Point vs EquityChoice: Which Home Equity Investment Wins?
Last updated 10/03/2025 by
Ante MazalinEdited by
Andrew LathamSummary:
If you’re a homeowner exploring ways to access your home equity without taking out a loan, you’ve likely come across home equity investments. Two key players in this space are Point and EquityChoice. Both provide cash upfront in exchange for a share of your home’s future appreciation. But which option is right for you?
This guide compares Point and EquityChoice side by side so you can make an informed decision.
Quick Comparison: Point vs EquityChoice
| Feature | Point | EquityChoice |
|---|---|---|
| Maximum Funding | $30,000 - $600,000 | $85,000 - $500,000 |
| Maximum Funding (%) | Up to 20% | 3% - 16% |
| Term Length | 30 years | 10 years |
| Origination Fees | N/A | 3% |
| Closing Costs (%) | 3% - 5% | |
| Monthly Payments | None | None |
| Maximum LTV | 73% | |
| Home Value | $140,000 - $4,500,000 | |
| Credit Requirements | 500 | 680 |
| Use Case | Equity Cash-Out | Equity Cash-Out |
| Share of Home Appreciation | 15% - 69% | |
| States Available | 26 states | 20 states |
| SuperMoney Rating | mostly recommended | rating not yet determined |
Point Overview
Point is one of the most established home equity investment companies, founded in 2015. Point offers broad availability and transparent terms compared to newer entrants.
How it works
Point provides upfront cash ranging from $30,000 - $600,000 in exchange for a share of your home’s appreciation. Repayment occurs when you sell your home or after 30 years.
EquityChoice Overview
EquityChoice positions itself around predictable costs and straightforward terms, appealing to homeowners who value clarity in repayment outcomes.
How it works
EquityChoice provides a lump-sum payment of $85,000 - $500,000 in exchange for a share of your home’s future appreciation. You settle the agreement at sale or after 10 years.
Point vs EquityChoice: Eligibility Requirements
Eligibility differs between these two providers. Here’s how they compare:
| Requirement | Point | EquityChoice |
|---|---|---|
| Credit Score | 500 | 680 |
| Maximum LTV | 73% | |
| Property Type | Primary home, Secondary homes, and vacation properties | Primary Home |
| Location | 26 states | 20 states |
Fees and Terms
Costs and repayment structures matter. Here’s how Point and EquityChoice compare:
| Criteria | Point | EquityChoice |
|---|---|---|
| Investment Range | $30,000 - $600,000 | $85,000 - $500,000 |
| Term Length | 30 years | 10 years |
| Repayment | Upon sale or end of term | Upon sale or end of term |
| Origination Fees | N/A | 3% |
| Closing Costs (%) | 3% - 5% | |
| Monthly Payments | None | None |
Which One Is Right for You?
Choosing between Point and EquityChoice depends on your credit profile, property type, and location.
Point is best for:
- Homeowners in widely covered states ()
- Those with good credit (500)
- People seeking an established provider with a long track record
EquityChoice is best for:
- Homeowners who value predictable costs and clarity
- Those who meet specific eligibility criteria (680 and )
- Borrowers whose properties fall within EquityChoice’s supported profile
What Users Are Saying
Point holds a mostly recommended SuperMoney rating, with users appreciating its professionalism and availability.
EquityChoice earns a rating not yet determined rating, with customers noting its straightforward terms.
EquityChoice earns a rating not yet determined rating, with customers noting its straightforward terms.
Next Steps
Choosing between Point and EquityChoice depends on your goals, timeline, and eligibility. If you’re still weighing your options, explore detailed reviews and more comparisons to find the best fit.
Explore our shared equity resources:
- Read the main Home Equity Investment guide
Point
Point offers wide state availability and established credibility.
EquityChoice
EquityChoice focuses on predictability and clear terms.
Compare More Providers
Looking for additional options before making your decision? Here are more side-by-side guides:
- Unison vs Point – Two leading HEI providers compared.
- Hometap vs Point – Term length and fees, side-by-side.
- Unlock vs Point – Eligibility and buyback options.
- Hometap vs Unlock – Investment amounts & availability.
- Splitero vs Point – Which fits your timeline?
Key Takeaways
- Both Point and EquityChoice offer cash with no monthly payments in exchange for future appreciation.
- Point: broad availability and established track record.
- EquityChoice: emphasizes predictability in costs and terms.
- Confirm state availability, fees, and property eligibility before applying.
FAQ
How do Point and EquityChoice differ in repayment terms?
Both require repayment upon home sale or at the end of the contract. Point’s term is 30 years, while EquityChoice’s is 10 years.
Can I qualify with lower credit?
Eligibility varies. Point often looks for stronger credit (500), while EquityChoice’s criteria are 680.
Do either allow secondary or investment properties?
Property eligibility differs by provider. Point typically focuses on primary residences; check for EquityChoice’s allowances.
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