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Point Mortgage Review

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Reviews 965

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Ryan Sze
Ryan Sze
Jan. 28, 20224 min read

Point summary

If you’re a homeowner, you can use Point to turn your home equity into cash. The company’s home equity line of credit allows you to access cash in a flexible and convenient manner—all at an affordable interest rate. To qualify, you’ll need a 680+ credit score. If approved, you’ll be able to borrow as much as $500k in home equity, and can use your credit line to fund home renovations, investments, or other major expenses.

Pros

  • Quick and easy online application
  • Flexible revolving line of credit
  • Tap up to $500k in home equity

Cons

  • Must have 680+ credit score to qualify
  • Home equity line of credit only available in California
Pointat a glance
3.4

Editorial score

Customer Service and Support

Email and phone support available

3.0

Variety of Loan Types

Purchase, FHA, VA, USDA, Jumbo, HELOC

4.0

Variety of Products

10-30 years, conventional

4.0

Online Experience

Access to learning materials

4.0

Geographical Availability

Available in 15 states

2.0

Point Point Visit Point

Overview

Point is a mortgage and home-backed lending company that provides financing options for prospective and current homeowners. Current homeowners can take advantage of Point’s home equity line of credit (HELOC), a flexible, low-interest revolving line of credit.

Depending on your credit score and the value of your home, you can borrow up to $500k. You can use your HELOC to finance anything you need, without restriction—be it a home renovation, a major expense like a wedding or tuition payment, or investments.

Suitable For?

Point’s HELOC program is relevant if you’re an existing homeowner in California who has an immediate or potentially upcoming need for cash. Once you establish your credit line, you’re free to borrow as much or as little as you want to until you reach the maximum amount you’re approved for.

Moreover, you will only be charged interest on the amount you borrow. Once you pay down your balance, you’re free to re-use and borrow against your line of credit again.

Types of Loans/Products

To qualify for Point’s Home Equity Line of Credit (HELOC), you’ll need to own property in California and have a credit score of 680 or higher.

Point’s HELOC interest rates can be as low as 3.5% or as high as 18%, and will depend on factors like hour credit score and the value of your home. Moreover, your initial draw must exceed $50,000 or 100% of your credit limit, whichever is less.

The Application Process

Point’s HELOC application can be completed online. To apply, follow these steps.

  1. Navigate to Point to check your personalized APR.
  2. If you’re prequalifed for a HELOC, you’ll be invited to submit additional documentation, like pay stubs and proof of address.
  3. Once you verify, sign, and notarize the required documents, you’ll be able to access cash via your line of credit.
  4. Funds should arrive in your bank account within several weeks.

Repayment Terms

Interest rates on outstanding HELOC balances will vary, but can be as low as 3.5% and as high as 18%. If you carry a balance, you may be required to make a minimum monthly payment, but you won’t be subject to annual fees, inactivity fees (if you don’t draw on your line of credit), or early termination fees.

Point’s HELOC can be established indefinitely and does not come with a fixed repayment schedule. If you’re drawing on your credit line for the first time, you’ll need to borrow the lesser of $50,000 or 100% of your credit limit. However, once you accumulate an outstanding balance, you can repay as little or as much as you want, so long as you meet or exceed the monthly minimum payment.

Help & Support

It’s easy to get in touch with Point. You can reach them via email or by phone between Monday and Thursday from 6AM to 6PM PST and on Friday from 6AM to 4PM PST.

How Point Compares


Point HELOCUS Bank HELOCThird Federal HELOC
Minimum Credit Score680+730+Unspecified
Available inCaliforniaNationwideNationwide
Maximum Credit Line$500,000Depends on state, max. $100,000 in NYUp to $200,000
HELOC APR3.5% to 18%3.70% to 8.85%From 2.49%
Best forHomeowners who need cashHomeowners who are existing US Bank clientsHomeowners who want low HELOC interest rates

Summary

Point’s versatile, low-APR HELOC allows you to turn your home equity into cash and can give you access to as much as $500k in revolving credit.

To qualify for a HELOC, you’ll need to complete an online application, have a credit score of 680+, and live in California. Once you’re approved, you’ll receive your funds within a few weeks.

With interest rates from 3% to 18%, no early repayment or termination fees, and no annual fees, Point’s home equity line of credit is an affordable and easy way to tap into your wealth.

FAQs

How can you use Point HELOC funds?

You can use your HELOC for anything, whether that’s to renovate your current home, to fund major non-home-related expenses, or even to purchase other assets.

What’s the difference between a HELOC and a home equity loan?

A home equity loan is an arrangement where you borrow a lump-sum payment and repay the lender via fixed monthly recurring payments.

With a home equity line of credit, you don’t have to borrow a pre-determined amount or borrow all at once. Simply tap into your HELOC when you need it, pay it down when you have the funds, and let it sit idle when you don’t need access to cash.

How much can I borrow?

