Home equity investment review
Point Review 2026
Best for the widest availability and a low upfront fee
WalletGrower rating
The bottom line
Yes, Point is a legitimate, long-running home equity investment company, and it is the easiest of the five major providers to qualify for by location (30 states plus D.C.). It charges up to 3.9% (min $2,000), funds up to $600,000 (max 20% of home value) over a 30-year term and accepts a 500 credit score. The catch is cost visibility: Point has a Homeowner Protection Cap but does not publish its rate, and it measures your appreciation from a starting value set below today's appraisal. Get Point's estimate and ask for both numbers in writing.
- Best for: Homeowners outside Splitero's and Hometap's states (30 states plus D.C.)
- Watch out for: An unpublished cost cap and an appreciation starting value below your appraisal
- Lowest published worst case instead: Splitero (17.99% cap) or Hometap (18.5% cap)
Jump to: what it costs · requirements · is it legit · complaints · compare
See what Point would offer on your home
Estimates are free and Point funds up to $600,000 (max 20% of home value) with no monthly payment. Compare the settlement math before you sign.
Get a Point estimateVerified by the WalletGrower Editorial Team — current as of September 27, 2026. Rates, fees, and offers can change between our update cycles; confirm on the provider's site before applying.
Point at a glance
| WalletGrower rating | 4.4 / 5 |
|---|---|
| How you repay | Original amount plus share of change in value |
| Upfront fee | Up to 3.9% (min $2,000) |
| Published cost cap | Not published |
| Amount | Up to $600,000 (max 20% of home value) |
| Term | 30 years |
| Minimum credit score | 500 |
| Equity | Keep about 27% after funding |
| Minimum home value | $155,000 |
| States | 30 + D.C. |
| Time to fund | Point does not publish a standard funding timeline. |
| Monthly payments | None |
How Point works and what it costs
What you repay. You repay the original investment plus a predetermined percentage of your home's appreciation, measured from an "appreciation starting value" that Point sets below the appraised value. The percentage and the starting value are set in your offer; Point does not publish standard figures.
If your home loses value. If the home falls below the appreciation starting value, Point shares in the loss, so you could repay less than you received.
Settling early. Settle any time in the 30-year term with one lump-sum payment, typically through a sale, refinance or savings.
Upfront cost. Up to 3.9% (min $2,000), deducted from your proceeds, plus third-party appraisal, title and escrow costs. Cost cap: Point does not publish one, so you cannot see the worst case before you sign. Ask for it in writing.
Point requirements
- Credit score: 500 minimum.
- Equity: Keep about 27% after funding.
- Home value: at least $155,000.
- Property: Single-family homes, condos, townhomes and 1 to 4 unit residences worth at least $155,000. Manufactured and mobile homes, co-ops, commercial property and property held in an LLC are not eligible.
- Income: Point's eligibility page lists no income minimum; it prices partly on credit score.
- Where: Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington and Wisconsin, plus Washington, D.C. Point serves "select regions" and availability can vary by county.
Is Point legit?
Point is legitimate. Point Digital Finance has operated since 2014 according to the BBB, holds an A+ rating there and has been accredited since 2015. It also logged the most BBB complaints of the five providers we cover over the last three years, which partly reflects its size: it also has the most BBB reviews, averaging 4.58 out of 5. It is a real contract recorded against your home, not a scam, but it is an expensive one if your home appreciates strongly.
How Point makes money
Point charges an upfront fee at closing and earns its return when you settle. You repay the original investment plus a predetermined percentage of your home's appreciation, measured from an "appreciation starting value" that Point sets below the appraised value. The percentage and the starting value are set in your offer; Point does not publish standard figures.
SourcePoint complaints and reviews: the public record
| BBB rating | A+ |
| BBB accredited | Yes, since October 13, 2015 |
| Business started (per BBB) | August 11, 2014 |
| Complaints, last 3 years | 30 |
| Complaints closed, last 12 months | 12 |
| BBB customer reviews | 4.58 out of 5 across 215 reviews |
Read on the Better Business Bureau profile on September 27, 2026. BBB counts move weekly; the live profile is authoritative. A BBB grade reflects how a company answers complaints, not the price of its product.
Point pros and cons
Pros
- Widest footprint of the five: 30 states plus D.C.
