Point requirements at a glance
| Requirement | Point | Notes |
|---|---|---|
| Minimum credit score | 500 | |
| Home value | At least $155,000 | |
| Cash you can get | $30,000 to $600,000 | |
| Leverage limit | Mortgage plus investment under 80% of home value | Not published; our assumption |
| Time to settle | Within 30 years | |
| States served | 32 states | Point's own list |
Terms verified September 23, 2026; state list as of September 23, 2026. Every term and its source: Point on HEI Calculator's provider terms page. Point sets final terms after underwriting.
Do you qualify for Point?
Checked against Point's published requirements. Nothing is saved or sent.
You meet Point's published requirements
Most you could ask for on its limits: just under $300,000.
Point still reviews your application, title, and appraisal before making an offer.
If you don't meet Point's requirements
Other providers publish different limits:
- More time to settle: CHEIFS (no end date)
See every provider at once with the HEI Offers matcher, read Point alternatives on HEI Compare, or, if a HELOC was turned down, start with Denied for a HELOC?
What Point would cost you
Qualifying is half the question. Use the Point calculator to see what you'd repay by year and growth rate, and read the full Point review.
States Point serves
Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin. Source: Point help center: In what states is Point available now?.
Questions
What credit score does Point require?
Point publishes a minimum credit score of 500. Meeting it doesn't guarantee an offer; Point reviews your whole application.
Which states does Point operate in?
Point lists 32 states: Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin. Availability can vary by county; check with Point for your address.
How much money can I get from Point?
$30,000 to $600,000 on its published terms, and your mortgage plus the investment must stay under 80% of your home's value. For a $750,000 home with a $300,000 mortgage, that's just under $300,000.
How long do I have to settle with Point?
Within 30 years, or sooner if you sell or refinance.
Want someone on your side?
Tell us where you are. Kevin, Jason, or Mike will look it over and reply by email.
