Point Stock

Point is a pioneering financial technology company headquartered in Palo Alto, California. The company offers an innovative approach to home financing through its Home Equity Investment (HEI) product, which allows homeowners to access up to $500,000 of their home equity without the burden of monthly payments or stringent credit requirements. In exchange for a lump sum, Point takes a share in the future appreciation of the property, providing a unique alternative to traditional home equity loans or lines of credit. Point’s HEI is designed to empower homeowners by offering financial flexibility. The funds can be used for various purposes, such as debt consolidation, home improvements, or personal investments, without incurring new debt or impacting monthly cash flow. The repayment terms are also flexible, allowing homeowners up to 30 years to buy back their equity share. By focusing on financial inclusivity, Point has positioned itself as a partner to homeowners, particularly those who may not qualify for traditional financing due to credit or income challenges. The company’s mission is to make homeownership more valuable and accessible, helping homeowners achieve their financial goals by leveraging their most significant asset: their home.