How does Point calculate the share of appreciation?

Your offer will include your HEI percentage—that's 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. We determine the HEI percentage based on key factors like your home’s value, your equity, and your financial profile.

When it’s time to repay, we calculate how much your home has appreciated from the Appreciation Starting Value, multiplied by your HEI percentage. The Appreciation Starting Value is a starting point that is lower than the appraised value of your home. It's the value from which Point shares in any loss in value, protecting you from overpaying if your home decreases in value significantly.

If your home increases in value significantly from the Appreciation Starting Value, you're also protected from overpaying by our Homeowner Protection Cap. Our goal is to unlock your home's equity while ensuring you maintain a meaningful share of your home's future value.