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Point Mortgage Review

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Reviews 408

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Patrick Sather
Patrick Sather
Jul. 22, 20214 min read

Point summary

Point Mortgage is a full service mortgage lender with over 20 years of expertise in everything from refinancing to construction lending. It offers conventional and jumbo mortgages with down payments starting between 2-3%. In addition, qualified applicants may apply for FHA, VA, or USDA loans. You can apply for a loan using Point Mortgage’s online portal, and communicate directly with a loan officer to get updates on the status of your loan.

Pros

  • Low down payments
  • Offers FHA, VA, USDA, jumbo loans, and lines of credit
  • Online portal to submit documents and payments

Cons

  • Limited customer support
  • Not available in every state
Pointat a glance
3.4

Editorial score

Point Point Visit Point

Overview

Point Mortgage is a full service mortgage bank that offers direct lending to borrowers. Whether you are looking for a FHA, VA, USDA, or conventional loan, its team of mortgage experts has you covered. Branch locations are available in California and Florida, with loan officers providing services across 15 states. 

In addition to conventional fixed and variable rate mortgages, Point Mortgage also offers jumbo loans and home equity lines of credit. It offers solutions for individuals with low credit scores, and down payments for conventional loans start at 2-3%. By answering a few simple questions, you can prequalify and apply for a loan directly through its website. 

Suitable For?

Point Mortgage is suitable for households in California and Florida who are looking to purchase a home or refinance an existing loan. It has options for borrowers with low credit scores and offers conventional loans for as little as 2-3% down. In addition, a loan officer can determine your eligibility for FHA, VA, or USDA loans.

Types of Loans/Products

As a full service mortgage lender, Point Mortgage offers both fixed and variable rate mortgages, as well as refinancing on existing homes and lines of credit. Eligible borrowers may also apply for FHA, VA, or USDA loans. Through the website, you can prequalify for a loan that fits your budget:

  • Minimum credit score: 580, based upon eligibility
  • Loan terms: 10-30 years, including interest-only options
  • Minimum down payment: 2-3% 
  • Eligibility: Licensed in 15 states including California and Florida

The Application Process

The application process at Point Mortgage follows these steps:

  1. Prequalify for a loan
  2. Select the right loan program 
  3. Register and apply online
  4. Begin loan processing
  5. Close your loan

The application takes only a few minutes, and may be completed online. During loan processing, expect to supply information including:

  • Copies of pay-stubs and your W-2s
  • Credit check
  • Asset evaluation
  • Property appraisal
  • Other documentation as required to close your loan

The loan process usually takes 30-45 days to complete, so make sure to respond promptly to avoid delays. 

Repayment Terms

Repayment terms at Point Mortgage range from 10 to 30 years. That said, you’ll need to contact Point Mortgage directly to get a quote for the APR, regardless of the duration.

Help & Support

You can contact Point’s customer service team by phone from 8am-5pm (PT), Monday-Friday at 619-492-5626.

You may also reach out via email at: contact@pointmtg.com.

Summary

Point Mortgage offers conventional, jumbo, FHA, VA, and USDA mortgages with low interest rates for as little as 3% down. Existing homeowners can apply for a loan to refinance their current mortgage or for a line of credit. It only takes a few minutes to prequalify and the application may be completed fully online. 

FAQs

When should I refinance?

Generally, if mortgage rates are 2% lower than your current rate. 

Should I pay points to lower my interest rate?

Yes, if you plan to stay in your property for at least a few years.

What does it mean to lock the interest rate?

Rates can change from the day you apply to the day you close on your loan. For a small fee, your lender can “lock-in” your interest rate for a specific period of time.

What is an appraisal?

An estimate of your property’s fair market value. 

What happens at closing?

The ownership of the property is officially transferred from the seller to you. 

Physical Address

2421 Fenton St, Chula Vista, CA 91914

Methodology

This review was based upon information from the company’s website and conversations with its customer service staff. 

Point Point Visit Point

Patrick Sather
Written byPatrick Sather

Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

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Point
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  • author
    Charles
    2 days ago
    Great experience

    Great experience. Took longer than I thought to finalize, but we got there. All of the Point people we worked with were excellent & went the extra mile to make sure that this went through as efficiently as possible.

