See how much you could get from an HEI

Learn if Point's Home Equity Investment is the right choice for you.

Risk-Adjusted Home Value

$425,000

Because Point shares in downside, Point applies a Risk Adjustment of 20% to 25% to offset small declines in home value and protect its initial investment.

Point Invests Today

$100,000

This estimate is for illustrative purposes only and assumes a well-qualified homeowner with substantial equity.

How much could Point cost?

Average Appreciation
Future Home Value

$1,216,700

Homeowner Share

$1,037,500

Point Share

$179,200

Equivalent APR†: 12.6% (Capped)

In this scenario, the amount you’ll pay Point is capped, so you keep more of the upside.

No Change
Future Home Value

$1,000,000

Homeowner Share

$875,000

Point Share

$125,000

Equivalent APR†: 5.3% (Capped)

In this scenario, the amount you’ll pay Point is capped, so you keep more of the upside.

Large Decline
Future Home Value

$750,000

Homeowner Share

$687,500

Point Share

$62,500

Equivalent APR†: -8.5% (Capped)

In this scenario, you’ll repay Point less than Point paid you because we share in losses.

In this scenario, the amount you’ll pay Point is capped, so you keep more of the upside.

High Appreciation
Future Home Value

$1,338,200

Homeowner Share

$1,128,700

Point Share

$209,600

Equivalent APR†: 15.7% (Capped)

In this scenario, the amount you’ll repay Point is capped, so you keep more of the upside.

Point is your home equity partner.

We don’t choose customers — we choose partners. A team member will answer your questions and bring you on board.

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Key Takeaways


What if my home loses value?

If your home depreciates below the Risk-Adjusted Home Value, we share in the downside. The Risk Adjustment reduces exposure to short-term price volatility and makes it possible to offer Point without any early prepayment penalties.

What’s the most I’ll repay Point?

Point is designed to be fair and equitable. If the home appreciates above the Risk-Adjusted Home Value, we share in the upside but only up to a reasonable, pre-determined cap.

Are there monthly payments?

No, a Home Equity Investment doesn’t come with a monthly payment. Instead, you pay back in one lump sum within the term, typically through a cash-out refinance, home sale, or other source of funds. We’re invested in the property with you, so we do well when you do well.

When do I repay Point?

You can buy back Point’s share at any time prior to the end of the 30-year term. The amount you must pay to buy back Point’s share will be calculated using the property’s value at the time.

Does Point share ownership of my home?

Point is not added to the title of the property. You continue to own and live in the property and you decide when to sell your house. You stay in control.

What terms will Point offer me?

These terms may not be representative of what you are offered. To determine your offer, our team will consider your equity cushion, DTI, credit score, and your market’s expectations, amongst many other factors.

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† Assumes appraisal cost of $550 and an escrow fee of $500. The appraisal and escrow costs may vary depending on the size, complexity, and location of the property. These costs are due to third parties. Also assumes a processing fee of the greater of 3% or $1,000. Point deducts a processing fee of 3% to 5% from Point’s investment payment to you depending on the complexity of your situation.