About Us | Neat Capital
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Who is Neat Capital

Founded in 2015, Neat Capital is reinventing mortgage lending: without the hassle, paperwork, and frustration. Antiquated processes and arcane underwriting standards frustrate borrowers. We deliver a modern approach to mortgage lending that's simple, transparent, and lower cost.


We are headquartered in Boulder, with offices in Seattle, Stamford & San Francisco.

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Our Specialty

We specialize in large loans often common in competitive housing markets. This specialty allows us to offer some of the most reasonable rates in the industry. We're experts in unique borrower situations, meaning we can easily validate income of borrowers with less traditional sources of income such as those who are self employed, own businesses or invest in real estate. We help clients win a bid on a home with a cash-like offer and the ability to close in 2 weeks.

Our Values

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Simplicity & Transparency

We will only present simple loans and transparently disclose all fees to borrowers. We will never disguise the true cost of borrowing by developing complex products that are challenging to understand and evaluate.

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Innovation in Mortgage Lending

We strive to provide the fastest, most efficient, and most affordable mortgages available to consumers. The automated application process is designed to minimize borrower frustration and improve underwriting objectivity.

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Be Clean

We will remain clean, even in a tarnished industry. We’ll always do our best to promote the best interests of market stakeholders, particularly borrowers, above our own business interests.

Start your application now. You can always save your progress and finish later.

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Our Team

We're a small, hard-working team passionate about innovating in the mortgage space.

Luke Johnson Headshot
Luke Johnson
Founder & CEO
Ryan Brennan Headshot
Ryan Brennan
Tom Furey Headshot
Tom Furey
Co-Founder & VP Production
Steve Herschleb Headshot
Steve Herschleb
Co-Founder & CTO
Shelley Scipione Headshot
Shelley Scipione
Vice President of Marketing
Paul Donovan Headshot
Paul Donovan
Vice President
Nicole Farrar Headshot
Nicole Farrar
Co-Founder & General Counsel
Ashay Brahmbhatt Headshot
Ashay Brahmbhatt
Director of Operations
Chuck Threshie Headshot
Chuck Threshie
Director of Business Development
Rob  Rudolph Headshot
Rob Rudolph
Director of Business Development, FL & CA
Isaac Stokes Headshot
Isaac Stokes
Director of Business Development, CO
Don Valentas Headshot
Don Valentas
Business Development, CT
Bryan Mcpherson Headshot
Bryan Mcpherson
Business Development, CT
Jon Baughman Headshot
Jon Baughman
Senior Mortgage Advisor
Tim Galu Headshot
Tim Galu
Northeast Director of Sales
Ben Maez Headshot
Ben Maez
Inside Sales Manager
Rock  Sobolik Headshot
Rock Sobolik
Senior Mortgage Advisor
Ryan Hill Headshot
Ryan Hill
Senior Mortgage Advisor
Jared Barnett Headshot
Jared Barnett
Senior Developer
Eric Thomas Headshot
Eric Thomas
Senior Developer
Kristina Vincent Headshot
Kristina Vincent
Accounting Analyst and Data Nerd
Jennifer Hill Headshot
Jennifer Hill
Loan Processor

We are always hiring talented people. Interested?

View Open Positions
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Get Personalized Service

We're currently offering mortgages in California, Colorado, Connecticut, Florida, Maryland, Texas, Virginia, Washington and Washington D.C. If you're interested in getting a mortgage in one of these states, please contact help@neatcapital.com.

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