How does Point calculate the share of appreciation?

Your share of appreciation is the percentage of your home’s future increase in value that you’ll share with Point. This percentage is locked in when you sign your HEI agreement.

When it’s time to repay, Point calculates how much your home has appreciated. Your repayment is based on that appreciation amount, multiplied by your HEI Percent.

Point determines your share based on key factors like your home’s location, value, and your financial profile—similar to how a bank sets an interest rate.

If your home has decreased in value below the Appreciation Starting Value, Point also shares in the downside.