Is Point's Home Equity Investment (HEI) the right fit for you?
Last Updated: 04/20/2026
Point's Home Equity Investment (HEI)
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Last Updated: 04/20/2026
SuperMoney User Recommendation Score +36
Mostly recommended83 total votes
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Highlights
Community Rating
Mostly recommended
Credit Score Range
Starting at 500
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Funding Range $
$30,000 - $600,000
Funding Range %
Up to 20%
Contract Term
30
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Number of Reviews
Point's Home Equity Investment (HEI) Review
Point's Home Equity Investment (HEI) is offered by Point Digital Finance, Inc. (NMLS #1610752), a financial services company founded in 2015 and based in Palo Alto, CA. Point's HEI are available in 25 states and Washington, DC.
Key Takeaways
- Poor credit accepted. Homeowners with a credit score as low as 500 can qualify with Point's Home Equity Investment (HEI).
- No monthly payments. Because Point’s HEI is equity financing for homeowners, there are no monthly payments. Instead, HEIs are repaid in a single payment at any time before the end of the term. Repayment is based on your home appreciation.
- No income requirements. Income and DTI are not considered during the Home Equity Investment application process. This makes an HEI ideal for self-employed entrepreneurs, retirees on a fixed income, and homeowners experiencing periods of unemployment or financial shortfalls.
- Capped repayment amount. You want your home to appreciate – and so do we. However, in the event that your home appreciates a lot, Point’s share is capped based on an annual rate, compounded monthly.
- Transparent offers. It takes under 60 seconds to complete a no-obligation prequalification and see a personalized offer, including multiple home appreciation scenarios. All Point homeowners can book a time with a home equity specialist to review their pricing and answer all their questions.
- Property value range. Point's HEI considers properties with values ranging from $140,000 to $4,500,000.
- Large investments available. Point's Home Equity Investment (HEI) will invest up to $600,000 in a home, which is more than what most shared equity companies offer.
- Long contract terms. Point's Home Equity Investment (HEI) offers contract terms of up to 30 years, which provides homeowners with plenty of flexibility.
- Home improvement credit. Point Digital Finance, Inc. recognizes money you invest in eligible home improvements and adjusts the ending value so it doesn’t take a share of the value you added.
- Share of home appreciation. When the contract ends, the buyback cost will be the original investment plus a share of the home's increase in value.
- Cash-out only. Existing homeowners can access up to 20% of their property's value.
- Only available in select states. Point's Home Equity Investment (HEI) is currently available in a limited number of states.
Point's Home Equity Investment (HEI) Pros & Cons
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Point's Home Equity Investment (HEI) FAQ
How does the Point's Home Equity Investment (HEI) product work?
A shared equity agreement (also called a shared appreciation agreement or home equity contract) is a way to sell a portion of the equity in your home to an investment company.
As a home equity loan alternative, the Point's Home Equity Investment (HEI) product allows you to tap into your home equity without the monthly payments associated with traditional loans or HELOCs.
The transaction is secured by a lien on your property, but instead of paying interest or monthly payments, the investor receives a share of your home’s value when the agreement ends.
How much will Point Digital Finance, Inc. invest?
Point Digital Finance, Inc. offers equity investments of up to 20% of a property's value. The maximum investment in a single home is $600,000.
While Point's Home Equity Investment (HEI) is not a traditional loan, the maximum lien-to-value ratio is 73%. This means the total of the investment return plus any existing mortgage balance cannot exceed that percentage of the property’s value.
| Term | Amount |
| Investment Amount | $30,000 – $600,000 |
What are the costs associated with Point's Home Equity Investment (HEI)?
Shared equity investments do not charge an interest rate or require monthly payments. Instead, the investor earns a return based on the future value of your home. However, most investors will charge and appraisal fee and other third-party closing costs.
In some cases, the return is based on a percentage of the home’s appreciation or depreciation over the term.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Closing Costs (%) | 3% - 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Share of Home Appreciation | 15% - 69% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the terms for a shared equity agreement?
You can use the funds for up to 30 years.
When the term ends, you must settle the agreement by returning the investment, selling the home, refinancing, or partnering with the investor for another term.
Settlement is based on the original investment plus or minus the investor’s share of the home’s change in value.
How long does it take to close?
Funding typically occurs within 45 days.
What types of property are eligible?
Intended Use- Primary home
- Secondary home
- Single-family home
- Condominium
- Townhome
Is Point a legit company?
Point was founded in 2015, it is a well-established company that has been in business for 11 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
Point's Home Equity Investment (HEI) Disclosure: A home equity investment (HEI) is not regulated as loan in all states. Point’s HEI product is offered as a licensed mortgage product in Colorado, Connecticut, Georgia, Illinois, Maryland, and North Carolina. HEIs offered in other states are not currently required to be licensed. Because a lien will be placed on your home, you could be required to sell your home to satisfy repayment obligations. Always review the full terms and consult a financial advisor.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Point's HEI
Contact
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM
Other Services by Point Digital Finance, Inc.
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +36, or 3.7 on a 5-point rating scale.
+36
-1000+100
No one recommends
Everyone recommends
Point's Home Equity Investment (HEI) Community Reviews
Would you recommend Point's Home Equity Investment (HEI) to your friends?
KG
Ken G.
