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.
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.
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.
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.
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.
We're a small, hard-working team passionate about innovating in the mortgage space.
Luke Johnson is founder and CEO of Neat Capital. Luke’s unique breadth of knowledge across the mortgage vertical was developed from on-site evaluations of many of the largest residential mortgage originators, servicers, and RMBS issuers in the United States. Luke has evaluated the performance of bank executive teams, performed detailed reviews of mortgage origination and securitization operations, investigated regulatory and compliance issues, and provided insightful analysis of loan performance to institutional investors.
Luke also holds a strong track record developing and executing on growth strategy. In Luke’s former position as the corporate development executive for a $4 billion enterprise, Luke led an impressive array of accretive buy-side and sell-side M&A transactions in the US and Latin America.
Having grown up in Vermont, Luke enjoys alpine skiing and time in the mountains with his family. Luke holds an MBA with honors from the University of California, Berkeley - Walter A. Haas School of Business and a Finance degree from Tulane University.
Ryan Brennan is the President of Neat Capital and oversees the company’s wholly-owned loan trading subsidiary, Whole Loan Solutions. In addition to being an experienced entrepreneur, he has expertise in the portfolio management, trading, and capital markets arenas. Ryan’s experience in the mortgage industry has come from many different angles, including working on a proprietary trading desk at Merrill Lynch investing in residential mortgage-backed securities, building out a whole loan acquisition vehicle at a regional bank, investing in distressed RMBS positions for a hedge fund, developing a loan-level RMBS database at Standard & Poor’s, and launching his own company to advise jumbo mortgage industry participants on capital markets and secondary marketing activities.
Ryan resides in Riverside, CT with his wife Amanda and son Rory. With limited immediate mountain access, he has taken to road biking recently having completed numerous centuries including the CT Challenge, Tour de Pink, Ride to Montauk, and North Fork Century multiple times. He enjoys the outdoors and will ski whenever the opportunity presents itself. Ryan holds a Bachelor of Science in Finance from Georgetown University.
Tom Furey oversees Neat Capital’s national sales team and all things growth at Neat Capital. Tom has also played a crucial role in guiding product development of Neat Capital’s technology, including our proprietary cash flow underwriting model.
Tom's background in mortgage origination includes managing sales for top 10 mortgage lenders while consistently earning President’s club honors throughout his 13 years in the industry, achieving sales in the top 1% of originators nationwide. Tom’s personal career production of more than $500 million is even more impressive considering Tom founded several non-lending start-ups during this period.
Tom was most recently a Co-Founder and Managing Partner of a startup that developed algorithms and process technology to promote transparency around the offer and negotiation of residential real estate. . Prior to joining the mortgage industry, Tom worked for Deloitte as an auditor as well as a private equity advisory firm.
Tom is a natural athlete and competed as a Division 1 golfer at Fairfield University where he earned his Bachelor’s degree in Accounting & Finance. Tom enjoys time with his very active kids, Faith, Grace, and O’Connor and is very involved in several charitable organizations including Dream Come True, ASCENT, and Habitat for Humanity.
Steve Herschleb heads up technology development at Neat Capital. He’s an experienced technology professional, and on multiple occasions he’s taken initial concepts to revenue generating products. With experience in three previous startup companies plus a fellowship at a venture capital firm, he’s definitely addicted to the startup life.
Outside of work, Steve enjoys the mountains and is passionate about rock climbing. To get away from it all, he often hikes to the tops of tall mountains. In the winter he spends most weekends shredding the gnar, both on skies and a snowboard. He and his wife love travel, have lots of stamps on their passports, and hope to add a lot more.
Steve completed his undergraduate studies in electrical engineering in 2007 at Kettering University in Flint, MI. He earned his MBA with a concentration in entrepreneurship from the University of Colorado - Boulder in 2013.
