Your Home Has Options.
Let's Find Yours.
Get pre-approved for a HELOC (home equity line of credit) in minutes, with no impact to your credit score. One simple application. 10+ lender options. The choice is yours.
No Credit Impact
Ohio & Colorado -Based Experts
10+ Lender Network
Free Consultation
Your Home Is a Powerful Vehicle
Would you agree that you home is one of the most powerful vehicles you have to build wealth and provide security for your family?
Every mortgage payment you've made? That's equity you've earned. Every year of appreciation? That's wealth you've built.
Your home isn't just where you live—it's the vehicle driving you toward financial freedom.
But here's the problem:
When you walk into your bank for a HELOC (home equity line of credit), that lets your borrower against the value of your home, they give you one option. One rate. One set of terms. No comparison.
At OPTIST, our HELOC (home equity line of credit) solutions give you the flexibility to borrow against your home’s equity and take action when it matters.
HELOC Equity Checker
Two numbers. Instant results.
Analyzing your equity position...
Tax-free capital for investment or consolidation
This calculator provides estimates based on standard lending criteria. Actual terms subject to credit approval and property appraisal.
Welcome To The OPTIST HELOC Hub
Your home has options. Let's find yours.
Most homeowners walk into their bank and get handed one offer. One set of terms. One lender's version of what they think you deserve.
Would you agree: Your home equity is too valuable to settle for the first option?
Here's the problem:
What if you need $50,000 to get out of debt, fund your next business deal, or handle needed repairs but the bank only approves you for $25,000?
If you don't explore other options, you're stuck with just that one offer.
If you shop around on your own, you rack up multiple credit inquiries that could hurt your credit score and your chances with other lenders.
That's where the OPTIST HELOC Hub changes everything.
Serving homeowners in Ohio & Colorado, OPTIST HELOC Hub brings 10+ lenders to you, all in one place, so you can compare terms, access amounts, and flexibility that fits your goals.
No run-around. No guessing. No impact to your credit. We begin with a single soft pull and deliver your top options.
We move fast. In as little as 24 hours, you'll see your options and have the power to choose what actually works for your wealth, your family, and your future.
Why settle for one bank’s offer when you could choose the OPTIST HELOC Hub, get approved, close quickly, and secure smarter terms for your home equity line of credit?
Would you agree: With the OPTIST Hub, there's more potential of getting approved, closing quickly, and securing better terms than just going to one bank?
How the OPTIST HELOC Hub Works
1
Quick Application
Answer a few simple questions about your home and financial
goals.
No credit pull yet—just
information gathering.
2
We Shop 10+ Lenders
Our network includes national banks, credit unions, and specialty lenders.
More options mean better terms for your situation.
3
Compare Your Options
We present your
pre-approved offers side-by-side.
You choose what works best.
4
Close Fast
Most clients close in days not weeks with our lenders digital Heloc.
We guide you through every step, just like a trusted advisor should.
No Credit Impact
10+ Lender Network
Free Consultation
Ohio & Colorado -Based Experts
Is a HELOC Right for You?
Our clients typically use HELOCs for:
🏠 Home Renovations
Increase your property value with kitchen remodels, bathroom upgrades, or additions.
💳 Debt Consolidation
Lower interest rates than credit cards—save thousands in interest payments.
📈 Investment Opportunities
Real estate purchases, business ventures, or strategic wealth building.
🛡️ Emergency Fund
Access to cash when you need it—peace of mind for life's unexpected moments.
🎓 Education Expenses
College tuition, certifications, or professional development investments.
💡 Major Purchases
Vehicles, medical expenses, or once-in-a-lifetime opportunities.
Why Work With the
OPTIST HELOC Hub
Instead of Going Direct?
I've been helping Ohio homeowners build wealth through
smart mortgage strategies for over a decade. Here's what
I've learned:
Banks want your business. But they only show you their products.
You deserve options. Your home is likely your biggest asset. Shouldn't you see what 10+ lenders are willing to offer before you decide?
Time is money. Why spend weeks applying to lenders one-by-one when we can do it in days?
At OPTIST, we're not here to sell you a loan. We're here to
help you make the smartest financial decision for your
family.
— Fannie Mae West
Founder & Mortgage Wealth Strategist
You might be a great fit if:
You have at least 15-20% equity in your home
You value expert guidance over DIY applications
Your credit score is 600 or higher
You want flexibility and options
Not sure? That's what our free consultation is for.
What Ohio Homeowners Are Saying
"I thought I'd have to settle for my bank's rate. OPTIST found me 3 better options in 48 hours."
Michael T.
Columbus, OH
"Fannie explained everything like we were sitting at her kitchen table. No pressure, just honest advice."
Sarah & James K.
Cleveland, OH
"Got approved with a 620 credit score when my bank said no. The HELOC Hub made all the difference."
Patricia R.
Cincinnati, OH
Common Questions
Will checking my options hurt my credit?
Nope. Our initial application is a soft inquiry—zero impact to your credit score. Hard pulls only happen when you choose a lender and move forward.
How is this different from going to my bank?
Your bank shows you one option. We show you 10+. It's like having a mortgage broker who specializes in HELOCs—more leverage, better terms.
What credit score do I need?
We work with lenders who accept scores as low as 600. Every situation is unique, so let's talk about your specific circumstances.
How long does it take?
Pre-approval: 24-48 hours. Closing: 2-3 weeks on average. We move at your pace and keep you informed every step of the way.
Is there a fee for your service?
Our consultation is free. We're compensated by the lender you choose—never by you directly. Your interests come first.
What if I'm not sure a HELOC is right for me?
That's exactly why we offer a strategy call. We'll walk through your goals and help you decide if it makes sense. No obligation, no pressure.
Ready to See Your Options?
Option 1: Get Cash In 7 Days
See your options in 24-48 hours
Option 2: Talk to a HELOC Specialist First
Let's discuss your goals before you apply
OPTIST Inc.
HELOC vs. Home Equity Loan
How Much Can I Borrow?
5 Smart Ways to Use Home Equity
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OPTIST Inc.
HELOC vs. Home Equity Loan
How Much Can I Borrow?
5 Smart Ways to Use Home Equity
First-Time Homebuyer Checklist
Company
About Fannie Mae West
Our Lender Network
Blog
Contact Us
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