Apr 20, 2026
May or may not recommend
Incredibly professional team and transparent process. Accessible via multiple channels at every step along the way and highly responsive. Definitely recommend!
JA
Jose A.
Apr 19, 2026
May or may not recommend
Everyone at point was very professional and courteous, from the start of the process all of my questions were answered to my satisfaction. The process was very straightforward to follow. This type of loan may not be a perfect fit for everyone. I highly recommend for anyone who might be interested in applying for a loan through point, to write down any and all question s before talking to a ...Show More
MW
Mochael W.
Mar 17, 2026
May or may not recommend
Altogether a very professional and transparent process. Everyone at Point was knowledgeable, helpful and honest!
EY
Eileen Y.
Mar 17, 2026
May or may not recommend
Super fast funding. Knowledgeable staff. Haley was always available if I had a question.
LC
Lisa C.
Mar 2, 2026
May or may not recommend
HEI is not for everyone, but it suited what I wanted. The Point team explained everything really well, in emails, phone calls and videos. The process was efficient and smooth, and they were responsive to everything I asked of them. Do your research, but if you decide on an HEI, Point was good to work with.
JA
Jimi A.
Feb 25, 2026
May or may not recommend
I had a great experience with Point. If you are a responsible person in need of cash, and other options do not work due to unfortunate circumstances, they can step in and provide relief. I had a positive experience with Courtney S. as we navigated the closing process. This has brought needed relief as I can focus on tackling other tough tasks in my life that will come to a ...Show More
PJ
Pauline J.
Feb 16, 2026
May or may not recommend
Very efficient with great visibility of the process. Simple submittal of documentation and assigned human point of contact quick to reply. Amazing product for those with lots of equity but can't or don't want to make monthly payments.
AL
Amy L.
Feb 10, 2026
May or may not recommend
Going on 5 months of this process, now having to repeat most of the steps because they have “expired”. Little to no communication throughout. I highly doubt this will ever close, which is ok as I’m not desperate for the money, but it’s been very frustrating.
AS
Amanda S.
Jan 29, 2026
May or may not recommend
Point Home Investment Loans helped me access cash from my own home when traditional options weren’t available due to credit challenges. More importantly, they came through during an extremely difficult, high-conflict divorce when timing and stability mattered most. The process was clear, respectful, and handled with care. I’m genuinely grateful for the support when I needed it most.
DC
Denise C.
Jan 15, 2026
May or may not recommend
They were very thorough with how the process works to make sure I understood 100%. They answered all my questions and responded very quickly. This was life changing for me I was able to pay off all my bills and am looking forward to retirement.
SM
Sofie M.
Jan 7, 2026
May or may not recommend
MY VERY OWN EXPERIENCED INSIGHTS BELOW:
TO THE POINT, STARTING FROM CUSTOMER SERVICE, THOSE LADIES WERE FRIENDLY, KNOWLEGEABLE ABOUT THEIR HEI PRODDUCT DESPITE BEING A YOUNG COMPANY ; POSSESED EXCELLENT WELCOMING ATTITUDE TO EVEN WHEN I CALLED UP INITIALLY FOR INQUIRY; INTRODUCED / DIRECTED ME TO A SO-CALLED ACCOUNT MANAGER FOR MORE INFORMATION ON DETAILS ABOUT: HOW, WHAT, WHERE, WHEN, REGARDING THE APPLICATION PROCESS, ALL YOU NEED TO DO IS ...Show More
Steven H.
Dec 17, 2025
May or may not recommend
I personally found about HEI products by chance during a search of the internet. I honestly couldn't believe there would be no monthly payments for a loan that pays me now for some of the equity in my home. It sounded too good to be true, right? That's what I thought too. So, I forgot about it for a few months and checked into other more traditional home equity loans ...Show More
VC
Veronica C.
Dec 7, 2025
May or may not recommend
Based in Southern California things don't get done a lot here, but Point delivered all I've spoken with from customer service to my underwriter ALL were kind, polite & professional they didn't give me any BS. I loved that
JH
Jerry H.
Dec 6, 2025
May or may not recommend
Very professional, great communication, good program and process. Highly recommend
JD
Jean david P.
Dec 2, 2025
May or may not recommend
The process was easy, simple and smooth. Everything was easy to understand. The agents responded quickly to emails. Nothing but great things to say about my experience with POINT.
RP
Roslyn P.
Dec 2, 2025
May or may not recommend
Months of miscommunication, no communication, bad communication. The left foot didn't know what the right foot was doing. Also, the percentage (54.3%) seemed predatorial.
U
Anonymous
Dec 1, 2025
May or may not recommend
Efficient, professional staff, customer oriented.Guided service every step of the way.
MS
Mike S.
Nov 14, 2025
May or may not recommend
Onboarding was very efficient and user friendly. Our account rep was accessible and knowledgeable. Very professional from beginning to the closing.
U
Anonymous
Nov 4, 2025
May or may not recommend
It's a new product in mortgage lending that many will choose instead of a reverse mortgage. It has no interest rate or payment component and is a 30 year product with cash out availability. Will benefit many but not all, depending on circumstances and goals of the consumer/customer.
NO
Natacha O.
Oct 31, 2025
May or may not recommend
My experience with point was fantastic and I also learned a lot and the people there was very supportive and knowledgeable so I am very happy that I made the right decision.
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