Neat Capital

Fast, Transparent Loans

Ready to close your loan in 15 days on average — 3X faster than other lenders

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How We're Different

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Minimize paperwork with our 20-minute online application and account-linking; get your part done easily.

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See if your income & assets qualify even before you submit your application.  If you don't get our best rate, you'll know why.  

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Your Optimal Loan

Compare loans and see the impact on your interest rate when you adjust the down payment.  

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Compete Against Cash

Strengthen negotiation power with our Platinum Pre-Approval that makes your loan as reliable as cash.

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Specialists in Large Loans

Experience our smooth loan approval, whether you receive a steady salary, run your own business or have investments.

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Competitive Rates

Receive interest rates just as low as the big banks and lenders.

Average Time to be Ready to Close a Home Loan.

Neat Capital | 15 Days


Industry Average | 46 Days*

46 days


*Ellie-Mae — Dec 2017

Make an offer on a home with financing as reliable as cash

What Our Clients are Saying

"... the mortgage process always seems daunting. Neat Capital completely changed my mind and outlook."

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"100x Better…"

We refinanced our home in October 2016…. The experience was easily 100x better and easier than our previous mortgage only a year prior… We hooked up our accounts and the data refreshed automatically, saving us hours of work. I expect this experience to get simpler and more seamless (and it was already fantastic).

Jens & Teen | Louisville, CO

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"Effortless Mortgage Refinancing"

The paperwork was less of a burden than my original mortgage. The team modeled at least 8 different scenarios so I could find the best loan for me. They inspired trust and demonstrated considerable expertise. They nudged me through the process, enabling me to get a great rate, right before the rates went up.

Adam | Boulder, CO

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Get a Pre-Qualification

You Complete: 90-second quick application

You Receive: A rate estimate using your specific credit information and a pre-qualification letter


Get Pre-Qualified
Make a Cash-like Offer

You Complete: 20-minute online application

You Receive: Real-time feedback on your qualifiying strength and detailed rate information. Try out different loan options, amount, and down payment. Apply for our strongest loan commitment to make a cash-like offer...Be done.

Get Pre-Approved

Where We Lend

CA, CO, CT, DC, FL, MD, TX, VA and WA

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Personalized Service

Call 1-888-210-5232 to speak with an expert