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, CO with an office in Westport, CT.

Our Specialty

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.

Our Values


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.


Innovation in Mortgage

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.


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.

Ready to finance your dream home?

Our Team

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


Luke Johnson

Founder & CEO


Tom Furey

Co-Founder & SVP Product Development, Finance & Lending


Steve Herschleb

Co-Founder & CTO


Ashay Brahmbhatt

Director of Operations


Chris Carmichael

National Sales Director

We are always hiring talented people. Interested?

Personalized Service

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