How is Point's share of appreciation program different from programs that use share of value?

The difference comes down to what part of your home’s value the company takes a cut from.

Point’s model takes a share only of your home’s appreciation—the amount your home increases in value. Share of value programs take a percentage of your home’s total future value, including the portion you already owned.

Let's look at an example. If your home is worth $1,000,000 when it’s time to repay:

• A share of value program might take 10% of the full value—$100,000.
• Point, using a share of appreciation model, might take 30%—but only of the increase in value.So if your home appreciated by $200,000, Point’s share would be $60,000.

That means:

• The percentage might look higher with Point
• But it applies to a smaller base—just the appreciation—not your entire home value.

The result? You may keep more of your home’s core value.