At a glance
| What they call it | Home Equity Investment (HEI) |
|---|---|
| How you repay | Share of your home's gain, measured from a starting value set below your appraisal |
| Cash available | $30K to $600K |
| Max share of home value | Not published |
| Equity you must keep | Not published |
| Fee | Up to 3.9% (minimum $2,000) |
| Cost cap | 18% a year |
| Term | Up to 30 years |
| Minimum credit score | 500 |
| Shares losses if value falls | Yes, below the starting value |
How Point's agreement works
You receive a lump sum and later repay the original investment plus Point's share of your home's gain.
Point measures that gain from an "appreciation starting value" set below your appraisal, 27% below in Point's published examples. Because the starting line sits under your home's real value, Point shares in some value even if your home never rises.
Point sets its share per offer. In its published example, a 10% investment carried a 24% share of the gain, which we model as 2.4 times the percentage invested.
A Homeowner Protection Cap limits Point's annual return (we model it at 18% a year), which matters most if your home appreciates quickly or you settle early. If your home falls below the starting value, Point shares the loss.
What Point costs
Effective annual cost for $100,000 against a $750,000 home with a $300,000 mortgage. Rows are yearly home appreciation; columns are when you settle.
| Growth | 3 years | 5 years | 7 years | 10 years |
|---|---|---|---|---|
| 0% a year | 20.2% | 11.7% | 8.3% | 5.7% |
| 2% a year | 20.2% | 14.9% | 11.3% | 8.7% |
| 4% a year | 20.2% | 18.0% | 14.3% | 11.5% |
| 6% a year | 20.2% | 19.3% | 17.1% | 14.1% |
| 8% a year | 20.2% | 19.3% | 18.9% | 16.7% |
Example: at 4% growth over 7 years you would net $94,600 after fees and settle for $240,624, an effective cost of 14.3% a year. Open this example in the calculator.
Pros and cons
Pros
- Up to 30 years before you have to settle
- Accepts credit scores from 500
- A cost cap limits what you pay in a hot market or an early settlement
- Shares losses below the starting value
Cons
- The discounted starting value means real cost even with no appreciation
- Processing fee up to 3.9%, with a $2,000 minimum
- The share is set per offer, so you need a quote to know your exact cost
Who Point fits
Worth a look if: You want a long runway before settling and expect moderate appreciation.
Look elsewhere if: Your home is unlikely to appreciate. Point's discounted starting value still costs you in a flat market.
Compare Point
Point vs Hometap
Point is cheaper below about 3.6% annual growth, Hometap between 3.6% and 8.5%, and Point again above 8.5%, where its cost cap takes over (settling after 7 years).
Compare →Point vs Unlock
Point is cheaper at every growth rate we tested (-3% to 10% a year) over 7 years.
Compare →Point vs Unison
Unison is cheaper below about 3.6% annual growth; Point is cheaper above it (settling after 7 years).
Compare →Sources
Point: how the HEI works · Point: worked example · LendEDU: provider comparison
Terms verified September 23, 2026. Full terms and sources for every provider: HEI Calculator provider terms.
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