monthly expenses.

No monthly payments for up to 30 yearsZero interest, zero monthly bills.
No income verification requiredPerfect for retirees, self-employed, or non-traditional earners.
Credit scores down to 500 acceptedWe partner based on your home wealth, not strict FICO hurdles.
Lump sum cash up to $600,000Direct wire to your bank account.
Calculate My HEI Estimate
Point HELOC

Home Equity Line of Credit

Fast cash access with a low monthly payment. A revolving credit line you can draw from whenever needed.

Fast funding as soon as 5 daysImmediate access to your approved credit line.
Get up to $750,000 credit lineRevolving credit that reloads as you make payments.
Competitive low ratesInterest applies only to active balance drawn.
680+ Credit Score recommendedTraditional revolving line structure.
Check HELOC Eligibility
Partner in Home Wealth

Point makes home wealth more valuable for homeowners.

You built your home equity with every mortgage payment and renovation. We built a solution that lets you tap that wealth without adding another monthly bill.

Eliminate high-interest debt

Consolidate credit card balances, personal loans, or medical bills. Replace hundreds or thousands in monthly loan payments with zero monthly payments.

Invest in your home

From major kitchen remodels to adding an ADU or repairing a roof, accessing your equity enables you to enhance your property's value.

Invest in yourself

Turn home equity into freedom: fund your dream business, pay college tuition, or set aside a comfortable retirement nest egg without stress.

Trustpilot 4.7 / 5.0 • 6,000+ Reviews

See how Point has helped over 30,000 homeowners

Read all 6,000+ verified reviews
Point HEI

"The banks required a lot more to qualify for their loans. Point came in and said, here's an option for you. We paid off credit cards and stayed in our home."

Rameil K.

Burbank, CA
Eliminated $48k in card debt
Point HEI

"Point solved two problems—we got to stay in our home, and I got the debt relief that I was looking for. There are literally no monthly payments, which gave us immense peace of mind."

Susan M.

Issaquah, WA
No monthly payments for retirement
Point HEI

"Retired and on a fixed income, I was paying interest on home equity loans each month. Point gave me the cash to wipe out those loans, leaving me with surplus cash every single month."

Bruce M.

Phoenix, AZ
Saved $1,200/mo cash flow
Point HELOC

"Point was truly exceptional from start to finish. Their process was smooth, transparent, and perfectly communicated with step-by-step updates every step of the way."

Luiz Arbore

Denver, CO
Funded in 6 business days
Featured in leading publications
The Wall Street JournalThe New York TimesTechCrunchBloombergBusiness InsiderForbes
Got Questions? We Have Answers.

Frequently Asked Questions

Everything you need to know about Home Equity Investments and HELOCs.

To qualify for a Point HEI, you generally need: 1) A residential home in an area served by Point; 2) At least 20-30% remaining equity in your home; 3) A credit score of 500 or above. Crucially, Point has NO strict debt-to-income (DTI) or income verification requirements, making it accessible to retirees, self-employed homeowners, and gig workers.

Have more questions?

Our licensed home equity specialists are available Monday - Friday, 6am - 6pm PST.

Call (347) 533-9456
Ready to unlock your home equity?

Get up to $600,000 with zero monthly payments.

Check your eligibility in 60 seconds with no impact on your credit score.

Enter Address for HEI Estimate