Can I refinance my property in the future?

If you’re refinancing without repaying your HEI, Point may review the terms to make sure it meets certain conditions.

A rate/term refinance may not take more than $200 cash out of the home or materially increase your mortgage balance compared to when you signed your agreement.

Lenders may not be willing to refinance a mortgage without repaying Point. If you want to take additional equity out of your home (such as a cash-out refinance), you would generally need to repay Point first. If you decide to refinance, contact our servicing team at servicing@point.com or (650) 632-5040 for more information.