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Point Mortgage Review

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Reviews 546

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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

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 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.

Point
Point
ExcellentReviews 546
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Trustpilot reviews

See what some costumers are saying about Point
Point
ExcellentReviews 546
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Excellent
77%
Great
13%
Average
5%
Poor
2%
Bad
3%
  • author
    MARIA
    3 days ago
    It has been so easy

    It has been so easy. Thank you! Our family will be able to do our home projects! Loved working with you.

    ...

  • author
    customer
    a day ago
    This Company has the worst…

    This Company has the worst communication. I can’t tell whether my Wife and I are denied or approved for a point home equity investment. We had the appraisal done in December. That came back great better than expected but then we hit a snag they are saying my Wife is not on the mortgage statement. Well, I could have told you this week’s ago, now they have waisted their money on an appraisal. And they now won’t tell us how to proceed because I must be the primary applicant because my name is the only on the mortgage, but my credit is not great. My Wife’s credit is better so here we are with no answer from point whether we can move forward. I wish they wouldn’t have wasted so much of our time.

    ...

  • author
    Christopher
    Jan 18, 2022
    I am writing to let anyone interested…

    I am writing to let anyone interested in using Point, I had nothing but Great experience, everyone was professional and so helpful along the way.

    ...

  • author
    Eric
    Jan 18, 2022
    Great job

    Great job, prompt service

    ...

  • author
    Robert
    Jan 18, 2022
    The team did an awesome job

    The team did an awesome job. They helped me every step of the way.

    ...

  • author
    Lamont
    Jan 17, 2022
    The process was good

    The process was good

    ...

  • author
    TERRYL R
    Jan 17, 2022
    everyone I dealt with was wonderful

    everyone I dealt with was wonderful. point came thru and we closed on our loan everything is wonderful now. Thanks to point

    ...

  • author
    Elmer
    Jan 17, 2022
    Great company very friendly people to…

    Great company very friendly people to work with.

    ...

  • author
    JOAN PARKS
    Jan 17, 2022
    It took 4 months to complete this…

    It took 4 months to complete this transaction through no fault of my own which is completely unacceptable!

    ...

  • author
    Natalie
    Jan 17, 2022
    Conventional home equity loans did not…

    Conventional home equity loans did not suit our current financial needs. We connected with Point and the staff was exceptionally professional and responsive to our application and special timing request for funding. So glad we decided to do business with them. Keyerra especially, and Brittany and John were diligent in helping us—getting our application completed, documented, approved and funded. We highly recommend Point!

    ...

  • author
    Kellie
    Jan 16, 2022
    Point was exactly what I needed since I…

    Point was exactly what I needed since I wasn't able to qualify for HELOC. Point offer was more than what I would of gotten from HELOC so I'm able now to due my home improvements. They said in touch with me and made the process quick and easy and received my funds in 7 weeks. I highly recommend Point.

    ...

  • author
    JF
    Jan 16, 2022
    POINT delivered

    POINT delivered on their initial equity lending estimates. They were organized and thorough. Staff was reponsive to questions.

    ...

  • author
    Kristie
    Jan 16, 2022
    Excellent service

    Excellent service, Thank you for all your dedicated team’s effort!

    ...

  • author
    Ronnie
    Jan 13, 2022
    I accomplished my needs.

    It went well at the end and I got what I needed accomplished. It just took longer than first quoted but overall it was worth it.

    ...

  • author
    James
    Jan 11, 2022
    Misleading information.

    Misleading information.

    ...

  • author
    RICHARD PAYNE Sr
    Jan 11, 2022
    Unique way to access part of your equity.

    I was skeptical at first and it was hard to understand the program at first but, I grew to understand it. Before an email solicitation I had never heard of this program and I am in the Real Estate Business. The program enabled me to buy a second house cash and make no payments on it, while I start to transition to the second house for retirement and sell my large existing house. Tom my loan originator was great, knowledgeable and responsive. Point makes every effort for you to understand the program before committing to it. It was exactly what I needed.

    ...

  • author
    Richard
    Jan 11, 2022
    no money after promise of delivery and…

    no money after promise of delivery and you guys asking for a pat on the back is 6days late still waiting for money what is going on?

    ...

