Rent vs. Buy

Are you considering whether you should rent or buy your next home?

illustration of home with percentage

Why people decide to buy a home.

Historically low mortgage interest rates

Rents are on the rise and interest rates are down. There isn’t a better time to own.

cash back

Build equity in your home over time. Get more for your money by purchasing instead of renting a home. 


Buyers could go from applying for a loan to closing on their home in just two weeks.


Renovate, decorate, and upgrade your home and yard freely while adding to the value of your investment.

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With a fixed-rate mortgage, have confidence your monthly payments will remain the same even as rents continue to rise.

Financial health

See your financial well-being improve, as home ownership helps you build credit, equity, and financial strength.

Qualified home buyers can get pre-approved, instantly.

It takes less than five minutes to get pre-approved for a home loan with our easy and secure online application. Plus, our soft credit pull won’t negatively impact your credit score.

Mortgage without the mess.

Why pay someone else’s mortgage when you can own a home?

All too often, buying a home can be complicated, time-consuming, and intimidating. In many cases, homebuyers have to deal with a complex approval process that’s a hassle – one that has too many steps, takes too much time, and prevents buyers from making a fast, competitive offer on the home of their dreams. 

Neat Capital can help you close a home loan in less time than it takes you to move into that new rental. We’ve cleaned up the entire mortgage lending process, and we leveraged technology to analyze even the most complex financial situations. This way, we help you select the home loan that works for you.

We're here to help you through the whole lending process.

Justin Carmichael

Justin Carmichael
Director of Mortgage Lending
NMSL 103105

Justin believes in putting the power of mortgage lending into the hands of the homeowners, and he leverages Neat’s platform to let them know up-front all of the information needed while identifying possible trouble areas so that there are fewer headaches and unexpected issues or delays.

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