Mortgage made simple.

We take you step-by-step to get your home loan done right, even if you have a complex financial situation.

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Why Neat?

When we decided to create Neat, we started our mission to clean up the entire mortgage lending process. We wanted to leverage technology to analyze even the most complex financial situations. This way, we could approve and secure home loans quickly and easily. From there, we’d work backward to ensure each step of our lending process would be intuitive and transparent for our busy home buyers.

Cash-like offer in 2 days

Buyers receive official approval to make a cash-like offer in as little as 48 hours.

cash back
$50,000 of your earnest money backed

Buyers with an approved home loan are backed with an extra level of financial security.

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Clear to close 3x faster

Leverage our smart online application to get your home loan submitted easily and quickly.

Gain full visibility into mortgage rate requirements.

We work hard behind the scenes so you don’t have to. Our refreshingly neat platform serves up only the questions that are relevant to you. Nothing more, nothing less. See if your income and assets qualify even before the application is submitted. Plus, understand what’s required to get the best mortgage rate.

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Select the home loan that works for you.

Adjust your down payment, explore loan types available for you, and compare multiple scenarios before you apply. 

Analyze home loans based on your financial goals.

Easily compare monthly payments or cash at closing among loan options. Analyze savings at closing, payment savings, equity increases, and tax benefits as well. 

A refreshingly "neat" list of all your required documentation.

View everything needed to finalize your home loan so that you can compete with cash-like offers in competitive markets.

Earn $100 to upload files in the first 24 hours.

how neat works

How Neat Works.

We provide real-time underwriting so that once your application is complete—you really are ready to go. You’ll have everything you need to make a competitive, cash-like offer on the home (or homes) you’ve got your eye on. The best part is, you’ll have complete visibility into the process from start to finish. It’s quick, clean, and all about you.


You’re free to feel absolutely secure,
informed, and at ease with your home purchase.


We’ve de-cluttered the approval process so you can get the home loan you need as quickly as possible. 


Finding the right house is complicated enough, your mortgage shouldn’t have to be. 

We’ve designed a modern approach to home financing, closing home loans 3x faster than the industry average.

Chat with one of our loan officers.