  • author
    Terry
    Jan 11, 2022
    It was a great process !!!!!!

    It was a great process !!!!!!

    ...

  • author
    D E
    Jan 10, 2022
    Satisfied Customer

    Early part of the process was slow, but when it finally reached closing everything went well

    ...

  • author
    Natalie
    Jan 06, 2022
    Stellar Service from Keyerra Perkins

    Our primary contact with Point was Keyerra Perkins. She was awesome from start to finish—professional, responsive and pleasant. I can only hope that all of my future financial need are met with such tenacity and stellar customer service. Thank you Point and thank you Keyerra Perkins—you’re the best!!!

    ...

  • author
    Robert H Weinstein
    Jan 05, 2022
    I am delighted with the opportunity Point provided me

    I am delighted with the opportunity provided to me by Point to tremendous improve my financial security and relieve me of serious ongoing stress and anxiety resulting from my inability to obtain conventional refinancing for my home of 19 years despite having much more than $1,000,000 in equity and good credit, only because my income to expense ratio was not satisfactory to normal lenders. Now I know I will be able to stay in my home for many more years, and have the financial resources to maintain the home and enjoy a more enjoyable and comfortable lifestyle as well. Point's plan is uniquely suitable for me as I am 68 yrs. old with no dependents, so the hit I will take when I sell my house and repay Point is not a major issue for me.

    ...

  • author
    Kevin
    Jan 13, 2022
    Over all a Great Experience

    The first person that had my file would forget things and so forth that dragged it out. The second person that took over Sang Truong was great made sure I was up to speed on everything and moved it right though over all a great experience

    ...

  • author
    Mindee
    Jan 04, 2022
    Just the right option at just the right…

    Just the right option at just the right time. Point had everything I needed and the help & personal support I really needed. Every step I took I had an opportunity to discuss with a knowledgeable team member. They take care of all the details without you having to schedule your time around them. I’m truly appreciative of all the services and outcome thus far. Payback process still unknown….

    ...

  • author
    RICHARD
    Jan 03, 2022
    From Phil to John

    From Phil to John, your team seamlessly guided me through this process and helped me on my way to financial independence. Thank you, Mike Grier

    ...

  • author
    sam mak
    Jan 03, 2022
    I’ve been in the underwriter will…

    I’ve been in the underwriter will review your file for the last 2 month, I applied in October, the appraisal went super fast, a week after I applied and appraisal was done and completed. I was told they are waiting on title for the last 2 months and Every time I ask I get the same response, for some reason they keep saying they can’t find my recorded deed, I asked if I need to call my mortgage provider and they said everything is all good and when I contact my rep she tells me to call and request for a title from my mortgage provider, I’m confused on what to do and who to talk to because every week it’s something different. I’ve seen people post reviews and said that their process took a month from beginning to end…. Can someone from point help me finish my application process???

    ...

  • author
    Stephen
    Jan 02, 2022
    Service was great

    Service was great

    ...

  • author
    Thomas Owens
    Dec 30, 2021
    Need a loan for a car

    I am trying to get a loan for a car so

    ...

  • author
    clarence
    Dec 30, 2021
    I received my point loan super fast and…

    I received my point loan super fast and they kept in touch with me every step

    ...

  • author
    William Holley
    Dec 30, 2021
    Getting very discouraged

    I have been in the process for over 2 months. For the past week I have been told my file is in final pricing. How can it take over a week for that? I'm getting very discouraged. I scheduled a phone meeting with my rep but she sent me an email instead repeating the same information. "It's in final pricing" and "I promise to stay on top of the file". That was two days ago. The next available appt isn't until Jan 3rd. Meanwhile I get several marketing emails from Point each day. At this point, I don't know what to think. It should be a no brainer. I have no mortgage, I'm the sole owner with no leans and the house actually appraised for much more than I paid for it just 8 months ago. Don't know if it's my rep or the organization. I'll see what she has to say on Jan 3rd but if this thing isn't buttoned up by then, I'll have to change reps and start all over or go with a different company or different route alltogether.

    ...

  • author
    Raymond
    Dec 29, 2021
    Mostly the overall experience was good…

    Mostly the overall experience was good the people were friendly and helpful and knowledgeable but the process took longer then it should over something that didnt exist once that problem was resolved everything was good

    ...

