What if my home decreases in value?

Our HEI is structured to maintain your equity in the home while sharing in the appreciation.

If your home value falls below the Appreciation Starting Value—a risk-adjusted number that marks where Point begins sharing in your home’s appreciation or depreciation—we take a smaller share and you may repay less than the amount you originally received.

You can see payoff scenarios, including depreciation, at https://point.com/hei/how-hei-works or using the cost estimator if you already have an offer.