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Home Equity Investment
Home Equity Investment (HEI)

Get cash from your home with no monthly payments.

SEED
SEED Investment

Get help with your down payment.

More
About Us
Careers
Press
Investors
Partners
HEI FAQs
Testimonials
Blog
Point Research
Contact Us
Have an offer code?Prequalify now

Home Equity Investment (HEI)

Get cash with no monthly payments.

SEED Investment

Get help with your down payment.

About our products
Point Research
HEI FAQs
Blog
About Point
About Us
Careers
Press
Testimonials
Partners & Affiliates
Investors
Contact
Have an offer code?Prequalify now



GET UP TO $500K FROM YOUR HOME EQUITY

No monthly payments
No income requirements
No need for perfect credit

Prequalify nowLooking to buy a home?
4.9
out of 5
4.5
out of 5
Excellent
4.5
out of 5


SEE HOW POINT HAS HELPED OVER 10,000 HOMEOWNERS ACROSS THE UNITED STATES.

The banks required a lot more to qualify for their loans. Point came in and
said, here’s an option for you.

Rameil

from Burbank, CA

Point solved two problems—we got to stay in our home, and I got the debt relief
that I was looking for.

Susan

from Issaquah, WA


SOLUTIONS FOR YOUR FINANCIAL GOALS


POINT MAKES HOME WEALTH MORE VALUABLE FOR EVERYONE.


WHETHER YOU’VE OWNED YOUR HOME FOR THIRTY YEARS OR ARE JUST STARTING YOUR
JOURNEY TOWARDS HOMEOWNERSHIP, WE HAVE A PRODUCT THAT FITS YOUR UNIQUE NEEDS.


IF YOU OWN A HOME:


HOME EQUITY INVESTMENT1

Get the cash you need – without the things you don’t. No income requirements, no
monthly payments, and no need for perfect credit.
500+ Credit Score
No income requirements
No monthly payments
Prequalify now


IF YOU ARE BUYING A HOME:


SEED DOWN PAYMENT INVESTMENT2

Become a homeowner with as little as 10% down – and no PMI.
Gain flexibility and save on your mortgage every month. Start building home
equity wealth and experience the pride of ownership.
720+ credit score
No income requirements
No monthly payments
Learn more



WHY POINT?


POINT IS YOUR PARTNER IN HOME WEALTH. WHEN YOU DO WELL, WE DO WELL.

We are your partner.
We don't choose customers — we choose partners. Whether you want to eliminate
debt, pay for a large expense, or fund a dream – you choose your life’s
direction. We want to help you do that by making your current or future home
work for you.


It's your home — keep it that way.
We are partners in your home’s value, not co-owners. It's your home and you
retain full control. Point is not added to the title. You can sell your home,
buy back your equity, or refinance any time that is convenient for you.

You deserve your financial freedom.
You worked hard to be where you are. Whether you need to unlock your home equity
wealth or enhance your down payment, we think you deserve to breathe a little
easier or to dream a little bigger.

Find what's right for you.
We understand life happens. Some financial situations feel impossible to
overcome. The good news is that we can help. See which solution can get you from
where you are to where you want to be.


POINT IS HELPING HOMEOWNERS AND HOME BUYERS ACHIEVE THEIR FINANCIAL GOALS.

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
Slide 2 of 4.







POINT IN THE MEDIA


OUR INNOVATIVE PRODUCTS HAVE BEEN FEATURED IN TOP PUBLICATIONS.

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
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

Read more press coverage
Excellent
4.5
out of 5
Excellent
4.9
out of 5
Unlock your home equity with no monthly payments, no income requirements, and no
need for perfect credit.
444 High Street, Fl 4
Palo Alto, CA 94301
HEI
Get cash from your home with no monthly payments.
SEED Investment
Get help with your new home’s down payment.
Company
About UsCareersPressTestimonialsPartnersRefer
Resources
HEI FAQsBlogMedia Kit
Contact Us
General InquiriesInvestors
Servicing: (650) 632-5040
Fax: (650) 434-3778
General Inquiries: (888) 764-6823

Monday - Friday: 8am - 6pm PST


 1. Point partners with and invests alongside the homeowner in the property.
    Subject to underwriting approval, Point will pay you an upfront, lump sum
    amount in exchange for a portion of your home’s future appreciation. Point
    charges up to a 3.9% processing fee (subject to a $1,000 minimum) and other
    third party paid closing costs such as appraisal, escrow, and government
    fees. The term is 30 years. Point will place a lien on your home to secure
    performance of the underlying agreement. There are no monthly payments or
    interest accrual. Homeowner’s repayment amount is based on the future value
    of the subject property at the time of exit, as outlined in the underlying
    agreement.
    ‍
    California: Point’s HEI product is not offered under its California
    Financing Law license (CFL) license, but if you have a complaint concerning
    the HEI product, you may still file a complaint with the California
    Department of Financial Protection and Innovation at
    dfpi.ca.gov/file-a-complaint/. Point’s HEI product is offered as a licensed
    mortgage product in Connecticut, Georgia, and Maryland. HEIs offered in
    other states are not currently required to be licensed.
    ‍
 2. Point partners with and invests alongside the prospective home buyer to
    provide a down payment for the purchase of their home. Program is subject to
    the home buyer obtaining adequate financing for the purchase of their home
    through an eligible lender. Subject to underwriting approval, Point will
    offer a supplementary down payment up to 15% of the purchase price of the
    home in exchange for a portion of your home’s future appreciation. The home
    buyer is required to put at least 10% of their own funds down and Point’s
    supplementary down payment ranges between $10,000 - $250,000 depending on
    qualification and eligible properties. Point charges a 3.9% processing fee
    and other third party paid closing costs such as appraisal, escrow, and
    government fees. The term is 30 years. Point will place a lien on your home
    to secure performance of the underlying agreement. There are no monthly
    payments or interest accrual. Home buyer's repayment amount is based on the
    future value of the subject property at the time of exit, as outlined in the
    underlying agreement.

‍


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