What is the agreement I sign with Point?

The agreement you sign is called a real estate option agreement. It’s a binding legal contract between you and Point that gives Point the option—not the obligation—to share in your home’s future change in value.

In plain terms, you're agreeing to receive a lump sum of cash now, and in exchange, Point will be entitled to a portion of your home’s appreciation when you sell, refinance, or reach the end of the 30-year term.

This agreement:

• Is recorded against your property (though you remain the owner).
• Does not create monthly payments.
• Outlines your and Point’s rights and responsibilities for the life of the investment.

The terms of this agreement are finalized during closing and remain in place until you exit the HEI.