Your credit limit will depend on your creditworthiness and the amount of equity you have in your home. The maximum credit limit is $500,000.

What interest rates do Point HELOCs feature?

Interest rates are anywhere between 3.5% to 18%. However, your exact interest rate will depend on your borrower profile.

Physical Address

444 High Street, Fl 4

Palo Alto, CA 94301

Point Point Visit Point

Methodology

This review was compiled using information from the Point website.

Ryan Sze
Written byRyan Sze

Ryan is a freelance personal finance and investments writer, with more than 3 years of experience trading and writing informative financial content. A chemical engineer by degree, Ryan's interest in finance grew out of a love of data science and computational statistics. His byline can be found on well-known sites such as The Motley Fool, Investing In The Web, and Top10.com.

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  • author
    Juan-Miramar,FL
    an hour ago
    Great!

    Great! Service

    ...

  • author
    Carol Jones
    4 hours ago
    Home equity

    I found Point to be very helpful when questions were asked and answer’s given. I would recommend this Company for home equity loans.

    ...

  • author
    Jeanette
    a day ago
    I had to stay on top of my deadlines

    I had to stay on top of my deadlines. Or I feel that time would have kept passing. Everyone was very nice and once I called and emailed. The process went smoothly.

    ...

  • author
    Dennis
    2 days ago
    it was quite interesting going…

    Well it was quite interesting going through the process! It does take a long time! But.... I really think it depends on your circumstances what's involved on your home.if you don't owe anything on your home the process is a lot quicker! Onething was asking for tones of documents. Even as we closed they still ask for another document. And now once we got our money we get these letters they want us to call them and ask if want to get some sort of insurance if we get sick or die. Ashley and Courtney where awsome! But point did give us pretty much what we needed.

    ...

  • author
    Gary
    3 days ago
    The 2 things I didn't like were the low…

    The 2 things I didn't like were the low appraisal and the high risk adjustment. I believe this is a good product. It is another alternative to access equity in your house. It's not for everybody, but is a choice. The process was pretty simple and Kiaerra was very helpful.

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  • author
    Micah brandner
    Jun 30, 2022
    The customer care was nice and…

    The customer care was nice and professional I was impressed with the quality of giving guidance because it was my first time doing this

    ...

  • author
    Stephen
    Jun 29, 2022
    Incredible experience

    Incredible experience. We where able to use house money, to upgrade and update home. This will allow Me to be more independent with My Military 🪖 disabilities. Excellent communication throughout, and available to explain and answer questions along the way. Thank you, Sgt. Howe 10th Mountain Division and 4th ID 13F🧔🇺🇲👊

    ...

  • author
    Joseph & Jeanette
    Jun 28, 2022
    Quick, smooth and professionalism.

    It was nice dealing with the professionalism and friendly and caring individuals at Point. My transaction went quickly and smoothly from start to finish. Thank you and thumbs up to all of you.

    ...

  • author
    Tammy
    Jun 28, 2022
    There was a big lack of communication…

    There was a big lack of communication with the rep in charge of working my application. It took 7 months to get the application processed. I had to get a hold of a supervisor to keep me updated on my process. I would email and it would take days to reply. This is the first time I have ever experienced this type of lag in processing an application. Better communication and timely process would have been much appreciated. If a customer is stating they are having a hard time understanding what is needed picking up the phone and speaking to the customer to get them a clear understanding of what is needed would have gone a long way.

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  • author
    Betty Foss
    Jun 28, 2022
    I was joined with Phil Kwong who was…

    I was joined with Phil Kwong who was professional and a pleasure to work with. In general, I was pleased with choosing Point and my expectations were fulfilled. The only disappointment I had was with the underwriting department. They stalled the process, I feel, by at least a week. Documents were requested multiple times that had already been provided to them more than once or they requested I retake photos of documents several days after they were received, i.e., retake photo of mortgage statement because it didn't show all 4 corners. This is just a couple examples of the frustration I endured, requiring the assistance from Phil Kwong and Rose to facilitate the process to move forward.

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  • author
    CJ
    Jun 26, 2022
    They were so supportive and patient…

    They were so supportive and patient with all my questions.

    ...

  • author
    Harvey
    Jun 25, 2022
    Overall Point did exactly what they…

    Overall Point did exactly what they said they would do it took a little bit to get the ball rolling once I did everything that was needed each step of the way was handled with professionalism and my family and I would recommend Point to to anyone.

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  • author
    Ronald
    Jun 23, 2022
    The entire process was done in very…

    The entire process was done in very thorough and professional manner.

    ...

  • author
    RR
    Jun 23, 2022
    Fantastic / easy experience

    Thorough and smooth process from beginning to end! I would highly recommend Point.com as for those looking for an HEI.

    ...

  • author
    Kino
    Jun 23, 2022
    4 stars

    Point is professional, the process was not stressful, it was done in a timely manner. However most things are done via email. And someone who’s old school and wants to talk to a real person. Becomes a process. That’s why you get 4 stars . Overall good job

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  • author
    John
    Jun 23, 2022
    Upfront program with all options and…

    Upfront program with all options and possibilities demonstrated up front.