    ...

  • author
    Brenna
    2 days ago
    My questions were answered but only…

    My questions were answered but only after I had to send multiple emails to get a response. Other than the lack of communication-the process once the appraisal happened took about 3 weeks.

    ...

  • author
    JRG
    3 days ago
    Point is "On Point"

    Point is totally "on point" in their mission to help homeowners tap into their home equity which is not openly available from traditional banks. In doing so, homeowners like us are given a second chance in life, to reset our goals and priorities, towards a better and healthy future. Point's entire process was a "breeze" compared to previous applications that we had. They have utilized the most advanced technology to communicate with us -with truth and transparency- and kept us well informed during the entire application process. Response time from each team member was unbelievable! Tom Bulleri, Nooh Kader and Jennifer Cuddigan were all amazing. Their level of professionalism and efficiency were above par. The escrow company also did their part. You guys have certainly raised the bar in customer service and for that we are very grateful Thank you Point for all that you do and may you continue to help many more homeowners like us.

    ...

  • author
    Michael
    Oct 13, 2021
    Pointe was the perfect solution for my…

    Pointe was the perfect solution for my situation. Everything was explained clearly and done in a timely manner.

    ...

  • author
    Bridget P.
    Oct 13, 2021
    My account manager Ian Gray was…

    My account manager Ian Gray was wonderful. He answered all of my emails and questions very quickly. Everyone I dealt with throughout the process was very friendly. They sent me an email right away giving me a timeline of the process and kept me updated everytime my application went through to the next step. Once the appraisal came back, the process moved very quickly and I went to closing within a week. Thank you!

    ...

  • author
    sonia
    Oct 13, 2021
    Everything was great from start to…excellent service!

    Everything was great from start to finish! Now I will be able to get my backyard enclosure done and a spa to enjoy! Paid credit cards it’s been really great working with Point!!!

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  • author
    Nancy
    Oct 13, 2021
    Great timely service.

    Great timely service.

    ...

  • author
    Christopher
    Oct 13, 2021
    Great product

    Great product, very happy with the application process and the customer service!

    ...

  • author
    Michelle
    Oct 12, 2021
    Point was a life saver for me!

    Point was a life saver for me!

    ...

  • author
    Min chao
    Oct 11, 2021
    Time consuming

    Overall I like the point service! However the wait time is ridiculous! If you in the rush to access the fund! Definite not recommended! Otherwise is all good!

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  • author
    NOVO_ FF
    Oct 08, 2021
    توقعات

    Your role is the most important when you make a final decision.

    ...

  • author
    Daryl Miller
    Oct 07, 2021
    Amazing! Sang and Nooh were so great

    Working with Point was such a easy process. Sang was so very helpful throughout the whole process and Nooh made the closing fast and easy. Every question I had was answered quickly and every concern was addressed. Point help me out tremendously and I enjoyed working with them. I appreciate all the hard work, thank you so very much Sang, Nooh, and Point!

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  • author
    Barry
    Oct 06, 2021
    From the 1st phone call and throughout…

    From the 1st phone call and throughout the entire process I was extremely impressed with the knowledge and response time of all of the representatives from Point. The opportunity to review documents without pressure, ask questions and get concrete answers was very reassuring especially since this was a whole new process for me. I'd recommend Point, and have, to my neighbors and anyone seeking to get access to the equity in their homes without going through the onerous process that typical mortgage companies put you through.

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  • author
    Jose
    Oct 05, 2021
    Eyes wide open… Great People

    I contacted Point as my options were limited considering my circumstances. Point was clear on their terms, and thoroughly reviewed my options. Like many these days, the financing Point offers was purely attributed to the equity on my property and a partnership on the future equity. They believed in me and did a phenomenal job being clear on the timing and my options. Andrew, Rajas and John are professionals and always responsive to my many questions. I highly recommend Point, the Team and their product when you decide that this option is your best choice. I’m very clear on their financing product (eyes wide open) and thankful for their help. It’s what we needed at the time.