  • author
    Gerald A. Garrity
    Dec 29, 2021
    Excellent customer service

    Excellent customer service. Very professional, responsive, timely and accurate. Staff is a pleasure to deal with. Highly recommend Point to those who can use their services and product.

    ...

  • author
    Naresh Samuel
    Dec 28, 2021
    What can I say about Point!!!

    What can I say about Point? The process was simple, the staff was extremely helpful and if if you do find yourself in a bind and have equity in your home, Point will certainly help you with restarting you finances with a clean slate. Thank you Point!

    ...

  • author
    Theodore
    Dec 28, 2021
    The process was easy and easy to…

    The process was easy and easy to understand.very professional.

    ...

  • author
    Michael
    Dec 28, 2021
    Great service

    Great service. All questions answered.

    ...

  • author
    dennis
    Dec 28, 2021
    Very professional staff

    Very professional staff. Great service. I would recommend this company to anyone.

    ...

  • author
    Arnold Torres
    Dec 27, 2021
    I need help with a Loans I always pay…

    I need help with a Loans I always pay my bills the only thing I have is child support if you check my status you see that I'm on top of it I never missed a payment

    ...

  • author
    DONNA ROMANO
    Dec 24, 2021
    It did take a bit of 2 months and there…

    It did take a bit of 2 months and there were problems along the way, however they finally came through and did what they said they would. Jaren, Shanedra, and Wanda helped me through the process and were always there when I have questions. The wire transfer took almost 2 weeks, however they got that corrected and it came through on Christmas Eve. That made my day and year of the pandemic so much better. Now to get my house fixed. One piece of advice I will give those that come after me - The process takes time, so just keep the faith, also if you choose the counseling make sure you sign up quickly as that will delay your funds. The wire transfer took almost 2 weeks due to the bank issues. You may want to elect for the check. I can't say thank you enough to Point and their people!

    ...

  • author
    Paul
    Dec 22, 2021
    Excellent service

    Appreciate your assistance all the way to the finish line. Did what you said you would do.

    ...

  • author
    QUENTIN
    Dec 22, 2021
    A very tedious yet thorough process…

    A very tedious yet thorough process which encompasses a feel of security and relief. All individuals possessed due diligence and the desire to help guide you through the process. Great communication from beginning to the end.

    ...

  • author
    James
    Dec 22, 2021
    I had a great experience with Point

    I had a great experience with Point. what I was told was accurate things moved faster than they said. They explained everything and answered all questions I had to my satisfaction. I understand this is not for everyone but if it is for you I would highly recommend talking with them.

    ...

  • author
    Michele Smith
    Dec 21, 2021
    Very Satisified

    The staff were extremely courteous and helpful during the process. The application was easy and you are kept abreast of the status of your case on a regular basis. They provide a plethora of resources to educate you on their product and what to expect. The closing process was quick and seamless. Staff reached out to you by phone to check up on you. I would recommend Point to anyone looking to draw equity from their home without the necessity of paying the funds back immediately. Big kudos to POINT and all its staff members, particularly Shanedra, LaRay and Abilene. It was a great pleasure working with you all. Michele Smith

    ...

  • author
    Ramon Perez
    Dec 21, 2021
    It took us a little over 2 months to…

    It took us a little over 2 months to complete this transaction. I'm listing some of the problems that I think should be taken under consideration that may help to achieve better service. We were unable to contact your main number when we needed to speak to the various contact persons that were handling our account. We had to send documents more than once to our processor. The Point secure portal never worked for us to send our confidential documents. Having to make a phone appointment was inconvenient. We were frustrated and having to keep getting several e-mails to agree to the loan amount became stressful.

    ...

  • author
    Carol
    Dec 17, 2021
    The people that I dealt with were…

    The people that I dealt with were excellent. All my questions were answered promptly & if they didn't have the answer readily available, they were very quick to get an answer. Closing was done in a very timely manner. Would recommend Point to people in my situation (self employed) & having difficulty with other institutions accessing their equity in their homes.

    ...

  • author
    Sandra
    Dec 16, 2021
    Excellent service would highly recommend

    Excellent service would highly recommend

    ...

