# Point

Point is an Asset Manager based in Palo Alto, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Palo Alto, United States
- **Region:** North America
- **Address:** Palo Alto, CA, United States
- **Founded:** 2015
- **Assets under management:** Undisclosed
- **Website:** point.com
- **LinkedIn:** https://www.linkedin.com/company/point

## About

Point offers a Home Equity Investment (HEI) and HELOC to empower homeowners who want a more flexible way to access their home equity. Get up to $600k with no monthly payments.

## Sectors

- Real Estate
- FinTech

## People

- Eddie Lim — CEO and cofounder
- Eoin Matthews — Cofounder

## Questions

### How does Point generate returns for its investors?

Point originates Home Equity Investments (HEIs), providing homeowners a lump sum of cash in exchange for a percentage of the home's future appreciation. The firm aggregates these individual equity positions into pools and periodically securitizes them, selling bonds backed by the HEI cash flows to institutional investors. Returns depend on home price appreciation in the underlying portfolio, with Point's structure designed to align outcomes between homeowners, the firm, and capital partners.

### What is the difference between Point's HEI and a traditional home equity loan?

A Home Equity Investment (HEI) is not a loan. Point provides cash upfront in exchange for a share of the home's future value, with no monthly payments required. The repayment amount is determined when the homeowner eventually sells, refinances, or buys out Point's stake — it fluctuates with the home's value. A traditional HELOC, by contrast, involves monthly principal and interest payments based on a drawn credit line, with the debt obligation fixed regardless of home value changes.

### Who runs investment decisions at Point?

Eddie Lim, the CEO and cofounder, leads the company's overall strategy and product direction. Eoin Matthews, the cofounder, has been instrumental in the firm's operational buildout since 2015. Point's capital deployment decisions are driven by its automated underwriting platform for individual HEIs, while institutional capital markets activities, such as securitizations, are managed by the firm's leadership team.

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Last updated: 2026-06-03T20:00:00.000Z

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