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  • author
    Dean
    Oct 05, 2021
    Great Program, Great People, Great Company

    Point's HEI program has turned out to be the absolute best method for taking advantage of the increased value of my home. More than that, though, I was really impressed with how well I was treated. At every step of the way the representatives I dealt with at Point demonstrated friendliness, courtesy, understanding and diligence as they patiently guided me through the process. I honestly don't think I could have encountered a nicer bunch of people. Christie, John and Brittany...Thank-you so much!

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  • author
    Jennifer Viente
    Oct 05, 2021
    Great service!

    Point exceeded our expectations with their feedback, transparency, and customer service. The only blemish was that the timeline was very long for the entire process,

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  • author
    Doris
    Oct 05, 2021
    I just want to say thank you so much…

    I just want to say thank you so much for your service.

    ...

  • author
    Shelley Chaney Floyd Jr
    Oct 04, 2021
    This experience was Life changing!

    Kenneth did a wonderful job. Thank you again for this opportunity which was life changing. I can't tell you enough how it feels not to worry about the next month's bills and whether I need to get a job at 71 yrs old. May God bless you and the POINT team for the work you are doing. I am putting air conditioning in the mobile home! I recommend Point to anyone needing access to their home equity. The process was efficient, transparent and easier to qualify than refinancing.

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  • author
    Magdalena
    Oct 04, 2021
    Excellent Service

    Excellent Service

    ...

  • author
    Courtney
    Oct 04, 2021
    Point is the solution

    I was able to access some of the equity in my home without my credit being perfect. The process was pretty smooth thanks to my account manager, Tom. I would definitely recommend Point as a finance solution for homeowners.

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  • author
    customer
    Sep 30, 2021
    Point was very professional and…

    Point was very professional and thourough. I was very happy with the results.

    ...

  • author
    Gail
    Sep 30, 2021
    Good solution if you can't get a standard loan

    Most of my transaction was easy but when it came time to close, I ended up working with 2 people who were not communicating. If the second one would have stopped interfering, the closing would have been easier. Otherwise, the process is quite simple.

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  • author
    Latesha
    Sep 29, 2021
    Pleased with service.

    I was very pleased with this service. I highly recommend.

    ...

  • author
    Daniel
    Sep 28, 2021
    Mixed experience

    The people I dealt were polite and professional. Did hit some friction at one step in the process but they responded effectively to clear it up. Point did a great job of educating the customer. At no point was there ever any pressure. Over all - great experience.

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  • author
    Ronald Graham
    Sep 20, 2021
    I initially tried to connect with Point…

    I initially tried to connect with Point over the phone. I think going online is more efficient and faster.

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  • author
    Jon
    Sep 17, 2021
    I am very pleased to rate my experience…

    I am very pleased to rate my experience with Point as a 5 star. From start to completion, the people that I worked with were always helpful and answered any questions that I had. The process was very streamlined and I couldn't ask for anything better. If you are in a position that conventional methods of utilizing your home equity are just out of reach, this is a great alternative. I definitely recommend.

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  • author
    orrin
    Sep 15, 2021
    Im satisfied on everybody and everybody…

    Im satisfied on everybody and everybody i talk to are very patience and explained to me in courteous way to make sure i understood. Why i only gave 4 stars is because the times i called, no one ever answer, and it took awhile for anyone to call me back.

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  • author
    w johnson
    Sep 15, 2021
    The Point is a God Send! I highly recommend them to anyone!

    The Point has saved my life and provided the resources needed during this difficult times. Not everyone can be Jeff Bezo's and Bill Gates but the Point allows normal people to continue to meet their life's obligations!

    ...

  • author
    clark
    Sep 14, 2021
    Point was a good choice for me…

    Point was a good choice for me financially. They gave me extra cash to pay off some bills and do some upgrades to my house to make it easier for my wife which is disabled. I didn’t want to get a second or cash out on my mortgage I didn’t want any extra monthly payments so this worked out perfectly in our situation I’m glad point was there to help us.

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  • author
    Vince
    Sep 13, 2021
    Very cool alternative to traditional…

    Very cool alternative to traditional ways of getting money out of your home. People were very nice and process pretty simplistic. Takes longer than you'd like but worth it.

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  • author
    Alicia
    Sep 10, 2021
    Great service

    Great service, up front with the product information, Abilene was friendly and always called me back, she was awesome!