  • author
    Rayetta
    Dec 15, 2021
    The process was easy and great communication

    The process was easy and communication was great. With all associates on my account if I had a question they followed with a response within 30 mins and if after hours the next morning. I was afraid to refinance due to horror stories. Point made this process smooth and comforting. Thank you all for all of your help.

    ...

  • author
    Yvette
    Dec 15, 2021
    The whole process was so non-…

    The whole process was so non- stressful. I definitely would recommend to anyone. The employees I dealt with were so knowledgeable and polite.

    ...

  • author
    Skip
    Dec 15, 2021
    Great people to deal with it !

    Great people to deal with it !

    ...

  • author
    DJ
    Dec 14, 2021
    This is a great program

    This is a great program. I have been looking for a way to leverage my equity for debt reduction and medical expenses without the cost of doing a refi or HELOC. The Point team was very helpful and I have significantly improved my financial situation. Overall I am very satisfied with the cost, benefits, and process. The only reason I'm not giving 5 stars is that at times, the communication could have been better. Long periods of time went by where I was not sure what was happening or when to expect the next step.

    ...

  • author
    Ana
    Dec 14, 2021
    This experience has been amazing and…

    This experience has been amazing and easy. This process was very new for me and my family and all about concerns and questions were answered and put at ease.

    ...

  • author
    A Carpino
    Dec 14, 2021
    Pretty basic process

    Pretty basic process. Takes a little time, same as the mortgage process. Nothing is hidden it’s all written and easy to understand. You pretty much get a loan for up to 30 years and as your property appreciates in value, Point gets a cut of the profit. If you don’t want a monthly payment than I highly recommend.

    ...

  • author
    Edna Libatique
    Dec 14, 2021
    Point is a life saver

    Point is a life saver! The process was smoother than I thought it would be! The staff was incredible in getting the process fast to close as expected! Mark Rogers was very helpful all the way through all of my questions & as well with Ana Castillo & Courtney Mucker!

    ...

  • author
    Anthony
    Dec 13, 2021
    First time around was great

    First time around was great. This time around i applied 2 months ago and there’s been severe delay, my credit had to be run twice, and i still have not received an answer on my application.

    ...

  • author
    Darrell
    Dec 13, 2021
    Wonder Experience

    Wonder Experience. We were able to pay off all our high interest debt after my disability. And now we do not have to worry about losing our house. Point has been a blessing to us.

    ...

  • author
    Susan
    Dec 10, 2021
    Point offers a way for homeowners to…

    Point offers a way for homeowners to pay off and consolidate debts and provide a way to make necessary home improvements for homeowners who may have had financial problems that keep them from being able to get a traditional refinance. The one thing I would caution is to be prepared to provide a great deal of documentation and also to be prepared for the process to take a long time.

    ...

  • author
    Kat Benn
    Dec 27, 2021
    They kept asking me for more…

    They kept asking me for more documentation to prove what the documentation I already sent said. After over 3 months, I withdrew the application. Regular loans don't come with that many hoops. Response to Point: It went beyond "thorough", into the realm of insulting. Uploading documents wasn't a problem, having to supply more documents to support the prior documents was.

    ...

  • author
    Anthony
    Dec 08, 2021
    I had a great experience it was fast…

    I had a great experience it was fast and friendly respectable and I will recommend you

    ...

  • author
    Julian
    Dec 08, 2021
    Point did a good job on our difficult…

    Point did a good job on our difficult case! They hung in there through thick and thin! The results were what we expected. Many thanks Point

    ...

  • author
    Yvette
    Dec 07, 2021
    Even thou my process was done virtual

    Even thou my process was done virtual, the people that I spoke with always made me feel as if they new me personally. The whole process was very easy and with each issue that arrived the whole team was kept in the loop. At the end I was a very satisficed customer.

    ...

  • author
    Josue
    Dec 07, 2021
    The representatives were great

    The representatives were great! They kept me informed and answered all questions, no matter how many times I contacted them. However, a one month process took almost 4 months to complete.

    ...

  • author
    customer
    Dec 07, 2021
    The experience was good

    The experience was good. The process and technology was excellent. I had a few questions about procedures should I pay off early with paying down for 1st two years and how it works, since the amount was set, and should I rent my house how or where I let Point know, that were not fully explained. I asked during the recession time and did not get a response. It wasn't something I would have cancelled about, but I should had a response. My Loan Agent was responsive, but that wasn't his responsibility at that point.