    ...

  • author
    LM
    Jun 23, 2022
    It was a great experience

    It was a great experience. Once I had all the paperwork in, everything was completed to my satisfaction. Thank you so much. If you meet the criteria, it’s an excellent way to use the leverage in your place.

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  • author
    Edward
    Jun 23, 2022
    Easy and fast alternative to…

    Easy and fast alternative to traditional home loan

    ...

  • author
    Key Wester
    Jun 22, 2022
    Here's my story

    Here's my story. I received an offer of $99K in the mail and I started the process which started with a phone call on 4/12/22. I finished the process and received my money on 6/22/22. I only got $82K, that offer is meaningless! You'll get based off your appraisal. You MUST be patient. My home appraised for $405K, LOTS of equity, I live in a nice place, and we have good credit. If you don't have these your results may vary. You MUST turn in any paperwork they ask for ASAP. Communication was somewhat poor but, if you're in the underwriting phase there's nothing to tell you. They have no control over the underwriting phase, don't bother asking them how long. They have no way of knowing. After we signed the paperwork it was less that 3 business days and we had our money. We paid off our debt and have a little left over. Someday though we will have to pay this back with interest!

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  • author
    Aaron Tyrone
    Jun 22, 2022
    Point was very concise about the…

    Point was very concise about the process. Each step was throughly explained. Once the process started it moved very expeditiously.The equity in your home was used to finance your funds unlike traditional Heloc loans that require bank statements, tax returns and perfect credit. Thanks Point.

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  • author
    Laurie
    Jun 21, 2022
    Everything went so smoothly and the…

    Everything went so smoothly and the customer service was everything I needed. Thanks, Point!

    ...

  • author
    Patricia
    Jun 21, 2022
    Easy to work with especially Keyairra…

    Easy to work with especially Keyairra Perkin She was very helpful! Any questions I asked she would get an answer quickly!

    ...

  • author
    Janelle
    Jun 21, 2022
    The program is great and I understand…

    The program is great and I understand reasons to take a long time to process-however I think after the first credit check is done that should be “marked “ off the list . Having to do a second credit report and getting all of the documents a second time was a little nerve racking

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  • author
    Susan
    Jun 20, 2022
    Excellent experience, highly recommend!!!

    Excellent experience with Sang and her team! Simple and easy to do process with closing done within two months! Highly recommend!!!

    ...

  • author
    Karen
    Jun 20, 2022
    WONDERFUL EXPERIENCE

    My experience with Point was exceptional. There were a few hiccups, but overall, the outcome was successful and very low stress. My case manager, Alicia, was tremendous with her patience, insight, and personalized service, I was very impressed. My Closer, Shanedra, was remarkable as well, offering a level of graciousness that is exemplary. The whole procedure from application to closing should be a model for the Mortgage industry. If I can share my advice to potential customers, especially those who still have mortgages and/or HELOCS, it would be, be prepared. Check your email often. Be prepared with documentation, statements, and be prepared for requests for items that you will have to obtain from your current lender. If you do not have these handy you will experience delays. The initial process is very efficient and proceeds quickly. Within 2-3 weeks, the prequalification, appraisal and title search were all completed and sent to the underwriter. Point’s ability to do that, should be a model for and shared with the mortgage industry. The entire process did take 60 days, exactly as I was told. I cant be being to express my gratitude to have the opportunity to participate in the program.

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  • author
    Raquel
    Jun 20, 2022
    The Point employees were very helpful

    The Point employees were very helpful, professional, informative and available. They made the process super smooth. I highly recommend them to anyone needing to access the equity in their home.

    ...

  • author
    Hope
    Jun 20, 2022
    We had a very positive experience with…

    We had a very positive experience with point. Everyone we dealt with was very helpful and professional. We would recommend this company to others.

    ...

  • author
    Nancy S
    Jun 20, 2022
    The POINT process went very smoothly…

    The POINT process went very smoothly for me from the beginning to the end. Each person that was assigned to me was very helpful. The closing process was a breeze.

    ...

  • author
    CO
    Jun 20, 2022
    Great experience

    The process was easy and smooth. Great experience

    ...

  • author
    Peter
    Jun 20, 2022
    The whole process from beginning to…

    The whole process from beginning to end was smooth.Professional staff to handle every step of the way.Thank you

    ...

  • author
    AMORSITO SAPIDA
    Jun 20, 2022
    My Experience Dealing with Point

    It started very long time to finish my requirements, maybe because I’m always busy with my everyday business routines. I gave Point a 5 stars because they are very professional to work with, their response is very quick, although as I have said it’s me who dragged all the way to finishing what is needed.I would Highly recommend Point if they need this kind of service.

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  • author
    Tammy
    Jun 19, 2022
    Point was great to work with

    Point was great to work with. Right on point with keeping us informed through the whole process.