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  • author
    Annmarie
    Sep 09, 2021
    They are great

    They are great If I had one complaint is communication with updates could improve alot.

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  • author
    John
    Sep 09, 2021
    The whole process went very smoothly…

    The whole process went very smoothly from start to finish. Communication was excellent!!

    ...

  • author
    Eric
    Sep 08, 2021
    Easy and straight forward

    Easy, straight forward, and the process went fairly smooth. The amounts to be lended were comparable to the original estimate.

    ...

  • author
    Dwayne
    Sep 08, 2021
    They stayed through the entire process

    They stayed through the entire process. Thank you!

    ...

  • author
    Ali B.
    Sep 08, 2021
    This was an amazing opportunity for us…

    This was an amazing opportunity for us to make some needed renovations to our home. We can't thank Point enough. The process was fairly easy and timely. The staff were all super responsive and helpful. Excellent job all the way around!

    ...

  • author
    Jesus
    Sep 07, 2021
    Point did a good job in helping me out…

    Point did a good job in helping me out just like any other company to get an equity loan the difference is they keep you in the loop tell what’s next and when to expect the next task Ken and his crew we’re extremely helpful if I knew somebody with challenging credit just like me I would recommend point first.👍

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  • author
    Realtor
    Sep 06, 2021
    Great creative program, but it’s an expensive option.

    Customer service was excellent, however process took longer than expected, requiring multiple pulls of my credit report, which affects my credit rating. In addition, I was initially promised a 12% promotional cap on the first year interest, but that was not honored. Great creative program, but it’s an expensive option for homeowners.

    ...

  • author
    KEARNEY/DONNELL
    Sep 06, 2021
    I was very impressed with Point because…

    I was very impressed with Point because of their professionalism, knowledge, thoroughness, and delivering on their promises. Dealing with Point allowed my wife and I to pay off our debts and accomplish some other financial goals for the future. Without Point, we would not only have a secure financial future, but we would not have the high end credit scores either. If you want to change your financial situation or pay off some bills, I highly recommend Point! 👌

    ...

  • author
    ShellyAnn
    Sep 04, 2021
    Point allowed me “access” to home…

    Point allowed me “access” to home equity to pay off debt, keep my home and be able to live on what I earn instead of seeking deeper into debt each month. The peace of mind enabled by this opportunity is priceless

    ...

  • author
    Jennifer
    Sep 01, 2021
    complex financial situation, but if you have patience POINT does what they promise.

    I have a complex financial situation. It took a bit for everything to get straightened out, but it was worth it. Some major bills were paid off, and I have been able to make some minor repairs and updates around the house. The breathing room this has given to my budget has been a blessing. It's my home, and it's my equity. I am happy that I can access the equity in my home and not worry about repaying the investment right away. And I do need to say, I am so happy with the customer service and communication every step of the way. Abilene was so patient with my OCD and hundred questions, she was always so quick to reply to my emails, even on the weekend. Jennifer and Kimberly were keeping me up to date and explained next steps clearly. I was on the road for a planned trip during my scheduled final call. I emailed Kimberly ahead of time and let her know my situation. My reception was spotty, and she kept calling back every time I lost my signal until the call was completed.

    ...

  • author
    Michael
    Sep 01, 2021
    Very easy process to sign up they…

    Very easy process to sign up they really help me jump through hoops to get my insurance information information taking care of. Highly recommend

    ...

  • author
    Arthur
    Aug 31, 2021
    Great Deal

    This loan allowed us to take care of some financial situations, and do some home improvement without the additional burden of monthly payments, Just awesome. Thank You Point

    ...

  • author
    Nancy-Point Richmond,CA
    Aug 31, 2021
    Great Financial Partner

    Point has helped me twice to tap my home equity without taking out a new loan. Their shared equity program is fair and very much appreciated as I plan to keep my home for the long term. They were also amazing and patient about resolving and removing inaccurate information on my title.

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  • author
    Anastasia
    Aug 31, 2021
    Had communication issues

    Had communication issues; was hard to get a hold of anyone by phone. Too many delays with the process.