Shelley Scipione leads Marketing for Neat Capital, bringing over 12 years of Digital and Consumer Marketing experience to the team. She also has 6 years of experience in financial services at Wells Fargo and PayPal. She has driven sales growth for companies ranging from Walmart.com to mid-sized eCommerce businesses and more recently start-ups. Shelley has led teams, developed business and marketing strategy, managed online marketing channels, launched new products, re-platformed websites and more. She has also overseen Customer Service for 3 companies and brings a passion for the consumer experience to support Neat Capital’s concierge customer support.
Like our CEO Luke, Shelley is from Vermont. She was a member of the UVM NCAA Championship team and holds a 3rd degree black belt in Taekwondo, but is pursuing her mellower side with yoga and hiking now. Shelley holds an MBA from the University of Michigan’s Ross School of Business and a Bachelor of Arts in French from the University of Vermont.
Paul R. Donovan is a senior executive with more than thirty years of FinTech experience with executive leadership over technology, product development, consulting, and corporate strategy. He has a highly successful track record as an entrepreneur, a change agent, and a leader in delivering major business improvements through technology. His responsibilities have ranged from overseeing the product development of a nascent lending business from vision to launch to being responsible for the information technology at a large financial services company.
Prior to his participation in a successful exit of a technology-enabled lending business to Goldman Sachs, Mr. Donovan has had a storied career in executive roles in financial services technology as an architect of Muniaxis’ Municipal Bond Auction Platform, President of Chairman's View, partner at Tatum LLC, leadership of a consulting practice at Coopers and Lybrand, founder and principal for Advanced Information Management, and Executive Vice President and CIO for ING Americas. Paul also held several CIO and executive positions at Fidelity Investments, American Transtech, Arthur D. Little, and EDS.
Paul has a Bachelor of Business Administration from The University of Massachusetts Amherst, and was an officer in the US Army. Paul has been recognized many times by CIO Forum as one of the top Financial Services IT Executives.
Nicole Farrar oversees legal, regulatory, and corporate matters at Neat Capital. She is an experienced executive who has advised startups and other private and public companies on legal affairs, operations, fundraising, M&A, and business strategy. Her legal career spans 12 years of consistently delivering measurable results to position companies for sustainable growth.
Prior to Neat Capital, Nicole was Senior Counsel at Paragon Legal, where she advised companies including Splunk, Fitbit, TRX, and Gilead. As Senior Counsel at Wilbur-Ellis Company, Nicole advised a multi-national company with annual revenues of over $3 billion. Nicole began her legal career in the law firms of McGuireWoods and Paul Hastings.
Nicole earned an MBA with honors from the University of California, Berkeley - Walter A. Haas School of Business in 2014, where she became interested in entrepreneurship and alternative financing models. She also holds a Juris Doctorate from the University of Virginia and a Bachelor of Science degree in Cell and Molecular Biology from Tulane University. Nicole lives in San Francisco, CA with her husband Jonathan and her daughter Stella. Even though the mountains are not in her backyard, she enjoys the outdoors and loves to ski.
Ashay draws on his former experience as a CEO and mortgage industry veteran of nearly 20 years to lead Neat Capital's operations team, which develops and implements productivity enhancing processes to improve the customer experience. Over his extensive career, he has been a top originator, branch manager, risk manager, systems developer, and high level underwriter, giving him the expertise to help the Neat Capital team fulfill its vision.
Ashay prides himself on being an entreprenuer and taking unique paths toward success. He started his career as a member and floor trader on the Chicago Mercantile Exchange. In 2011, he graduated from IITM’s fulltime two year certificate of completion program with a focus on Behavioral Finance, Psychology, Systems Development, and Risk Management. A Chicago native, Ashay moved to Boulder with his family in 2010 to enjoy the Colorado lifestyle. He enjoys traveling, hiking, biking, skiing, and has even tried rock climbing. His favorite spot is Telluride, which is surrounded by the most magnificent mountains in the state.
Chuck leads the cultivation of financial advisor relationships in the Northeast for Neat Capital. He leverages his vast experience and network developed over 13 years in wealth management to generate investment and business for Neat Capital. Chuck became an expert creating and managing investment strategies for clients at top tier firms such as Morgan Stanley, UBS Financial Services and Moors & Cabot Investments. Prior to his career in financial services, Chuck spent 17 years as an executive responsible for managing complex budgets and developing innovative strategies to create successful advertising campaigns for some of the world’s most respected brands like Toyota, Chrysler, Valvoline, Bell Atlantic Mobile and Verizon Wireless.
