What if my home value drops?

Point will share in your loss if your home value falls below the Appreciation Starting Value—a risk-adjusted number that marks where Point begins sharing in your home’s appreciation or depreciation. In this case, you may repay less than the amount you originally received.

If your final home value is less than your original home value but greater than the Appreciation Starting Value, you would repay more than what you received, but less than if your home had appreciated.