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  • author
    Josefa
    Aug 30, 2021
    We had a great overall experience with…

    We had a great overall experience with point very detailed took time but end result was good.tom bulleri the account manager was very prompt and always kept us informed on the status and progress on the application.he did a great job.the closing was good also. I would recommend point to friends and family.thks

    ...

  • author
    AJ
    Aug 27, 2021
    Excellent customer service.

    Excellent customer service.

    ...

  • author
    Lisa
    Aug 24, 2021
    The process was slow but everyone who…

    The process was slow but everyone who worked on my case was very nice.

    ...

  • author
    MARIA
    Aug 20, 2021
    Excellent company

    Excellent company. I do recommend Point. Reliable professional at all times. Thank you Tom !

    ...

  • author
    Randy
    Aug 19, 2021
    When others doubt your true intentions

    When others doubt your true intentions, Point allows you to prove you are worthy of making good sound financial decisions.

    ...

  • author
    Marie Howser
    Aug 19, 2021
    The process was painless

    The process was painless. Ken kept in contact on issues with documents or information needed on my part. Ken stayed on the phone with the mortgage company to help with getting information and details of one particular issue for nearly 1/2 hour. Altogether, the customer service from Ken's assistant was right on task. Each step was explained in detail. The notary from Spruce who was assigned the final task of getting each document signed correctly was so helpful and exact. Overall 5 start rating. for everyone

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  • author
    Dianne
    Aug 19, 2021
    Point did a nice job!

    Point did a nice job. Victor and Angela also did a great job immediately answering any question that was asked right away. A well deserved 5 star review for the Point.

    ...

  • author
    Charles
    Aug 18, 2021
    Your people overcame the west coast…

    Your people overcame the west coast east coast problem very well They all were very professional

    ...

  • author
    Michelle
    Aug 18, 2021
    I am forever grateful for Point...

    I am forever grateful for Point being there when I had nowhere else to go for help. Borrowing from the equity in my home allowed me to pay off all of my personal loans, credit cards, collection accounts - and will allow me to make a few home improvements as well. They gave me a chance to improve my financial situation and get my life back on track. Andrew Lee and his teammate Brittany were great to work with. They remained in communication with me from beginning to end. Jonathan was also great to work with during the underwriting process through completion. I would highly recommend Point to anyone looking for a way to move ahead without the monthly payments as long as they are serious about rebuilding their financial situation, and pay off their debt to Point sooner rather than later.

    ...

  • author
    Bradley Moffatt
    Aug 16, 2021
    Excellent people

    Excellent people, outstanding service. From beginning to end this was a very smooth transaction. This process will go as fast as you are prepared to provide them with full documentation on your finances. Be sure to have at least ordered official payoffs on any home loans, 2nd mortgages, forbearance notes etc. before beginning. Be prepared to wait 3 to 4 weeks for title search. Everything else went really quick.

    ...

  • author
    Lee Fiorina
    Aug 16, 2021
    A Loan with Zero Monthly Payments

    We found Point very easy to work with and they offered the right product for us that fit our situation perfectly. They were very professional and totally committed to make sure that you have a full understanding of the product and how it all will work. The entire process was as advertised.

    ...

  • author
    Sean
    Aug 13, 2021
    The process just took a very long time

    The process just took a very long time

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  • author
    Dean
    Aug 13, 2021
    Sang Trong was the best very efficient…

    Sang Trong was the best very efficient and passionate about her job very knowledgeable

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  • author
    Sheri
    Aug 11, 2021
    The process was relatively easy and…

    The process was relatively easy and quick. Point solved my issues with accessing my equity and helped me take care of the problems I was having with my home by getting me the funds that I needed. Definitely recommend.

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  • author
    Ronald M
    Aug 11, 2021
    It took a long time

    It took a long time. Need to keep the customer more in the loop. If there is a problem call. Some emails I didn’t see for days and was never called. If there are problems or delay they don’t say anything you have to call them. Other than that it was good.

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  • author
    BIANCA
    Aug 11, 2021
    Professional and responsive throughout…

    Professional and responsive throughout the loan process. Fully explained process so there were no surprises. Fast from start to fund.

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  • author
    Diana
    Aug 11, 2021
    Thank you

    Good company to work with

    ...