Chuck is an active volunteer in his community where he coaches both his son, Charlie’s and daughter Edie’s, youth lacrosse teams. He was also the inaugural Treasurer for the local Boy Scouts of America Pack 74 in Lordship, CT in 2015. Chuck enjoys all things sports but now actively plays tennis on several USTA tennis teams along with casual weekend golf. He grew up in Old Greenwich, CT where he played competitive football and lacrosse through Greenwich High School before being recruited to play Division 1 lacrosse at The University of North Carolina at Chapel Hill. Chuck graduated from UNC with a Bachelor of Arts in Business Communications.
Rob leads Business Development efforts for Neat Capital's Forida and California Markets. Rob started his career in the film and entertainment business having earned a degree in Film Studies from the University of California Santa Barbara. Rob’s business acumen was refined over the years through working with the top executives and talent in the entertainment industry. Rob took his experience in the entertainment space and applied his skills to private equity, mortgage banking/Fin-Tech and wealth management. After a short break from lending, Rob returned to the arena joining Neat Capital to change the way consumers experience the home loan process.
When not traveling for work between California, Colorado and Florida, Rob enjoys skiing, diving, climbing, golf and traveling the globe. Whatever the adventure, his Golden Retriever Quinn is usually along for the ride.
Don Valentas is a Business Development Manager at Neat Capital. Don has 10 years of origination experience and has closed over 700 loans working for industry leading company’s such as Guaranteed Rate, Mortgage Master, HSBC, and American Home Mortgage. His honest and ethical approach to his business has created long-term clients and built very solid referral sources that remain very loyal to him. Don plans to leverage these relationships to drive growth to Neat Capital.
Don began his career in the mortgage industry in the early 2000’s before leaving to pursue a successful 6 years selling for ADP’s Major Accounts Division as a Travel and Expense Management Specialist, where he was awarded numerous times as a top producer. In 2011, Don rejoined the Mortgage Industry to help individuals and families achieve homeownership - a goal in which he truly believes.
Don attended Eastern Connecticut State University and in his spare time Don enjoys spending time with his family, golfing and watching or playing just about any sport.
Bryan Mcpherson thrives in Business Development at Neat Capital. Bryan is an expert in the field with over 14 years of experience. He is dedicated to helping his clients and referral sources obtain their individual goals. Bryan prides himself on honesty and integrity when working with his clients. He understands that everyone’s situation is unique and works closely with each client to identify the mortgage program that best fits both their short and long-term home financing needs.
Bryan began his career in the mortgage industry in 2004 shortly after graduating from ECSU. Since then he has taken great pride in achieving the goal of homeownership for hundreds of people.
When Bryan is not working, he is usually spending his time with his amazing wife Holly Mcpherson and his beautiful 2-year-old son Gavin Gerald Mcpherson where they reside in Berlin, CT.
Jon Baughman joined Neat Capital in June of 2017 as a Sr. Mortgage Advisor as well as to lead Neat’s growth efforts in the Bay Area. Jon has more than 14 years of industry experience as an originator, most of which were spent with Washington Mutual. Most recently Jon’s passion for the business led him to take a position with another fintech lender SOFI where Jon’s 2016 volume results got him recognized as #198 on the Scotsman Guide Top 200 Originators in America. Since joining the business Jon has funded almost $600M in loan volume and has achieved President’s Club 3 times. Jon attributes his success to consistently operating with the highest level of integrity and always acting in the best interest of his client.
Jon has been married to his amazing wife Angie for 25 years, with now 3 grown children, Sydney, Mackenzie, Jackson, who all celebrated graduations recently. The family enjoys all sports and hanging out with each other.
