Are there really no monthly payments with a Home Equity Investment?

Yes—there are no monthly payments with a Home Equity Investment from Point. That’s one of the biggest benefits: you can access cash from your home while keeping your monthly expenses unchanged.

You’re not required to repay until you sell your home, get a cash-out refinance, or reach the end of the 30-year term—whichever comes first. That means you might not need to repay anything for up to 30 years.

Repayment happens in one lump sum, and there are no prepayment penalties if you choose to pay back early. Most homeowners repay through:

• Selling their home
• Refinancing (like a HELOC or cash-out refi)
• Another source of funds

This flexibility makes the HEI a great option for homeowners looking to improve cash flow without the pressure of monthly payments.