    ...

  • author
    JKL
    Jun 20, 2022
    Point Digital Finance Know-How

    Working with Point Digital Finance was an interesting learning curve with an overall positive outcome. Most tasks were straight forward. However, new tasks were sometimes surprising but not insurmountable; any customer who is not technically savvy with the web based query/response/reply process would be at a disadvantage in completing the tasks as they pop up. It would be helpful, if an outline video (similar to the signing video) were provided demonstrating what the potential process looks like and what to expect from time to time. This would take some of the mystery out of the entire process as it moves from initial application approval to the closing process. This would be helpful to the customers with less experience with website interaction and lessen the frustration others have expressed in their evaluations. Finally, the escrow process was relatively smooth except for a couple of minor corrections which required vigilant phone follow-up conversations to direct payments to the proper 3rd party payee account accounts and/or addresses. Points approach to no debt partnership investment was ideal for my current financial situation and will definitely bolster my anticipated happy journey back to full financial health! Thank you 🙏

    ...

  • author
    Art Balce
    Jun 19, 2022
    Point is very helpful during the…

    Point is very helpful during the process. Thank you

    ...

  • author
    Rosa
    Jun 19, 2022
    The associates at Point were all very…

    The associates at Point were all very nice and professional but It was extremely hard to get any updates from them. I called and emailed but nobody would call me back with any updates when requested. I didn’t receive any copies of the title report or of any signed documents.

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  • author
    Rawleigh Degraff
    Jun 19, 2022
    Everyone at Point that I dealt with was…

    Everyone at Point that I dealt with was very personable and professional. Point made the entire process as smooth as possible.

    ...

  • author
    Shelton
    Jun 18, 2022
    Current situation under review - no communication

    I started this process April and the communication is something to be desired with Point. I have questions regarding my loan and continue to leave messages with my representative but haven’t received a response back in days, almost a week now. My representative called me and said that an appraiser would contact me to schedule a home visit appraisal, but it been over a week and I haven’t heard from anyone. I also had questions concerning a HUD lien with no cash-out and how that may affect me being approved within this process. The HUD lien was to bring the payments current due to unforeseen financial issues and I wanted to know if this will stop my loan from proceeding because there is already a lien on the home. How would this process work on my behalf at all, but no one will get back with me to address my concerns.

    ...

  • author
    Rod Paul
    Jun 17, 2022
    Point did what they said and funding…

    Point did what they said and funding was fast . So far a great experience

    ...

  • author
    TW
    Jun 17, 2022
    Excellent Overall Experience

    This was an excellent experience from beginning to end. The point team is responsive, knowledgeable and experienced even with the most complex situations. I conducted hours or research and Point continued to rise to the top. I would recommend Point to anyone considering a HEI.

    ...

  • author
    Hawk
    Jun 21, 2022
    Get To Moving.

    You know that experience you numb your way through when you go to buy a car, apply for a traditional loan - or buy a house? The one where the paperwork never stops coming? Well this isn’t that. This is the most straightforward, not-time-consuming-application, loan-granted-process. Like, ever. The people I talked to during the process, and swapped emails with, were on their game from the get-go to money dropped in my account. I mean; it was that easy. And painless. They keep it simple, to the point(see what I did there?) - and professional but helpful. The paperwork is minimal, non-threatening, and you’ll have your money before you have enough time to believe you have your money. Simple as that. These guys try to keep things real so in terms of time-to-get-your-money they under-promise but over-deliver (too many hyphens?) It boils down to this; if you’re on top of your game and do your thing paperwork-wise, they’ll have the money out to you quick as Jumping Jack Flash. If you want and need that cash fast - just get to moving. My pool, screens and deck upgrades are underway right now even as I’m taking time-out to write this. And that’s pretty awesome.

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  • author
    herb sawyer
    Jun 16, 2022
    This process was amazing we thank you…

    This process was amazing we thank you for the help that we needed and I would recommend it for anyone who does the other kinds of help

    ...

  • author
    Stephen
    Jun 16, 2022
    The Point people were great to deal with, Underwriter was where the issue began.

    The Point people were great to deal with for the most part. When things got to the end of the process and turned over to the underwriter is where it when off the rails a bit. This person requested new documents for payroll, which is normal. Also apparently requested a new payoff document from the one item that was going to be paid off in the deal. This was not communicated to me, just a request sent to the creditor. This payoff was request was only to change the date. The date that was current was end of the month and it was about the 15th when the change was requested. the whole deal could have been done before the end of the month but instead the underwriter waited 13 days and then only told me of the hang up after about 12 requests for status that went unanswered. I obtained the information needed in about 30 min, which was only needed now due to the inactivity of the underwriter in doing their job, and things proceeded forward. Then in the 4 days it took to do the rest of the paperwork, due to a holiday weekend, it was all going well and then I was informed that the 3 day waiting period was really going to be up to 9 days due to a weekend and transfer times. Correct information and no response to questions along the way would have gone a long way to getting a 5 star rating instead of the generous 3 star that I am giving them.

