Get up to $500k from
your home equity.

No monthly payments.
No income requirements.
No need for perfect credit.

Point has a 4.5 rating with over 850 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

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

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

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

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.

Tech Crunch
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.
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.
The Wall Street Journal
Financial Times
The Washington Post
The Atlantic