Point.com HELOC

You may benefit from Point’s home equity investment if you're a homeowner seeking access to capital without taking out a loan or making monthly payments. Unlike a traditional HELOC or second mortgage, Point’s program allows you to sell a portion of your home’s future value in exchange for cash today.

Point’s process involves no income requirements or monthly obligations. Instead, repayment is due when you sell your home or after a 30-year term. The company shares in your home’s appreciation—or depreciation—at the time of settlement, making it a flexible option for those with equity but limited cash flow.