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  • author
    Steven
    Jun 16, 2022
    Great people to work with

    Great people to work with. Very professional

    ...

  • author
    customer
    Jun 15, 2022
    Poor experience with Point

    Poor experience with Point. I was excited and looked forward to working with Point. After submitting all the paperwork, I was told nothing for a week, a lot of crickets, then a denial based on the property type. 3 family apartment building and a single-family home on the same blk and lot. Never made it to the appraisal phase. Waste of time and energy.

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  • author
    Richard
    Jun 14, 2022
    Great hepfull customer service

    Great hepfull customer service

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  • author
    Gregorio
    Jun 14, 2022
    In my opinion the process was a little…

    In my opinion the process was a little Slow due to a delayed from the Title Company not the Fault of Point. I was a Real Estate agent and a Loan broker before. In my experience the process should have been cut from 75 days down to 45 days. Overall the financial benefits i received supercedes the rest of my concerns.

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  • author
    Giorgi
    Jun 14, 2022
    I would recommend this company

    I would recommend this company. Great service

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  • author
    ShaNya Harris
    Jun 13, 2022
    I AM STILL AWAITING A…

    I AM STILL AWAITING A RESPONSE!!!!!!!!!!! This by far has be the most frustrating experience I have ever had dealing with a company. Customer service is TERRIBLE!!! The communication is few and far between and there is misinformation given. I really want to be able to recommend this company but I honestly would not want to knowingly put someone I care about in to a situation as such. There is no contact information to reach out to management for additional assistance either. I am reaching out consistently and providing information immediately upon requests. My account manager missed a scheduled call with me and sent no email no was a follow up rescheduled. My initial BBB Complaint Case# 1053979 was also closed without resolution, I’ve resubmitted a new one.

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  • author
    Chanelle Ferguson
    Jun 13, 2022
    Good

    We would like to express our deepest gratitude to BFG iTECH for developing a website for our company. Everything is done at the highest level. Everything is simple and clear. Site management is also very easy to understand. Thank you!

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  • author
    Michael
    Jun 13, 2022
    I feel that point delivered on their…

    I feel that point delivered on their promise on all areas. This business model is unique and they explained all to my satisfaction.

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  • author
    Christopher
    Jun 13, 2022
    I was able to get financed by Point and…

    I was able to get financed by Point and it was a lifesaver. The reason that I only gave them 3 stars is because of the process, which I started in September of last year and they went completely dark on me until a few months ago. They cited being really busy, which I do understand, but more communication would have helped this not be such a stressful process.

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  • author
    LUDIVINA
    Jun 13, 2022
    Point help me to full up part of my…

    Point help me to full up part of my home equity to pay off debt and used part of the money for investment.

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  • author
    Esther-Miami, FL
    Jun 13, 2022
    There are so many words that I can use…

    There are so many words that I can use to express my experience with point but I’ll just use EXCELLENCE, that is the service we received. Having different financial events over the years we are happy to find Point to get us back on point!!!

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  • author
    Christopher
    Jun 13, 2022
    The entire experience was painless…

    The entire experience was painless except for a bit of a longer timeline to receive funds but 100% of my expectations met. Thank you Point this was exactly what we needed.

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  • author
    James Gray
    Jun 12, 2022
    Okay, could use better customer service

    Manager for my account wasn’t very responsive, called me Mrs. instead of Mr. Didn’t seem too involved in the process. Took about 3-4 months, but eventually went through.

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  • author
    Javed Nazim
    Jun 12, 2022
    I have been very disappointed in point

    I have been very disappointed in point. No responses when you ping them. Assigned agent is always out of office. Been close to a month for my HELOC but I hardly know what is happening. I would not recommend if time is important

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  • author
    Kevin
    Jun 12, 2022
    I found out a place called point

    I found out a place called point I applied for home equity against my house with no monthly payments from the beginning to the end everything was good they told me everything that had to be done I would recommend point to anybody that was in the situation I am I'm making home improvements to better the house and myself

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  • author
    Angela
    Jun 11, 2022
    Considering this is not a loan

    Considering this is not a loan, this process is very much like a loan. The cost is much like a loan just paid when you refinance or sell your home rather than monthly. The length of time this takes to complete is very much like a loan. 90 days or more. The documents and required Application are also very much like a loan. It is a lean on your home so it is very much Just like a mortgage or loan. None of that is stated upfront so I am only giving them 3 stars. The people were friendly and polite enough but seemed over worked for their time each time we contacted them on the phone. We would respond to request within 24 hours but they did not respond for days or weeks some times by email or in their document process. It was confusing who we were working with at times and so we did not know who to ask our questions to. I am not fully sure they have this whole idea's processes or flow down very well just yet. I hope they get better at it with time. I am fully disappointed in one thing. After you've gone through the trouble of all the documents, 90 days or more, an appraisal and you are down to the last days they tell you that their loan must have first position and you have to ask them in writing to refi or change the loans on your home. This means that they have a right to refuse you refinancing or getting a second or a HELOC or any other loans on your home more so than the primary mortgage company dose. They don't tell you that until the end after you have planned the resource for remodeling or home repairs or debt relief. It was very disappointing to find out that we may never be able to refinance if they so choose.

