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Point is expanding its home financing offerings in California
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Point

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 * * Homeowners
      * Home Equity Investment (HEI)
        Get cash from your home with no monthly payments.
      * HELOC
        Apply for our low-rate HELOC. Available in California.
     
     
   * Home Buyers
      * SEED Investment
        Get help with your down payment.
     
     
   * FAQ
      * Frequently Asked Questions
      * How HEI Works
      * HEI Pricing
     
     
 * * Have an offer code?
   * Prequalify now

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GET UP TO $500K FROM
YOUR HOME EQUITY.



NO MONTHLY PAYMENTS.
NO INCOME REQUIREMENTS.
NO NEED FOR PERFECT CREDIT.

Prequalify now
Looking to buy a home?

Point has a 4.6 rating with over 650 reviews on Trustpilot.

 * I would recommend Point to people in my situation- self employed & having
   difficulty accessing their equity in their homes. The people that I dealt
   with were excellent. All my questions were answered promptly & if they didn't
   have the answer readily available, they were very quick to get an answer.
   
   — Carol

 * I cannot compliment the Point team enough for their accessibility, efficiency
   and expediency of the process in which my funding request was transacted,
   from start to finish. The entire process exceeded my expectations.
   
   — Ronald W. J.

 * Point made everything possible. If you have an opportunity to work with Point
   as a means of pulling cash out of your property, you would be well advised to
   do so. They are user friendly, helpful and very knowledgeable.
   
   — Jace Mattson

 * After thoroughly researching this type of product, we felt that it matched
   our needs perfectly! The fact that there aren't any monthly payments really
   helped. We were able to pay off our high-interest loans and improve our
   credit with money left over for retirement. I highly recommend this company!
   
   — Kerrie




POINT HAS HELPED OVER 5,000 HOMEOWNERS ACROSS THE UNITED STATES.


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




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


Hear more Point stories


POINT MAKES HOME WEALTH MORE VALUABLE FOR EVERYONE.


ACHIEVE YOUR FINANCIAL GOALS, WHETHER YOU'RE LOOKING TO TAP YOUR HOME EQUITY OR
PURCHASE YOUR FIRST HOME.


IF YOU OWN A HOME:

HOME EQUITY INVESTMENT (HEI) 1

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

HOME EQUITY LINE OF CREDIT (HELOC) 2

Fund major expenses with a flexible, affordable line of credit. Check out our
competitive rates and easy, online application.

Available in California

680+ credit score

Low interest rates

Get your rate


IF YOU'RE BUYING A HOME:

SEED DOWN PAYMENT INVESTMENT 3

Become a homeowner with as little as 5% down – and no PMI. When you enhance your
down payment with a SEED investment, you'll spend less on your mortgage every
month – and you may qualify for a better rate.

680+ 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 never added to the title. You can sell your home,
buy back your equity, or refinance anytime 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 IN THE PRESS

OUR INNOVATIVE SOLUTIONS HAVE BEEN FEATURED IN TOP PUBLICATIONS.

How Point helps homeowners unlock home equity wealth
Point, which is a fintech platform, gives financing to homeowners and
homebuyers. It has amassed over a billion dollars in new capital commitments
from leading real estate and also mortgage backed securities investors for home
equity investments.
Read More
Need cash? Now you can sell the equity in your home to investors
California-based Point is a ... fintech company specializing in home equity
contracts. It offers homeowners cash for a share of the home’s equity, that is,
the amount the home is worth beyond the value of the mortgage.
Read More

Read more press coverage

Excellent 4.6 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

Resources

How HEI Works HEI Pricing HEI FAQs
HELOC SEED Investment Point Blog

About Us

Our Team Careers Press

Partners

Investors Affiliates Testimonials

Contact Us

Email Us

Servicing: (650) 632-5040
Fax: (650) 434-3778
General Inquiries: (888) 764-6823
Mon - Thurs: 6am - 6pm PST
Fri: 6am - 4pm PST



1.

Point partners with and invests alongside the homeowner in the property. Subject
to underwriting approval, Point will pay you an investment payment for the
option to purchase a fractional interest in your home. Point charges a
processing fee between 3-5% and other third party paid closing costs such as
appraisal, escrow, and government fees. The maximum term is 30 years. Point will
place a lien on your home to secure performance of the option agreement. There
are no monthly payments or interest accrual. Homeowner’s repayment is based on
the future appraised value of the subject property at the time of exit.

2.

Based on Point's rates as of 3/31/2022. A home equity line of credit is secured
by your property and is available only for single-family residence, 2-4 unit
owner-occupied, and condominiums, excluding co-ops, in California. All loans
require a credit union membership. The Annual Percentage Rate (APR) can be as
low as 3.5% for the most qualified applicants and will be higher for other
applicants, depending on credit profile. For example, a borrower with a CLTV of
50% and a credit score of 800 would receive an APR of 3.5%. The APR is a
variable rate that is indexed to the Prime Rate as published in The Wall Street
Journal plus a margin. The margin is determined based on credit history, loan
amount, property usage, and combined loan-to-value (CLTV) ratio. The floor rate
is 3.5%, and the maximum APR is 18%. The variable rate will not increase more
than 2% annually. Your initial draw is required to be the lesser of your full
credit line or $50,000. No application, early termination, and annual fees.
Closing costs may vary based on the line amount, property location, title
insurance required, and appraisal fees. Property insurance is required as a
condition of the loan and flood insurance may be required if your property is
located in a flood zone.

3.

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 the option to purchase a fractional interest in the home. The home
buyer is required to put at least 5% 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% processing fee and
other third party paid closing costs such as appraisal, escrow, and government
fees. The maximum term is 30 years. Point will place a lien on your home to
secure performance of the option agreement. There are no monthly payments or
interest accrual. Home buyer's repayment is based on the future appraised value
of the subject property at the time of exit.

California DRE License #02012518 Other States

NMLS #1610752

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