Your options

Here is every way to get what you need

Ordered by what suits your situation, not by who pays us the most. Nothing here is a commitment, and none of it touches your credit score.

The companies below pay us when you choose to keep going with one of them. You apply with them, not with us.

Add your address and we will narrow this down

About a minute, and no credit check.

01Where we would start

Point

Home equity investment

No monthly payment
No income check

Cash now, with nothing due each month

Cash now, nothing due each month, and your first mortgage stays put.

Monthly payment: $0
Credit needed: 500+
Time to funds: 3 to 4 weeks

Cash now, no new monthly bill
No income or employment check
You settle up by sharing future value

Nothing due each month and no income check. Your real credit score will decide whether a line of credit is cheaper. You give up a share of the home's future value instead.

Start my application

You finish on Point’s own site. We do not take your application.

02Worth a look

Upstart

Home equity line of credit

Usually the cheapest
You keep the upside

The cheapest money, if you can carry a payment

A line of credit. Usually the cheapest route if your credit qualifies.

Monthly payment: ~$690
Credit needed: 660+
Time to funds: 2 to 5 weeks

You keep every dollar the house gains
Your first mortgage stays where it is
New monthly payment, usually a variable rate

Usually the cheapest path when credit clears 660 and you can carry a payment. We do not know your score yet, so treat this as possible, not promised.

Check my rate

You finish on Upstart’s own site. We do not take your application.

Before you pick

Every path, explained in plain words

What each option costs, who it fits, how the process runs, and the mistakes people make.

Read the guides

Start over with a different address