An investment, not a loan
Point invests in your home, giving you cash today. There are no monthly payments, ever. Instead, you repay when it makes sense for you, up to 30 years later. That means you can use the money how you want, without disrupting your life.
Better than a reverse mortgage
You decide when you want to repay the investment - when you are feeling flush, refinancing or selling your home. Unlike a reverse mortgage, there is no age requirement or lump sum penalty and is completely assumable; meaning you and your heirs retain ownership of your home at the end of the agreement.
Charlie from San Mateo
“
Point literally changed my life. By partnering with Point, I was able to eliminate my high interest credit cards while actually saving money each month toward my family’s future. The process is very straightforward and simple…this really is a ‘no brainer’.
Raju from Novato
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Point was so easy to work with. It was a big weight off my shoulders and a breath of fresh air. It was a great experience. They really came through.
Rameil from Burbank
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I like being self-employed, but loan options tend to be very frustrating because the banks require a lot to qualify. You have all this equity in your house, but maybe you don’t have a good credit score or your debt-to-income is too high. In my case, with Point, I was able to put myself in a position of financial freedom.
Point's payment to you is an investment in your home, not a loan. There are no monthly payments, just a single payment when you decide to end the agreement, up to 30 years later.
The team at Point looks at several factors when we decide to invest. You have to be a homeowner in one of our service states. There is no income requirement, and there is a 500 credit score minimum. If you are interested, prequalifying is extremely fast and easy and won't affect your credit score.
The money is yours to do what you want. We recommend paying of expensive debt and getting your payments up to date. But, maybe you want to start a business or pay for school. It's up to you!
Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an investment payment for the option to purchase a fractional interest in your home. Point charges a processing fee between 3%-5% of your Option Investment Payment, appraisal fee (typically between $500-$700), title escrow fee (typically between $450-$650), and other taxes and government fees that may be charged by your county and/or state. All fees other than the processing fee are paid to third parties and will be based on the actual cost of the services. The maximum term is 30 years. Point will place a lien on your home to secure performance of the option agreement.
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