The smarter way
to finance a home.

As a fintech company & mortgage lender, we value speed, transparency, and certainty throughout the entire home financing process.

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Neat Loans mortgage financing
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Neat Loans mortgage financing reviews
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Upgrade Your Pre-Approval Letter

The power of a Platinum Pre-Approval

With our Platinum Pre-approval, you're 3x more likely to win your dream home in a competitive real estate market. Bid on homes without a financial contingency using a cash-like offer.

We transform the complex
into something simple & neat.

Neat Loans mortgage financing

Refinance multiple rental properties

"My primary lender was put off by my rather complicated financial picture including multiple rental properties. [Neat] was super friendly and accessible. They helped guide me through the process and the Neat Loans web portal made the whole experience seamless. As a veteran of many loans through multiple lenders, I was highly impressed with Neat. Would definitely recommend them!" - Roddy H.

Start my refinance estimate.

Purchase a second home or investment property

"While I was already working with another local lender when I found Neat Loans, the costs were dramatically lower so I decided to switch. My local lender was suspicious of the low rates and offered to be my 'backup lender' if things didn't work out. My application was assigned to Erik Lifner and he has been absolutely awesome to work with....If it hadn't taken so long for the appraisal to get back, I believe Neat could have closed in 10 days! My original lender wanted 45 days. As if all of that isn't enough reason to give this team a try, the title company officer was surprised at how low my rate was for investment property! Give this company a try. You will not regret it!" - Cindy L.

Get custom home loan rates.

Refinance Your House

"The entire experience refinancing our house was great with Neat. Paul Gresh was incredibly helpful and came back to me several times with better pricing/promotions to help us get the best price possible. He checked in at appropriate intervals and was clear in getting us through the process." - Ben C.

Should I refinance?

Buy Your First Home

"Neat made the process of applying for my first solo mortgage a success. They made a very stressful process, feel calm and controlled. Their team was knowledgeable and very responsive. I had 100 questions and they answered all of them quickly and thoughtfully. It felt like they were my partners every step of the way and had my best interests at heart." - Sophie B.

Get a pre-approval letter.

Access Cash-Like Offers

"In a highly competitive market it allowed my buyers to apply for their mortgage and get through the underwriting process before they searched for a home. Once they found the home of their dreams they found themselves in a multiple bid situation. The platinum loan allowed them to submit their bid free of a mortgage contingency, thereby giving them the edge to win the bid!" - Ellen, Realtor

Apply now.

Finally, a mortgage without the mess.

Neat's smart online application allows for a faster, more certain home financing process.



Close your home loan in as few as 15 days. (The average lender closes in 50+ days.)


hour loan approval

Don't wait weeks to know if your home loan is officially approved. We underwrite (aka approve) your purchase application from the onset so that you have the certainty you need to focus on other things.


minute pre-approvals

Get a quick refinance estimate or view customized home purchase rate options in just a couple minutes.

Learn more about Neat Loans

Experience a
neat company.

Neat Loans mortgage lender