    ...

  • author
    Ronald W. Johnson
    Dec 05, 2021
    I am greatly satisfied and appreciative…

    I am greatly satisfied and appreciative of the professionalism, service and guidance throughout the process provided by the Point Team in securing resources based on my home equity. The uniquely creative and flexible approach to accessing resources based on the financial value within my home allowed me to improve my cash flow which facilitated the retiring of financial debt and initiating and completing home renovations thus further enhancing the value of my home. The acquisition of resources via the Point investment process was very attractive as it did not increase my current mortgage payments but instead deferred repayment 30 years based on a percentage of my increased home value. I cannot compliment the Point team enough for their accessibility, efficiency and expediency of the process from start to finish in which my funding request was transacted. The entire process exceeded my expectations, and each manager whom I interacted was stellar ambassadors for the Point organization demonstrating outstanding customer service, and treating me as a valued partner.

    ...

  • author
    Mariko Mamadou
    Jan 12, 2022
    Didn't like that most the money went to…

    Didn't like that most the money went to debtors

    ...

  • author
    Bradley
    Dec 01, 2021
    Amazing team helped me get through some…

    Amazing team helped me get through some tough financial times. Very helpful and responsive throughout the entire process. I’m grateful for Navleen and team as they were there fir me when no other financial institution was.

    ...

  • author
    Jace Mattson
    Dec 01, 2021
    Point Made Everything Possible

    If you have an opportunity to work with Point as a means of pulling cash out of your property, you would be well advised to do so. They are user friendly, helpful and very knowledgeable.

    ...

  • author
    Antonio
    Nov 30, 2021
    Took long

    Took long , but you guys were great thanks Arvin for you time and patience.

    ...

  • author
    KIM
    Nov 30, 2021
    All agents we worked with did an…

    All agents we worked with did an excellent job!

    ...

  • author
    Joseph
    Nov 30, 2021
    Took a lot longer than anticipated

    Took a lot longer than anticipated. However, All my contacts at point communicated well and explained things appropriately. Other than time to close from beginning to end, the transaction was pleasant.

    ...

  • author
    David
    Nov 30, 2021
    This may seem too good to be true

    This may seem too good to be true. Without context, there are some videos out there which may paint that picture. But it is well worth investigating. I am lucky to have a background in financing and accounting to be able to run my own numbers, but these guys will also be happy to talk to you about what those numbers entail. I found that in my own case, it was actually a viable financing option which provided an opportunity that would have proven impossible via traditional means. These guys are not so much taking a bet on you, as a normal bank, but rather on the value of your house. That means minimal credit checks. No income verification. Where else can you say that? The only downside I would say is that the process did run a little long for my tastes, at somewhere around a month and a half. But in the end, I was satisfied with my service. I would recommend taking a look.

    ...

  • author
    Cheryl
    Nov 30, 2021
    They did a great job getting me the…

    They did a great job getting me the funds I needed to pay my bills took a little time but worth it would recommend there services to anyone in need

    ...

  • author
    customer
    Nov 30, 2021
    They were very professional and did…

    They were very professional and did what they said they would do, only issue was the appraiser they used, basically, she did not know what she was doing, confused a detached garage with an inside den, referred to a fence as an exterior wall, made negative remarks about the condition of the property that was not supported by the very pictures she took, this caused the value to be lower than it should have been but that was not Point, it was the appraiser.

    ...

  • author
    John
    Nov 29, 2021
    Point is a great financial option for those unable to acquire a HELOC or cash out refinance

    Point is a great financial option for getting equity out of your home if your unable to qualify for HELOC’s, cash out refinancing or other loan products. The process was easy, the staff you work with are awesome and very knowledgeable and patient and professional. My whole process took less than 45 days and was much less work then with HELOC’s and cash out refinancing. Point is a very good solution for those with heavy debt and lots of home equity.

    ...

  • author
    Kerrie
    Nov 29, 2021
    After thoroughly researching this type…

    After thoroughly researching this type of product we felt that it matched our needs perfectly! The fact that there aren’t any monthly payments really helped our cash flow and we were able to pay off all of our high interest credit cards and loans. This greatly improved our credit scores and left us with money for our retirement years. The process is very easy and our representative Ken was extremely helpful in answering all of our questions. I highly recommend this company!

