No voicemails. No "just following up" emails from a processor. Apply for your HELOC on your own time, from your phone, and see if you're approved without talking to anyone.
No. You apply online and see whether you're approved on your own.
Most people finish an application in a few minutes from their phone.
Try the next lender on the list. Each one approves different kinds of borrowers.
Start with Option 1. If it doesn't work out, go to Option 2, then Option 3.