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Point Reviews

Rated 4.1 based on 64 Reviews

444 High St, Palo Alto, CA 94301, United States

Banks Palo Alto

Published on
July 23, 2025
Last updated
July 23, 2025

Reviews Summary

Overall sentiment in the reviews for Point Digital Finance's home equity investment loans is mixed, with a majority of customers reporting very positive experiences—especially in customer communication and the professionalism of specific team members such as Anita and Amanda. Reviewers consistently highlight clear explanations and updates throughout the loan process, credited to agents who are prompt, patient, and respectful. However, several negative reviews raise serious concerns around communication breakdowns, appraisal disputes, and loan denials. Criticisms focus on issues like unexpected fees, perceived unfair loan terms, and lack of responsiveness after problems arise.

The most frequent themes include the competence and dedication of staff members, particularly in guiding clients through the process, as well as satisfaction with how Point Digital Finance helps clients achieve their financial goals. Positive feedback emphasizes staff's accessibility and willingness to answer questions, while negative experiences often mention slow processing, appraisal concerns, or inadequate follow-up after setbacks.

In summary, Point Digital Finance is seen by customers as a provider with both committed, detailed support and significant room for improvement in handling complex or problematic cases. The mixed feedback suggests reliability in many cases, balanced by a need for transparency and responsiveness when complications occur.
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What Customers Are Saying About Point?

very positive

exceptional!

very professionally and diligently

James was great to work with

it was easy

very pleased with Anita

staff was nice to me

Trustguide extracts key phrases from reviews about Point and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 60% of Point's customers had a positive experience.

Positive
60%
Neutral
0%
Negative
40%

Point Ratings

1

As of Based on 64 revies as of Jul 23, 2025

Point Score

60%

As of Based on 64 revies as of Jul 23, 2025

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Customer Reviews

As of Jul 23, 2025, 64 customers have reviewed this business and rated it 4.1 Star out of 5. Trustguide conducted an in-depth analysis of Point's publicly available reviews View source

Gigi Blazier (Thumper) rated Point 5 stars
5 months ago
My experience with POINT was very positive. Anita treated me with professionalism, respect, and courtesy throughout the entire loan process. While it took a little longer than expected, I was kept informed of where we were in the process with regular updates. Excellent communication! They never hesitated to answer any questions, they always did so promptly and made sure I was satisfied with the answers I received and/or the information I was given. I highly recommend them if you're looking for a Home Equity Investment Loan. They also do other loan types and are an awesome group of people to work with. Every agent I spoke to treated me with the same high level of professionalism, courtesy, and respect. Again, I highly recommend.
Carol Ballard rated Point 1 stars
a week ago
I got an offer in the mail and checked the BBB and saw several complaints with the last being in April 2025. As a result, I shredded the offer. Do not engage with this company until you have done your due diligence.
Chand rated Point 1 stars
a week ago
Point made 450k from my 180k investment in Santa Clara home as the home appreciated but they were extremely unfriendly when I asked them to appraise the property without charge as they over charge me the appreciation with sale price of $1.9 million while I already sold the home to private investors at $1.6m only. Once they send out the pay out amount where they over charged me then they would not even respond to my emails. In the beginning when I took the loan, they appraised it but took 10 percent value lower. Their clauses and principles are bad. They are bad type of loan. Avoid at all costs. Reach me with any questions Update on July 1st. Point came back and tried to respond to review here as they know they will lose business. They waived the appraisal fees but they have appraiser who have such a bad appraisal increasing the price of home by 200k. When I sent a comp of a near by home that was sold for 1.6m even their appraiser gave my home 1.75m even though my home was not in best condition, they responded saying they won't change the appraisal as it's closed already. I faced such resistance from them. When I took the loan, they took off 10 percent and now they added 200k and used their appraiser which was faulty. They are after your equity. Contact me I will share some useful information and my horrible experience with them if you need but don't take a loan from them.

Frequently Asked Questions About Point

How does Point Digital Finance communicate during the loan process?

Many reviewers mention consistent updates and prompt answers to questions throughout the process. Staff members, such as Anita and Amanda, have been noted for their professional communication from start to finish, helping ensure loan applicants understand each step.

What issues have customers encountered with Point Digital Finance?

Some customers experienced delays, communication breakdowns, and disputes over home appraisal values. A few reported unsatisfactory resolution of concerns, particularly after loan denial or disputed payout calculations, suggesting that complex cases may face challenges.

How long does the Point Digital Finance loan process typically take?

Timeframes described by customers vary. While some loans close quickly if required documents are returned promptly, others are delayed due to insurance or appraisal complexities. It’s recommended to respond to documentation requests quickly to help expedite processing.

About Point

Banks
Point Digital Finance specializes in providing home equity investment loans and alternative financial solutions tailored to homeowners. Operating within the financial services industry, the company offers products such as Home Equity Investment (HEI) loans, focusing on helping clients access funds based on home equity without traditional refinancing.

Point Digital Finance operates primarily through direct interaction with clients, utilizing assigned representatives to guide borrowers step-by-step through application, appraisal, and closing processes. The company’s workflow includes clear documentation requirements, regular updates from staff, and dedicated account management to streamline funding and service delivery.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.