What is a Home Equity Investment?

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

With our HEI:

• You make no monthly payments

• You can repay at any time up to 30 years, in one lump sum (Unless you have an existing agreement that specifies a 10-year term)

• People typically repay through the sale of their home, HELOC, cash-out refinance, or the use of personal funds

• You choose when to repay—there are no prepayment penalties!

• Your repayment amount is based on your home’s increase in value at that time—keep in mind that the Homeowner Protection Cap limits what you owe if your home appreciates significantly