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  • author
    Melissa Bloom
    Jun 11, 2022
    My Point Review

    Overall, The Professionalism of the Account Executives & Representative's Knowledge of Product allowed for Superior Customer Service, & it was extremely well balanced, along with other Departments & Management. In my experience with Point, I had to contact Management and work my butt off to gain results to gain a loan, because of the lack of staff and the lack of availability due to COVID & due to the wide spread accounts they were acquiring so quickly because they have such a great product. I worked with Point and their many different Departments successfully. Point is a Superb Financial Institution. And, their in-depth product training to the client, is hands down one of the more involved "institution to client friendly" products in the Market, when gaining a Home Equity Investment (HEI) Option Loan. Point has very much tackled this part to be Superior. And I really appreciated it. Mr. Holland (Point Client)

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  • author
    Carlos
    Jun 10, 2022
    Lack of Communication and Very long processing times!!!

    This was my first time using Point and I have to say I was not impressed with processing. Although the qualification process was very simple and stress free pretty much because they're underwriting department doesn't require much. With that being said, the process was extremely long. Too long considering no income docs were needed, no employment verification was needed, no title issues, pretty much no issues what so ever. I applied in early March and received funds at the end of May. This was painstakingly long and the communication was the worst. Probably the worst part about this whole process. There were weeks that went by with no communication at all. I had to reach out to my contact and even when I did the replies were a day, if not days later. With that being said the actual process is easy and we did benefit from a great product. This isn't for everyone and i would def do some research before moving forward but overall please and happy to be able to invest back into my home!

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  • author
    Christine
    Jun 10, 2022
    Point deserves a ten star rating

    Point deserves a ten star rating! I had an urgent situation where I needed to sell some of my homes equity and do so quickly. They qualified (verified personal info), did the inspection and had the contract ready in just a couple weeks. I definitely recommend working with them! Great company, great communication and first class customer service. Thank you Point !!!

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  • author
    Chanelle Ferguson
    Jun 10, 2022
    We would like to thank BFG iTECH for…

    We would like to thank BFG iTECH for creating our website. We got what we wanted - a simple and convenient interface, and a clear control system. We actively use the site and are very pleased with the end result, so the rating is definitely 5 out of 5. Well done guys, I recommend it!

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  • author
    albert debs
    Jun 09, 2022
    What an amazing an honest and company…

    What an amazing an honest and company Point Financial God Bless what an awesome Hei program life changing helped me start back as a equity trader after a few injuries and years...Thank Kenneth you were awesome tru the process super friendly straight forward and honest you look after my needs and goals A Client For Life God Bless Kenneth and Point Financial:)

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  • author
    Dave & Kelly
    Jun 06, 2022
    Great customer service!

    Point Equity Option was a great solution in opening up some of our equity on our home. If you are looking for a quick fix to your money and bill problems, this is not for you. There is a process and underwriting involved. It's not an overnight deal. Point was very helpful and gave us the opportunity to reinvest in our home with the capital needed to make the upgrades we have been wanting to do to improve and increase the value of our home, while also paying off some debit to put us in a better finacial status by getting rid of unnecessary intrest on other debit. Thanks Point! Dave & Kelly

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  • author
    Samoane
    Jun 06, 2022
    Everything was great with Point

    Everything was great with Point. My only recommendation would be for more communication from the staff. My application took a while and it was hard to contact staff about it in the early stages.

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  • author
    Lisa
    Jun 05, 2022
    The process was easy to follow and…

    The process was easy to follow and every step of the way was professional and if you have questions your representative was their to assist you.

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  • author
    Jose Santiago
    Jun 05, 2022
    Excellent service

    Excellent service

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  • author
    Linda & John Dionisio
    Jun 05, 2022
    All went well

    All went well, I was only a little disappointed in the difficulty in contacting my account manager. The end result was very good and I have recommended your program to a friend of mine. I trust he will enjoy the same result I had Thank You Linda Dionisio

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  • author
    JUAN F. QUINONES
    Jun 04, 2022
    Great service from start to finish

    Great service from start to finish. Made promises like closing on a certain date and it happened. I was hoping on a faster closing though it took longer than I thought it should have.

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  • author
    Louis
    Jun 04, 2022
    very good i thank point for this help…

    very good i thank point for this help thank you to all

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  • author
    Brenda
    Jun 03, 2022
    My experience was good

    My experience was good. My only complaint was i had to email my explanations on my credit reports instead of being able to talk directly with the underwriters. Also they insisted on paying off my ecrow shortage even though it is paid monthly through my mortgage. But it all worked out in the end. Took about 60 days start to finish.

