What is a Home Equity Investment (HEI)?

A Home Equity Investment (HEI) is a way to access your home equity without taking out a loan. Instead of monthly payments or interest, you receive a lump sum of cash upfront in exchange for a share of your home’s future change in value.

With Point’s HEI:

You don’t make monthly payments.
You typically repay Point when you sell your home, get a cash-out refinance, or reach the end of the 30-year term.
Your repayment amount is based on your home’s value at that time, but may be reduced due to the Homeowner Protection Cap, which limits what you owe if your home appreciates significantly.