How do I exit my contract and pay off Point?

You can pay off your HEI at any time by contacting Point.

Step 1: Email us at servicing@point.com with this information:

• A request to pay off your HEI.

• How you plan to repay (home sale, refinance, or personal funds).

• If you're selling your home, attach the sales contract or other transaction-related appraisal.

• If a third party is involved, include a signed authorization.

Step 2: Review your payoff statement

We’ll review the valuation to see if it meets our criteria. If it doesn't, we'll order an appraisal to determine the final value of your home.

Once we have a valid appriasal, we'll send you a payoff statement that includes:

• Your total payoff amount.

• Applicable third-party fees including, but not limited to, a reconveyance fee, recording fee, and appraisal fee.

• Any costs we’ve paid on your behalf such as taxes or insurance.

Step 3: Complete payment

Once we receive the lump sum in your payoff statement, we'll generate a lien release. It may take 60–90 days for the lien to be removed from your title, depending on your county.

We aim to make the payoff process as straightforward and transparent as possible. If you’re ready to get started or have questions, email servicing@point.com or call us at (650) 632-5040.