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  • author
    Allyn Kemp
    Jun 02, 2022
    Thank you POINT for the amazing service

    Thank you POINT for the amazing service

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  • author
    Valentin Calaycay
    Jun 02, 2022
    My account manager at POINT who was Dezra Wilkins, thank you for everything

    My account manager at POINT who was Dezra Wilkins exhibit superlatives customer service and care she was there every step of the way even though I wasn’t the easiest customer to satisfy she was always calm cool and collected I would recommend her to anybody at any time for assistance in speaking to HEI I really am unable to say enough good things about her and about the rest of the staff Tiffany Hodges Miss Aragosa, all of them were excellent in assisting me to get closed and on my way to my goals I can never think them enough I would recommend them to anybody who’s interested in HEI go with POINT there superlative and they have superlative employees not working for them but taking care of their customers that’s a big difference as most people or just employees these managers and closers all involved were just doing their jobs they were making sure that the customer was tended to and satisfied I can’t say enough about them that’s good I wish I had another house if I did I’d ask for another HEI just so that they would be the ones to be able to help me again thank you for everything

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  • author
    Cloverhill
    Jun 02, 2022
    The appraisal was very slow and then…

    The appraisal was very slow and then was undervalued but I needed to proceed anyway

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  • author
    Alex Salmon
    Jun 02, 2022
    Smooth process.

    Smooth process.

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  • author
    John
    Jun 02, 2022
    Everyone was very efficient and…

    Everyone was very efficient and organized

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  • author
    Richard C
    Jun 02, 2022
    Appraisal done and Approved but…

    I was approved, had my documents ready to sign, but I just had one question before I signed the final documents. I emailed the account manager, but no response so I emailed everyday (politely) for a week, and no acknowledgement at all, I also called and the people answering the phone were very polite, but still no response from my account manager. I have been promised a response by tomorrow. Edit: No response today, so I asked to talk to a supervisor, and the representative refused to let me speak to one, saying they will forward to a supervisor and they will decide if they need to call me. I am done with this company and I highly recommend staying away from them. There is something wrong here.

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  • author
    Adam
    Jun 01, 2022
    "Go f*** yourself" -Point Customer Relations

    I had a call with someone named Mohammed. He didn't really have any answers to very important questions that I posed. He just sent me an offer. He then spammed my email for a week about how it will expire if I don't accept. Which I ignored. Finally I was curious if this company is real so I called the number on their website. It was disconnected. I chatted in to ask if they can help out with the fact that their website is sending 2FA security to my email that continues to tell me that the link is expired. After asking the agent why I should trust this company after all of this over Unison or another company, he said to go f*** myself. I told him to go f*** himself as well and that was that.

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  • author
    Leslie Marin
    Jun 01, 2022
    My honest experience with Point

    Well this is my honest experience with Point and why I chose not to move forward with them. I was attracted to Point because of their no monthly payments and 30 year pay back time frame. I decided to fill out an interest form and there was no time slot available to speak to a representative for four days. No problem. I scheduled my appointment and went about my day. About 5 hours later, their representative, Abilene called me. She was very friendly and did a great job explaining the process to me. Here's where it starts to go downhill. Point appraises your house for way, way less than what it's actually worth to "protect themselves" from volatitlity. This means that you will end up paying more money than you should when you settle. I wasn't happy with this at all, but the 30 year time frame still made me consider it over the competition. We decided we wanted to continue with Point, even knowing that we were going to be ripped off because in 30 years we figured we could easily pay them back. Abilene asked me to send over documents and I emailed everything to her within 10 minutes. I asked her to please let me know what the next steps will be. I did not receive any response from her. I still had a phone appointment scheduled and wasn't sure if anyone was going to call me in a few days, but I was ready for the call just in case. No phone call. No problem I thought, since Abilene had already called me before. A week passes by and I decide to call her to see if my application had been approved. No response. I leave a voicemail letting her know to please let me know if she received my documents and If they would like to move forward because if not I would like to seek other options. No response. I shoot over one last email and wait a week and nothing. At this point I give up and apply for Hometap. My Hometap representative Mike, thoroughly explains their process. Any question or concern I have is answered within 3 minutes, no joke. I do the math and in the end, borrowing from Hometap costs less. I decide to move forward with Hometap and so glad I did. About a week later, I get an email from Point telling me that if I am to be considered I need to upload a bunch of documents, including ones already sent to Abilene. I email back that at the time it took them to send me that , I'm already in the appraisal process with Hometap and had no idea that they still knew I even existed. Abilene calls me back and tells me it's too bad that we were already in the underwriting process and usually she is very good at communicating. I had no idea we were in any underwriting process. I give her constructive criticism that I had no idea what was going on and called and emailed her multiple times with no answer. Hometap, on the other hand, has guided me through the entire process and any question I have is immediately answered. Hometap makes it easy and is efficient. With point, you're pretty much on your own. And that was my experience. I tell Abilene that I've already moved on with Hometap and she proceeds to send ME a denial letter after I denied them 🤣🤣. Point is ridiculously unorganized and definetely not on point. Too bad they lost a customer.

