Buy a Home with

OPTIST Mortgage Broker in

Ohio & Colorado

From first-time buyers to investors, OPTIST provides FHA, VA, USDA, Conventional, Jumbo, HELOC, and DSCR loan options. Licensed in Ohio & Colorado.

OPTIST Advantage Approval™: Approved upfront so you can shop with cash-level confidence.

Why Homebuyers Choose OPTIST

At OPTIST, we believe buying a home is more than a transaction — it’s the foundation of your financial future. Our OPTIST Advantage Approval™ process gives you the edge in competitive markets by providing upfront underwriting, so your offer carries nearly the strength of cash. Combined with personalized loan strategies, we help you buy with confidence.

Smart Loan Options for Every Buyer

First-Time Buyer? We’ve Got You Covered

Prepare smart. Download our free OPTIST First-Time Buyer Checklist to know what to expect, what documents you need, and how to become a stronger offer.

Ready to Get Started?

Take the next step toward homeownership. Start with OPTIST Advantage Approval™ and shop with cash-level confidence.

Homebuyer FAQs – Your Questions Answered

Q1: Do I need 20% down to buy a home?
No — 20% down is not required. OPTIST offers FHA loans with as little as 3.5% down, VA loans with zero down for veterans and active-duty military, and USDA loans with 100% financing in eligible areas. Conventional loans can start at 3–5% down, depending on qualifications.

Q2: What makes OPTIST Advantage Approval™ different from a pre-qual?
Unlike a pre-qualification, OPTIST Advantage Approval™ goes through Desktop Underwriter (DU) and is reviewed by an underwriter upfront. This gives you nearly the strength of a cash offer — a big advantage in competitive markets.

Q3: How fast can OPTIST close a loan?
Our streamlined process, combined with upfront underwriting, helps us close loans faster than many traditional lenders. Most purchase loans can close in as little as 21–30 days, depending on the loan program and documentation.

Q4: Can I qualify for a home loan if I’m self-employed or an investor?
Yes. OPTIST specializes in solutions for self-employed borrowers and real estate investors, including DSCR loans that qualify properties based on cash flow instead of personal income.

OPTIST Inc supports Equal Housing Lender. NMLS #2123579. OPTIST Inc is licensed in OHIO and Fannie Mae West NMLS# 152768 is licensed in OH & CO visit www.nmlsconsumeraccess.org or call 877-314-1499 for details. Company is headquartered at 7552 Slate Ridge Blvd, Reynoldsburg, Oh 43068. Interest rates and products are subject to change without notice and may or may not be available a the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Partner with Co/Lab Lending