Point home equity investment review: cash now, a share of your home's value later
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Our take
Point's home equity investment (HEI) isn't a loan. Point gives you a lump sum now in exchange for its money back plus a share of your home's future appreciation, settled when you sell, refinance or buy it out, within 30 years. There are no monthly payments.
May fit you if
- Homeowners with plenty of equity who can't take on a monthly payment
- People whose income or credit makes a HELOC hard to qualify for (no income requirement; 500 minimum score)
Look elsewhere if
- You expect your home to rise a lot in value and plan to stay many years (Point's share grows with appreciation)
- You could qualify for a HELOC or home equity loan, which may cost less over time
We don't give star ratings yet. We'll publish our rating method first.
Key facts
Point Digital Finance, Inc. · NMLS #1610752 · Look up licensing
- Product
- Home equity investment: a lump sum for a share of the home's future appreciation; Point also offers a separate HELOC Source
- Term
- 30 years; can be settled at any time with no prepayment penalty Source
- Monthly payments
- None; no income requirement Source
- Amount
- Point's pages list up to $500,000 in one place and up to $600,000 in another, based on your equity Source
- Eligibility
- 500 minimum credit score; keep usually 29% or more of your equity; home worth at least $155,000 Source
- Property
- Single-family, condo, townhome or 1-4 unit; not manufactured or mobile homes; lot 10 acres or less Source
- Cost cap
- A Homeowner Protection Cap limits what you owe, at a fixed annual rate compounded monthly (rate not published) Source
How it works
Point sets an appreciation starting value below your appraised value. When the agreement ends, you repay the original amount plus Point's agreed share of any appreciation above that starting value.
You settle with one payment, usually by selling the home, refinancing, taking a HELOC or using savings, any time within 30 years.
If your home loses value below the starting value, Point shares in the loss, so you could repay less than you received, though Point says this isn't typical.
Costs and fees
- Processing fee
- Up to 3.9% ($2,000 minimum), plus third-party costs such as appraisal, escrow and government fees, deducted from your funds Source
We don't list rates because they change daily. Your rate and costs depend on your credit, home value, location and the amount you borrow.
What Point says
These are the company's own claims. We haven't verified them.
- Speed
- Prequalify in 60 seconds; "motivated homeowners can close in as little as 3 weeks" Source
Things to check before you apply
- Ask Point for a written example showing what you'd owe if your home rises 3% or 5% a year, and the cap rate that applies to you.
- The settlement comes due in one lump sum. Plan now for how you or your heirs would pay it.
- Point takes a lien on your home and must be in at least third lien position.
Sources and method
- Point: How it works
- Point: How the HEI works
- Point Help: Eligibility requirements
- Point Help: Homeowner Protection Cap
- Point: Licenses
Every fact on this page comes from Point's own published pages, checked on October 19, 2026. Terms change, so confirm them with the company. Licensing can be checked on NMLS Consumer Access. Spot an error? Tell us. See our editorial standards.