  • author
    Lisa
    Aug 11, 2021
    Great communication

    Great communication

    ...

  • author
    NOVO_ FF
    Aug 08, 2021
    The application is very review and…

    The application is very review and interesting

    ...

  • author
    Derrick
    Aug 07, 2021
    The process was so easy

    The process was so easy. I received an email telling me that I’ve completed one in the process and here how to start the next and who would be contacting me. I could always check the status of my application.

    ...

  • author
    Toni
    Aug 06, 2021
    I loved the company I had a few people…

    I loved the company I had a few people who were very helpful just wish they maybe cared a little bit more

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  • author
    Shondala
    Aug 05, 2021
    The process was simple and transparent.

    The process was simple and transparent.

    ...

  • author
    Luc Adams
    Aug 04, 2021
    Point is very easy to deal with

    Point is very easy to deal with. There people are caring they always responded when I had a question.

    ...

  • author
    Patrick
    Aug 04, 2021
    Point Review

    Good service, good communication

    ...

  • author
    Jason
    Aug 04, 2021
    Outstanding service from start to…

    Outstanding service from start to finish. I am a mortgage loan officer and wished my company was this efficient. Nice job Point!

    ...

  • author
    Harold
    Aug 03, 2021
    Everyone at point was very helpful

    Everyone at point was very helpful . They answered my questions and always called me back

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  • author
    Frank Carter
    Aug 03, 2021
    ALL WENT GOOD

    ALL WENT GOOD. BUT I THINK THERE SHOULD HAVE BEEN AN OPTION TO GET MORE MONEY OUT. AND TOOK LONGER THAN EXPECTED

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  • author
    Odd
    Aug 02, 2021
    Straight forward and very professional!

    Straight forward and very professional!

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  • author
    Larry
    Aug 02, 2021
    Awesome company

    Awesome company. Easy to work with.

    ...

  • author
    Nancy-Shoreline,WA
    Aug 02, 2021
    Point was able to get me the funds I…

    Point was able to get me the funds I need to pay off some debt, bring my mortgage current, and do some updates to my home to get it ready to put on the market. I appreciated their patience!

    ...

  • author
    Earl Green
    Jul 31, 2021
    Great Team!

    From the first conversation with Point through the entire process they were extremely helpful. Their process was super easy to navigate and they were there for every question or concern I had. I would recommend them to anyone who needs help with their home equity finances. Great team!

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  • author
    James
    Jul 29, 2021
    Point talked to us when no one else…

    Point talked to us when no one else would due to lower credit scores. They were up front in all info they shared, and within 2 months of starting the process with them our deal was completed. The staff were helpful and responsive to questions throughout the entire process. I have no complaints and would happily work with them again.

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  • author
    Linda
    Jul 28, 2021
    Thank you for your excellent service…

    Thank you for your excellent service and speed. Your service and professionalism were greatly appreciated. I will recommend your company highly. Again my sincere thanks.

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  • author
    Cheryl Bruce-jones
    Jul 28, 2021
    Point was very hands on

    Point was very hands on. They followed up on their request and all of your concerns. The associates were very personable and professional. The process is very easy. They explain every step.

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  • author
    Anna
    Jul 28, 2021
    We are so thankful to have come across…

    We are so thankful to have come across Point and they have been a blessing to me & my family. Phil, our Points Representative was amazing, always very detailed, and professional. Everything was mainly done online but were still able to communicate with Phil throughout the entire process from beginning to end. It was pretty quick and they disbursed our funds within a few days from closing. I definitely recommend Point.

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  • author
    Regina
    Jul 26, 2021
    I was very satisfied with everything…

    I was very satisfied with everything from start to finish!! Tom Bulleri was very professional!!

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  • author
    Joi
    Jul 19, 2021
    Point saved the day!

    My experience working with Point was great. Everyone I spoke with was professional and easy to communicate with. The process was quick, from application to funding took about a month. Point makes it so easy! Thank you for patiently answering all my questions.

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  • author
    Aung Thein Htaik
    Jul 18, 2021
    Points is not buy.

    Points is not buy.

