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, CO with offices in San Francisco, CA, Westport, CT and Boca Raton, FL.
We specialize in larger loans often common in competitive, urban housing markets such as San Francisco. This specialty allows us to offer some of the most competitive 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 two sons, Rory and Blake. 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 is the SVP of Product Development, Finance & Lending at Neat Capital. Tom brings tremendous energy and passion to the office and is relentless in his quest to deliver the ultimate mortgage experience to Neat’s clients & referral partners. Tom’s background includes Deloitte audit, private equity advisory, 15+ years of mortgage origination at a President’s club level, as well as co-founding several non-lending start-ups.
Most recently, Tom was the 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. Tom has a deep understanding of loan level risk and ability to repay, which is why it’s natural for Tom to support Neat’s sales and operations teams through oversight of the loan structure and scenario desk. Tom possesses a unique ability to quickly evaluate complex loan files, understand all options, and provide guidance back to the team to improve conversion.
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 children, Faith, Grace, and O'Connor. On the rare occasion that Tom takes a break from work & family, he will typically spend that time improving his Lumosity score. Currently Tom ranks ahead of 99.9% of players world-wide.
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.
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.
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.
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.
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.
Chris Carmichael oversees sales at Neat Capital. His role as National Sales Director draws on his 25 years of experience as a Sales Executive with a focus on jumbo loan production across multiple origination channels. Having taken an interest in the high-end borrower early in his career, he has developed extensive knowledge of this segment through a variety of roles including Wholesale, Retail, Corporate Affinity and captive Builder-Owned platforms.
Most recently a Vice President at Luxury Mortgage Corp, Chris was responsible for the company's wholesale production. Offering unique jumbo loan programs to approved brokers throughout the country, Chris supervised production and worked jointly with Operations to manage the loan process. He was also a member of the firm's Executive Committee for 11 years.
Chris has lived and worked in several of the top jumbo markets in the United States including, New York City, Boston, Miami, New England and currently resides in southern California. In his spare time, Chris enjoys sports, fitness, and spending time at the beach with his family. He holds a degree in Economics from the University of South Carolina.
Eric Cook performs Business Development in Connecticut for Neat Capital. He has been in the mortgage industry for 20 years at companies ranging from Wells Fargo to boutique mortgage shops. Eric is an expert at making clients comfortable with the complex mortgage process and has guided clients from loan selection process through closing.
When Eric is not focused on mortgages, he is an expert tatoo artist with clients traveling across the US for his services. He also cultivates a coral farm and spends quality time with his dogs.
Heather has multiple personalities within Neat Capital. She is the Closer, Funder, Post Closer and part of the Disclosure Desk. Heather has 5 years of experience within the mortgage and finance industry, taking part in both management and non-management positions. She is results driven professional with extraordinary attention to detail. Always seeking new opportunities to educate herself, she participates in numerous trainings, seminars, and continuing education programs.
Heather is born and raised in Minnesota and has found her home in Colorado for the last 12 years. Heather is a mortgage professional by day and martial artist by night. She teaches her own classes and holds 2 black belts - a 3rd degree black belt in Uechi-ryu Karate and a 1st degree black belt in Matayoshi Kobudo. She travels the world participating in seminars and tournaments including a yearly trip to Okinawa, Japan. Outside of her busy double life, she enjoys snowboarding in the winters and hiking 14’ers in summers.
Heather Harrison has over 16 years experience in real estate. Her areas of expertise are in foreclosure investing, building rental property portfolios, property management, and multi-family and commercial acquisitions and sales. She has developed long-term relationships with entrepreneurs, executives, property owners and managers. During one of our nation's most turbulent economic times, her steadfast approach of setting clear goals and following strategic processes allowed her and her partners to enjoy tremendous profits.
As a strategic partner, Heather co-founded and developed several start-ups in the areas of real estate, education and health. She has also been a professional Life Coach and brings excellent communication skills and coaching tools to her business endeavors.
Heather holds a degree in Sociology and Business Administration from the University of Colorado. She currently resides in Colorado, and her free time is spent in nature, running, rock climbing and traveling.
Jennifer is a loan processor at Neat Capital. She began her mortgage career by starting a third-party processing company in the wholesale market with her mom. After some success with the company, she decided to leave the home office and get back into a more consistent, structured team environment. Prior to processing mortgages, she worked in accounting in both the insurance and finance industry for over 10 years. She loves the constantly changing mortgage industry and is excited to help people get to the finish line of one of the biggest purchases of their lives. She prides herself in trying to make the process as easy as possible for everyone.
Jennifer grew up in various parts of Texas until she heard the beach calling and moved to San Diego. After 10 years she decided to ditch the ocean for the mountains and is loving life in Colorado. In her free time she enjoys hiking, running, climbing, camping and just about anything outdoors. She is also passionate about cooking and had a brief stint cooking in various restaurants and catering companies after graduating from the San Diego Culinary Institute.
Barb is a Senior Home Loan Processor at Neat Capital. She began her mortgage career in 1992 and has in-depth experience with Jumbo, Conventional, FHA, VA and USDA loans. Barb is a results-oriented professional with administration, operations and management experience. She prides herself on structuring quality loans with strict adherence to guidelines and compliance considerations. Barb has processed loans from application through closing, including preparing closing packages and managing escrow and title funding stages.
Barb grew up in Nebraska and is an avid Cornhusker fan. After graduating from the Lincoln School of Commerce with an Accounting and Business Degree in 1984, Barb moved to California. After 7 years in California, she moved to Colorado to marry her husband of 26 years. In her free time, she is a 4H leader, enjoys camping and spending time in Nebraska with her family.
Matt has been working in the mortgage industry for the last 8 years. He has extensive sales experience as a Loan Officer and has been in a management role within mortgage operations for the past four years. This experience gives Matt complete knowledge of all aspects of the mortgage transaction. As a result, Matt has deep insight into how to simplify the home loan process for clients, as well as how Neat Capital can increase its efficiency. Matt has a passion for helping families and individuals attain their goal of home ownership. This passion along with Neat Capital’s technology and transparency in the mortgage industry will allow Matt to help Neat Capital’s Inside Sales team get to the next level.
Matt is a Colorado native and graduate of Colorado State University. Outside of work, Matt enjoys basketball, football, and spending time with his family. A perfect day for Matt would be going to the park with his fiancé, 6 year old daughter, and two German Shepherds.
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.
Isaac Stokes leads Business Development for Neat Capital's Colorado market. Isaac is a passionate about real estate, having rehabbed and resold multiple historic properties and also owns and operates multi family assets. Prior to that Isaac worked for 9 years in Investor Relations, assisting microcap issuers secure interest from the buy and sell side and institutional ownership. Isaac also worked as an action sports journalist covering all snow sport and mountain related themes.
A passionate outdoorsman Isaac loves spending time outside in the Rocky Mountains biking, telemark skiing and hiking in local Open Space with his wife Erin, son Logan and trusty Labrador retriever. Isaac holds a BA in Political Science from the University of Vermont. Additionally, he aspires to be office ping pong champion.
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.
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.
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.