Caleb brings unique entrepreneurial and startup expertise to Neat Capital. He worked as the Senior Editor of an adventure travel startup and spent over a decade running sales, marketing, and business activities for independent artists, before leaving to found his own art gallery in Santa Barbara. Caleb also obtained several green building certifications, including a LEED designation, while exploring the possibility of creating fully modularized, factory-built, solar-ready Accessory Dwelling Units (an idea a bit before its time). He then transitioned to the mortgage industry, and has spent the past four years utilizing his extensive network to build a strong brand in the Seattle area as an originator.
Caleb leads Neat Capital’s growth efforts in the Pacific Northwest. His experience as an originator paired with his business acumen and emphasis on communication enables him to recruit additional originators and continue to build relationships with borrowers and real estate companies in the area.
Caleb graduated from UC San Diego with a B.A. in Literature and took courses focusing on sustainability at Presidio School of Management in San Francisco. In his spare time, Caleb explores the mountains and backcountry of the Puget Sound region with his fiancée Lara and their German shorthaired pointer “Trout,” sometimes bringing along his ukulele to strum at the campfire
Rock is a Senior Mortgage Advisor with Neat Capital, providing inside loan officer and customer care services. Rock is a consultative sales, business development and client care professional with broad mortgage origination experience. His mortgage background includes extensive experience in both refinance and purchase transactions. Having worked with both national lenders and home builders, Rock has seen most borrower scenarios and enjoys developing optimum lending solutions. Rock has also performed business development and customer care roles with two start-up businesses, one in technology and one in manufacturing.
Outside of the office Rock enjoys exploring the natural playground of Colorado with his wife, Brigitte. Sometimes that exploration leads to one of the countless craft breweries where they enjoy sampling the many hoppy, fermented nectars offered. Rock also enjoys accompanying his wife, who is first generation Belgian, on trips to visit her family back in Belgium.
Ryan Hill joins Neat Capital's Sales & Operations team, bringing over fifteen years of mortgage experience in Origination, Operations, and Analyst work. This extensive background and unique experience provides Neat Capital with a valued and dynamic individual able to support various business demands. Ryan understands how to navigate the ever-changing mortgage marketplace and his passion for technology and communication create a simplified, more transparent lending experience for homeowners and real estate professionals alike. Ryan began his career helping home owners obtain home financing and still enjoys this part the most. He understands the “true north” is always the client.
As a Colorado Native, Ryan currently resides in the Boulder area where he and his three children enjoy soaking up the Colorado life. He enjoys golfing, hiking, biking, and exploring Colorado’s beautiful backyard.
Jared is a Senior Developer at Neat Capital. The bulk of his career has been spent building software for the financial services sector where he has worked with many of the largest financial institutions in the world.
Having grown up in Massachusetts, Jared relocated in 2006 to pursue a B.S. in Computer Science from CU Boulder. After graduation, he decided to stay for the lifestyle, the mountains, and the thriving tech scene. He enjoys golf, running, hiking, snowboarding, and spending time with his wife, Allie.
Eric is a Senior Developer for Neat Capital bringing a wealth of experience from Salesforce, the Federal Aviation Administration, and numerous startups. He enjoys tackling difficult engineering problems and solving them with elegant solutions.
Outside of work, he adapts to the season and has a shed full of skis, bikes, backpacking gear, etc. He currently resides in Boulder with his famous dog, Chilly McWilly. Eric holds a B.S. in Computer Science from Rowan University.
Kristina joins us as an Accounting Analyst and Data Nerd with over 5 years of experience split between startups, nonprofits, and large corporations such as the USA Today Network. With a Bachelor’s Degree in Accounting from Flagler College, she has managed the financial recording and analysis needs of companies ranging from $100,000 to $2.5 million in annual revenue. Her superpower is finding technology-based solutions for accounting and data analysis challenges. She uses this gift to give Neat Capital the ability to focus on what matters most—taking care of our customers!
In her spare time, Kristina enjoys rock climbing with her husband and two daughters. As a family, they enjoy traveling, camping, outdoor adventures, and anything tech-inspired. Kristina enjoys classic video game franchises like Super Mario Brothers and Zelda and is still waiting to receive her Hogwarts letter by owl.