- Upfront fee of up to 3.9% (min $2,000), tied with Unison for the lowest
- 30-year term, matched only by Splitero and Unison
- 500 minimum credit score
- Shares in a decline below the appreciation starting value, so you can repay less than you received
- Up to $600,000 (max 20% of home value)
Cons
- Homeowner Protection Cap exists, but Point does not publish its rate
- Appreciation is measured from a starting value set below today's appraisal
- Property held in an LLC, manufactured and mobile homes are not eligible
- Maximum offer is generally a smaller share of home value than Splitero or Hometap
- Most BBB complaints of the five providers over three years (30)
Point vs Splitero, Hometap, Unlock and Unison
| Splitero | Hometap | Point | Unlock | Unison | |
|---|---|---|---|---|---|
| How you repay | Share of future home value | Share of future home value | Original amount plus share of change in value | Share of future home value | Original amount plus share of change in value |
| Upfront fee | 4.99% (min $1,500) | 4.5%, capped at $20,000 | Up to 3.9% (min $2,000) | 4.9% | 3.9% |
| Published cost cap | 17.99% a year, compounded monthly | 18.5% a year, compounded monthly | Not published | Not published | Not published |
| Amount | $50,000 to $600,000 (max 25% of home value) | $15,000 to $600,000 (max 27% of home value) | Up to $600,000 (max 20% of home value) | Up to $500,000 | $30,000 to $500,000 (max 15% of home value) |
| Term | 10 to 30 years | 10 years | 30 years | 10 years | 30 years |
| Min. credit score | 500 | 585 | 500 | 500 | 620 |
| Equity | More than 25% | 25% minimum | Keep about 27% after funding | 30% minimum | Set by credit tier |
| States | 17 | 26 | 30 + D.C. | 26 | 22 + D.C. |
Every figure read at the provider's own site. Fees are charged on the investment amount at closing; third-party closing costs are extra.
Is Point right for you?
If you live in a state Splitero and Hometap don't serve
Point
30 states plus D.C. vs Splitero's 17 and Hometap's 26
If you want to see your worst case before signing
Splitero
Publishes a 17.99% Safety Cap
If the home is a manufactured home
Hometap
The only one of the five that lists manufactured homes as eligible
If you may want to repay part of it early
Unlock
Allows partial buyouts during the term, subject to approval
If you can afford a monthly payment
A HELOC is usually cheaper
Compare the calculator's equivalent annual rate with HELOC quotes
What would you actually repay?
Enter your home value, the amount you want and how long you plan to stay. The calculator applies each provider's published fee and cost cap and shows the settlement and the equivalent annual rate, so you can hold it up against a HELOC quote.
Open the HEI cost calculatorPoint review: FAQ
Is Point legit?
Yes. Point Digital Finance has operated since 2014 per the Better Business Bureau, where it holds an A+ rating and has been accredited since October 2015. As of September 27, 2026 it had 30 BBB complaints in the last three years and a 4.58 out of 5 average across 215 reviews.
Is Point a scam?
No. Point's home equity investment is a real contract: it pays you cash now for a share of your home's future appreciation, recorded as a lien on your property. The risk is cost, not fraud. Because Point does not publish its cap rate, get the Homeowner Protection Cap and the appreciation starting value in writing before signing.
How does Point make money?
Point charges up to 3.9% (min $2,000) at closing, then earns a predetermined percentage of your home's appreciation when you settle, measured from an appreciation starting value set below the appraisal. You repay the original investment plus that share.
What are Point's requirements?
A 500 minimum credit score, a home worth at least $155,000, and enough equity left after the investment (keep about 27% after funding). Single-family homes, condos, townhomes and 1 to 4 unit properties qualify; LLC-held, manufactured and mobile homes do not.
Does Point have a cost cap?
Point has a Homeowner Protection Cap, which it describes as a fixed annual rate compounded monthly, but it does not publish the rate. Splitero and Hometap both publish theirs.
How much can I get from Point?
Point funds up to $600,000 (max 20% of home value). The exact amount depends on your equity, home value and existing liens.
Point vs Splitero: which is better?
Point charges a lower fee (up to 3.9%, min $2,000, vs Splitero's 4.99%, min $1,500) and serves more states (30 states plus D.C. vs 17 states). Splitero publishes a 17.99% cost cap, accepts trust- and LLC-held title and settles on a share of total value. If you live where both operate, get both quotes and run them through our calculator.
Point vs Hometap: which is better?
Point runs 30 years to Hometap's 10 years and charges a lower percentage fee. Hometap publishes its pricing multipliers and an 18.5% cap, and funds rentals and manufactured homes. Hometap's fee is capped at $20,000, which makes it cheaper upfront on very large investments.
What happens if my home loses value with Point?
If the home falls below the appreciation starting value, Point shares in the loss, so you could repay less than you received.
Can I pay Point off early?
Yes. You can settle any time in the 30-year term with one lump-sum payment, usually through a sale, refinance or savings.
What is Point's appreciation starting value?
It is the value Point measures your appreciation from, set at a majority percentage of your appraised value. Because it sits below today's value, part of your current value counts as appreciation from day one. Ask for the exact figure in your offer.
Unlock vs Point?
Unlock settles on a percentage of your home's ending value, runs 10 years and allows partial buyouts. Point returns your investment plus a share of the change over 30 years. Unlock requires at least 30% equity before funding; Point instead expects you to keep about 27% after it.
Ready to price Point?
Get Point's estimate, then run it through our calculator next to the other four providers.
Check my Point offerOther HEI reviews
Methodology and disclosure
How we review: every figure on this page was read at Point's own website, the Better Business Bureau or the court docket linked beside it; we do not use aggregator reviews as a source. Ratings weigh the published cost ceiling, term, eligibility and documentation, state availability and complaint record. Splitero is a Fiat Growth portfolio company; that relationship does not change any figure here.
Updated September 27, 2026.
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