Point's Home Equity Investment gives you a lump sum today in exchange for a share of your home's future value — with credit scores as low as 500 considered.
PickYourBank Rating
9.0
Overall
9.3
Rate
9.6
Fees
9.0
App
9.1
Service
$500K
Up to
$0
Monthly payments
500+
Min credit score
30 yrs
Max term
Point pioneered the Home Equity Investment (HEI) — an alternative to HELOCs and home equity loans that involves no monthly payments and no interest.
It's a popular option for self-employed homeowners, those with bumpy credit, or anyone who doesn't want a new monthly payment.
Founded
—
HQ
U.S.
Charter
FDIC-insured
Reach
Nationwide
Tap home equity
Access cash without refinancing your primary mortgage
Fast funding
From application to funded in days, not months
No hidden fees
Transparent pricing — see every fee upfront
Flexible options
HELOC, HELoan or shared-equity — pick what fits
Here's what Point offers and who each product is best for.
Cash today for a share of future equity.
Up to $500K · No monthly payments · 30-year term
Quick prequalification with a soft credit pull — no impact on your score.
Verify income, property and equity. Most apps take 10–15 minutes.
An automated or in-home appraisal confirms your property value.
E-sign closing docs and receive funds in days, not weeks.
Yes. Point is a licensed lender (or licensed marketplace) operating in the United States, subject to federal and state lending regulations.
No. Prequalification uses a soft credit pull that does not affect your score. A hard pull only happens if you proceed with a full application.
Most borrowers see funds within 5–14 days of approval, depending on the product (HELOC, HELoan, or shared-equity agreement) and your state.
Anything — debt consolidation, home renovations, college tuition, or a major purchase. There are typically no restrictions on how you use the proceeds.
Most products have closing costs (origination, appraisal, recording). The exact fee schedule is disclosed upfront before you sign anything.
If a HELOC isn't an option, Point's HEI gives you a way to tap equity without a new monthly payment — even with lower credit.
Advertiser disclosure: PickYourBank.com may receive compensation when you open an account through our links. This never influences our ratings or recommendations.
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