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  • author
    Sal
    Jul 14, 2021
    Ken helped me all the way and go above…

    Ken helped me all the way and go above and beyond to push my transaction

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  • author
    Michael
    Jul 14, 2021
    We were very pleased and happy how easy…

    We were very pleased and happy how easy this was for us, Thank you to Tom who answered all my emails, with in hours and made it so smooth. Also Elena who finished it off , it was easy and fast, now we are on to remodeling our house and getting things done

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  • author
    Fab K.
    Jul 13, 2021
    Fantastic Service

    Fantastic Service! Point is one of a kind. It is an opportunity to start anew. If you are equity rich but cash poor, Point is the solution that allows you rebuild/restart without immediate debt and payments. It is truly the best solution to tap into cash without the immediate weight and obligation of ongoing payments. Highly recommend Point for the responsible homeowner in need of a financial restart.

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  • author
    Joshua
    Jul 09, 2021
    Great service- very lengthy.

    I would like to thank you for the assistance in everything to obtain the loan. The only complaint I had was the time it took to close. Dealing with multiple people to handle the whole process felt unnecessary and caused some of the extended time for the process.

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  • author
    Sam Chaaraoui
    Jul 09, 2021
    good customer services fund in my…

    good customer services fund in my account 3 weeks the fee are little high

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  • author
    Gina Marie Quick
    Jul 09, 2021
    Excellent process all the way through…

    Excellent process all the way through to the funding. Point executes the steps clearly, thoroughly and expeditiously. I’ve been through quite a few real estate transactions throughout my life and Point is by far the easiest and most stress free!

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  • author
    Terry
    Jul 08, 2021
    Still don’t have my funds after telling…

    Still don’t have my funds after telling me they would be in my bank account within 3 business days as agreed. Angela and Victor were very helpful.

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  • author
    Chris
    Jul 06, 2021
    Great service very thankful to all who…

    Great service very thankful to all who helped

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  • author
    David
    Jul 06, 2021
    Communication was great

    Communication was great All promises made were kept and delivered.

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  • author
    Aladin
    Jul 05, 2021
    Review

    Elyana & Elena were very helpful

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  • author
    Grant
    Jul 05, 2021
    Point made it very simple to understand…

    Point made it very simple to understand and accomplish.

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  • author
    Claudia
    Jul 05, 2021
    Point was great and helpful when I…review

    Point was great and helpful when I needed it the most. I’m very thankful that I found your service and was able to keep my house.

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  • author
    Nicole
    Jul 05, 2021
    A very nice company to work with

    A very nice company to work with. The process to get cash our of my house from Point was very easy! Their staff was very helpful and very friendly. I highly recommend them!

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  • author
    STEPHANIE
    Jul 02, 2021
    Excellent service from all

    Excellent service from all. Very nice experience. Enjoyed working with professionals.

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  • author
    Janet
    Jul 02, 2021
    Very grateful

    Pointe was there for our equity cash out when other companies would not help us. We are now debt free with a positive cash flow our credit scores are improving and the future looks brighter thank you to Pointe and the team that worked with us. Especially Victor who was always spot on and quick to answer even my most unsophisticated questions

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  • author
    Lynda Cheseldine
    Jun 30, 2021
    Point is The Best Option to Regain Your Financial Freedom

    The overall process was challenging and long but, I am very satisfied with the customer service that was provided to me. If you're in a bind this is the best option to get funding on the equity in your home hands down! Once you know you are approved, you will need a copy of the HOA Master Insurance Policy declaration page if you pay dues on an HOA. I was not informed of this necessity until much later. Of course you will need to have your own Home Owners Insurance Policy updated with Point added. Hopefully this information will make the process easier and smoother for the next customer. Point helped me financially to get back on my feet again!

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  • author
    Anonymous
    Jun 29, 2021
    From Beginning To End

    From beginning to end, the folks at Point were on point, no pun intended. I had the best representative I could ask could ask for, Abilene Espino. She never left one message unanswered, put up with my million questions always with an upbeat and friendly attitude. Her and her team went above and beyond to assist me getting my funds as quickly as possible knowing I had deadlines to meet...and they made sure I met them. My loan process overall was smooth as ice from beginning to end and I credit these folks every step of the way. I would recommend anyone to Point.

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