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  • author
    Angel
    Nov 29, 2021
    Very nice to work with.

    Very nice to work with.

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  • author
    Jessica
    Nov 24, 2021
    The process took about 2 months

    The process took about 2 months. Very easy to submit needed documents. Great customer service from Kiera. Definitely recommend to any homeowner that wants to get the equity out of your home without having a monthly payment.

    ...

  • author
    Larry
    Nov 24, 2021
    Great people to work with!

    Great people to work with, from initial contact through the notary coming to the house. They were supposed to directly deposit the proceeds, but the closing company sent a check, which was frustrating.

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  • author
    Kim Elsom
    Nov 23, 2021
    Most friendly and helpful of any…

    Most friendly and helpful of any mortgage loan service we have ever dealt with! Highly recommend Tom Bulleri!

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  • author
    Ernestine - San Bernardino, CA
    Nov 23, 2021
    Just PERFECT!!!!!

    Just PERFECT!!!!!! THANK YOU FOR THE SERVICE GETTING THINGS TOGETHER!!!! PROMPTLY AN EFFICIENTLY!!!! AGAIN THANK YOU!!!!! "HAPPY THANKSGIVING TO ALL THE STAFF AT POINT"!!!!!!!!!!

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  • author
    Dale Vandezande
    Nov 23, 2021
    Friendly staff

    Friendly staff. Way too many third party out sourcing. Took way too long for a simple transaction. Way too many mistakes. I would not do it again.

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  • author
    Michael Jackson
    Nov 23, 2021
    Was the best

    Was the best. They always did everything and update everything

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  • author
    Rob Santini
    Nov 22, 2021
    Everyone was excellent during the…

    Everyone was excellent during the entire process.

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  • author
    LUCY
    Nov 22, 2021
    Point cares for the person not the…

    Point cares for the person not the score. Point gives struggling people a start for a new life and not to worry about the monthly payment. Several bank and loan companies denied my application to refinance my mortgage because of fair credit score. I appreciate the help I got and not to worry how I will pay my bills. Everybody at the Point team are efficient, diligent, trustworthy, professionals and treated me with respect. Ana Castillo helped me a lot and so are Shae Nelson, Courtney Mucker, Stacey Verburgt and Tom Bulleri. Thank you Point.

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  • author
    Joseph
    Nov 22, 2021
    they was the best in helping me with…

    they was the best in helping me with my loan and financial needs if you ever need financial help then i will subject you give points a try

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  • author
    James
    Nov 22, 2021
    Just overall a great company...

    Just overall a great company...

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  • author
    Jasmine Indra
    Nov 22, 2021
    Excellent!

    I have nothing negative to say about Point. Tom Bulleri, who was my account rep, was superb, almost always called back within a day, always ready to help with my questions and concerns, so courteous and supportive, as were the rest of the staff, and my Point loan went smoothly and processed without a hitch! Excellent company!

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  • author
    Jean
    Nov 20, 2021
    Friendly informative staff

    Friendly informative staff, easy process. Quick funding

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  • author
    Kimberly
    Nov 19, 2021
    This is a great option to pay off bills…

    This is a great option to pay off bills with no monthly payments. I do wish that my pre-approved amount was the same as what I received was significantly less than what my actual equity is in the home, but took care of what we needed now. Thank you!

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  • author
    Stephen
    Nov 18, 2021
    A very good option

    A very good option. People were very responsive and helpful. If you are interested in taking out home equity for long term and don't want to increase your current monthly payments, this is a reasonable alternative.

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  • author
    Emari
    Nov 18, 2021
    Use only if you have no other options

    This is not a loan, it's shared equity, and there's a big difference. No doubt this company could help if you're not in good shape financially, or if you have a really low credit score, but I would only recommend using them as a very last resort. I applied when my home value was fairly high, and they dragged their feet on the appraisal until values dropped. Once my value was under their minumim, I got a very short, curt email that read like a dear John letter. This is a company who is in business to make a large profit for themselves, not to help the homeowner. They know exactly what they are doing, and they know how to time their offer to maximize their own return to your detriment. If you really need the money and you can't get a loan, go ahead and use them; they are a legit business and not a scam. However, if there is any way you can avoid giving away an enormous chunk of the profit on your real estate investment, I highly recommend you do what you can to avoid taking this avenue.

