THE OPTIST HELOC HUB
Your Home Has Options.
Let's Find Yours.
Get pre-approved for a HELOC in minutes—with no impact to your credit score. One simple application. 10+ lender options. The choice is yours.
No Credit Impact
Ohio-Based Experts
10+ Lender Network
Free Consultation
Here's What Most Homeowners Don't Know
When you apply for a HELOC at your bank, you're seeing one option. One rate. One set of terms. Take it or leave it.
But here's the thing: your home equity is too valuable to settle for the first offer.
What if you could compare 10+ lenders at once—without the runaround, without multiple credit pulls, and without wondering if you left money on the table?
That's exactly what we do at OPTIST.
How the 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—we handle the rest.
4
Close Fast
Most clients close in 2-3 weeks. We guide you through every step, just like a trusted advisor should.
Why Work With a HELOC Hub Instead of Going Direct?
The Kitchen Table Truth:
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
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.
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?
You have two choices:
Option 1: Get Pre-Approved
Now
See your options in 24-48 hours
Option 2: Talk to a HELOC
Specialist First
Let's discuss your goals before you apply
Either way, you're in control.
OPTIST Inc.
Ohio's HELOC Hub
Serving Columbus, Cleveland, Cincinnati & Beyond
(614) 552 9787
OPTIST Inc.
HELOC vs. Home Equity Loan
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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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