No monthly payments. No income requirements. No need for perfect credit. 🏡 Just the equity you’ve earned, working for you. How it works: Point gives you cash upfront. You use the money however you want — debt consolidation, home improvements, education, or anything else. You decide when to exit—anytime during the 30-year term. When you're ready to buy back your equity — whether by selling, refinancing, or using other funds — you repay the original investment plus a share of your home's apprecia