Last Updated: 12/19/2025
Point's Home Equity Investment (HEI)
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Last Updated: 12/19/2025
SuperMoney User Recommendation Score +35
Mostly recommended81 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 loan, the maximum loan-to-value ratio is 73%. This means the total of the investment 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 interest or require monthly payments. Instead, the investor earns a return based on the future value of your home.
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.
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9:00AM - 5:00PM
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9:00AM - 5:00PM
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9:00AM - 5:00PM
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