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  • author
    Lawrence
    May 31, 2022
    It took to long after I closed

    It took to long after I closed. But everything worked out fine.

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  • author
    Susan Adams
    May 30, 2022
    I was impressed with how thorough the…

    I was impressed with how thorough the explanation of the process was. There was a personal contact, a video, and then a phone session with someone who also explained how Point works, asking questions to make sure you understood. Process took longer than anticipated, but that was due to volume of business. You can trust these people which is rare these days.

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  • author
    George
    May 30, 2022
    Very professional and great people to…

    Very professional and great people to work with to meet you goals. Thank you.

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  • author
    James
    May 30, 2022
    The application process was excellent…

    The application process was excellent and the closing process was excellent as well . The part in between is why it wasn't 5 stars . Why anyone would say 7 to 10 days to receive your funds, when ii actually could take 6 weeks or more . The backlog between the 2 processes almost made me change my mind . Either fix that issue or make more realistic expectations from the beginning. It could take 3 to 5 weeks would be a start Now this is nothing against Ken or Wanda they were great

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  • author
    Romeo
    May 30, 2022
    The best ever !

    The best ever !

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  • author
    Joey
    May 30, 2022
    Point’s Home Equity Investment (HEI)…

    Point’s Home Equity Investment (HEI) was an excellent way for us to do home renovations by using part of our equity without the need of paying it back right away. Mohamed was very helpful and very knowledgeable in explaining how HEI works. He told us that the whole process should finish in 30 to 90 days. I think ours only took 3 weeks! We’re very happy with the whole process. Thank you Point!!

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  • author
    Xavier Flores
    May 30, 2022
    Great

    Great! I enjoyed it very much

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  • author
    Shaneka Smith Prather
    May 29, 2022
    Point was on point

    I want to start this review off by thanking Point! The process was very simple and easy to complete. My whole team was amazing from start to finish. Point is on point!!!! I'm so happy we choose you! If you're reading reviews that are negative trust me it was not due to it being Point's fault, they guide and lead you throughout the entire process! And you have to be patient with the process it doesn't happen over night. Thanks again Point!

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  • author
    Luis Domenech
    May 29, 2022
    Great customer service

    My experience with point was very positive, from first contact to closing day the representatives from point were all very courteous and professional, it took a little longer than I expected but I appreciate the care and expertise in which they handled my case, I would not hesitate to recommend point to anyone, great job and a very well satisfied customer, thank you all to point, great job guys

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  • author
    Mark
    May 28, 2022
    The loan products

    The loan products, customer service and communications from Point were outstanding. I have done several mortgage loans and Helocs over the past 35 years. Point is the best company I have dealt with.

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  • author
    Carolyn
    May 28, 2022
    The process with Point was quick and…

    The process with Point was quick and easy. Everyone I came in contact with was professional and courteous. I received the funds right into my bank account a few days after signing loan documents. The weight has been lifted!!

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  • author
    Nan
    May 27, 2022
    Nice and Easy

    Nice and Easy

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  • author
    JOHN HERNANDEZ
    May 27, 2022
    The agents were good the only thing I…

    The agents were good the only thing I didn’t like every time I called had to leave message for call back

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  • author
    12/19/2016
    May 27, 2022
    The process ended up taking a good…

    The process ended up taking a good amount of time to be funded the longer than we anticipated. The staff was great to work with. Happy with the end result.

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  • author
    Maria
    May 26, 2022
    The representatives were always…

    The representatives were always pleasant when I called to check the status of my application. They were very kind.

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  • author
    JH
    May 26, 2022
    I'm happy they could help my situation

    I'm happy they could help my situation It's easy and fast application and only the processing it takes a few months . But everything was great!👍 👍

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  • author
    Eric
    May 26, 2022
    Outstanding services and great experience. I will encourage anyone to

    Outstanding services and I would likely encourage and recommend anyone to join the program home equity investments by Point. It was easy for me to apply and get cash really quick on my home equity to pay off debts and invest in my business. It was a great and unforgettable experience ever…

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  • author
    Ruben
    May 26, 2022
    The process was smooth and easy

    The process was smooth and easy. Everyone we had contact with was helpful and responsive.

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  • author
    KRISTINE C LOVELL
    May 26, 2022
    Great experience

    Great experience. I would recommend this company.

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  • author
    DM Knight
    May 26, 2022
    The process was timely and move quick…

    The process was timely and move quick every step of the way.

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  • author
    Mary
    May 26, 2022
    I was so pleased with service I…

    I was so pleased with service I received from everyone involved with assisting me in this process. I will endorse your company by telling family and friends

    ...

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