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  • author
    Rita
    Nov 17, 2021
    Point.com was extremely helpful with my…

    Point.com was extremely helpful with my loan process. Over the years being in my home, I hesitated visiting something like this because I didn’t know much about taking equity out on my home. Well, after 7 years in my home a door opened for me to do this without the hassle of being approved based around a credit score. I get to stay in my home and has been given the opportunity to do some much needed upgrades in my home as well as paying off credit card debt. I am so grateful for an experienced group of brokers who gave me undivided attention & expertise. I hope to past this process on to other that are looking to borrow against their home & not be in jeopardy of losing their home. Thanks

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  • author
    DH
    Nov 17, 2021
    Working with point was great

    Working with point was great The process was explain well. Very professional quick process. Would recommend to a homeowner

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  • author
    customer
    Nov 17, 2021
    A very helpful program

    A very helpful program, professional representatives that were responsive, helpful, honest, this was a safe, easy, and smooth process.

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  • author
    Paul
    Nov 17, 2021
    I have none

    I have none at this time

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  • author
    Frank, Stephan
    Nov 17, 2021
    The staff was very professional and…

    The staff was very professional and helpful. I would refer Point to anyone

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  • author
    Susan
    Nov 16, 2021
    We were very pleased

    We were very pleased at the end of the process. Closing went quickly and much helpful information was provided by Point. During the application process things did get hung up a couple of times, and the account manager smoothed things out.

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  • author
    Kevin
    Nov 12, 2021
    My Point Experience

    Dealing with Point was an overall good experience, everything was explained clearly and it all went smoothly.

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  • author
    Brooke
    Nov 11, 2021
    Point.com was the answer to our…

    Point.com was the answer to our prayers! We found ourselves in a unique position of being property rich and cash poor. We could not qualify for a home equity loan due to insufficient income and could not do a reverse mortgage because of my (young) age. I got the flyer in the mail from Point.com and it went straight to the trash like all of the other crappy loan offers. Something made me go into the trash and retrieve it. Thank GOD I did! I called to find out what was different about this company and spoke with A.T. who was very helpful. I had to do my research so A.T. sent me links to their information for me to read. The material was very clear and descriptive. Then I scoured the internet for any hint of negativity or whiff of scam. I came up empty! So we decided to go through with this...it's not a loan...I'm not sure what to call it. It took approximately the same amount of time as closing on a mortgage. Our agent, A.T. was awesome! He was always available by email and usually got my questions answered within minutes! Our experience with Point.com was life changing. And I do not typically write reviews. But this time I felt that people really do need to know about this unique business model and the professional people that work to make it happen.

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  • author
    Deanna
    Nov 11, 2021
    The process took a little longer than…

    The process took a little longer than expected, but nonetheless, the team I worked with were very helpful, efficient and thorough. Most of my emails had a 24 hour response time or less. Once I submitted all the paperwork that was needed and it was time to sign with a notary that they provided, it was fast and easy from that point. I am very pleased with my decision to go with Point.

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  • author
    debby
    Nov 11, 2021
    All in all good.At times I had a hard…

    All in all good.At times I had a hard time getting in contact or calls back from my contact Ana. Lots of duplicate requests for things from the underwriter. When everything was processed and sent on to the coordinator for the signing, everything went very quickly. Brittany was awesome. The time frame from beginning to signing took over 3 months,so I thought that was slow, but I would recommend them on the whole.

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  • author
    Barbie
    Nov 11, 2021
    Great experience

    Great experience - and Point made every effort to make the tr transaction seamless. Well done.

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  • author
    Steven
    Nov 10, 2021
    Good communication, straightforward process and delivered as-promised

    Process was straightforward and relatively quick. Our loan officer (Victor) did a great job of explaining the process - so, at every point I could predict what was going to happen next and how long it would take. Like everything else about the product, the funding was the amount they promised at the start of the process and came a day before they told me to expect it. Had I known it would be this straightforward, I would have done it sooner

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