Neat Capital is a mortgage lender company that was established in 2015. The company works to provide home and other types of loans to borrowers. Clients can choose a loan that is most suitable for them, and a variety of different loans available on the website.

The motto of this mortgage company is to make it easy for middle-class people to improve their lives by providing them with low-interest-rate loans. Moreover, their application process is also two to three times faster than other competitive companies.

Neat Capital has been working for almost ten years in the field of finance and mortgages and is one of the best companies in the United States.

The company's customer care service is undeniably top-notch, which is why it has a positive rating. Neat Capital conducts a "soft credit pull" to determine whether your income or assets qualify for the loan before you apply. And yes, this does not impact your credit score.

Let's explore more about Neat Capital mortgage review!

Neat Capital Mortgage Review 2024

The loan application process is one of the best features of Neat Capital Mortgage. You just simply need to fill out the online loan application form, and you are ready to go.

There is no need to visit the office again and again. So, there will be no more private meetings with your lender. Customers can also track their applications from the website to check their progress.

Available Loans You Can Avail

Neat Capital offers different types of loans to its clients. The loans have varying interest rates and thus are appropriate for every kind of individual. You can opt for a loan to buy a real estate property or to refinance your home. Some of the standard loans available are:

• Conventional loans: These are the most popular loan types because of the low down payment facility. They are the most demanding loans in real estate business. You can pay up to 3% of the purchase price of the home, and the house is yours. The remaining balance can be paid off over a set time.
• FHA Loans: Low-income borrowers or those with poor credit histories can benefit from this loan's less strict requirements. This loan may also result in lower closing costs for you. So, it's an excellent option to choose this loan type. The loan is primarily for people who have less income and can't afford to buy a house otherwise.
• VA Loans: VA home loans are always a good choice for interested borrowers, compared to FHA or conventional loans. This mortgage loan can be availed through neat capital and can be used to buy a new house or other real estate property.

Reviews From Clients About Their Services

Neat Capital has a rating of 4.57 out of 5 on Zillow as of July 2022, with a handful of customers reporting positive experiences. This finance company is not BBB accredited, but it has an A+ rating with zero complaints in the past three years.

The customers also reviewed that the application process was extensive and easy to use. One good thing that customer really like about this firm is that their loan application process is swift and smooth.

Your loan will be approved within one month of the application process. That's actually very fast. The closing process for the loan also goes smoothly at Neat Capital.

Want To Apply for a Mortgage with Neat Capital? Here’s How!

If you want to avail a loan through Neat Capital, you should follow these steps:

1. You need to go to Neat Capital’s website and click on the Apply Online option.
2. Then, you need to enter the six required pieces of information about yourself. After completing all the required information, you will receive an approval letter for your loan application if it gets approved.
3. If not, you might have missed some vital information or may not be eligible. For any query, you can call their customer care centre.
4. You can also apply for another loan after approval of one loan, but there might be some terms and conditions for that. Once you have submitted a complete application, the company will run it through its system to check your assets for review.
5. Neat Capital Mortgage also offers a Platinum approval in which an underwriter will review your application and give you official approval so you can make a cash-like offer in less than 48 hours.
6. Moreover, to apply for a loan, you need to have a personal identification card and your recent mortgage statement if any.

Pros and Cons of Neat Capital Mortgage

Benefits

• One of the best things about neat capital is that they have a rapid application process. You can apply for a loan through their website within 3 minutes.
• If you want a loan early, you can apply for a platinum application. In this way you can get your loan within two days if it gets approved.
• If you upload your required papers within the first day of your application period you get a reward from the company.

Areas for Improvement

• One of the main things customers complain about is that this company is not operational all over the country. The company should have more branches.
• Moreover, Neat Capital's website is not very user-friendly. There is not much information available on the website which can be irritable for customers.

Final Thoughts

In this article, we discussed the Neat Capital mortgage review. We learned about mortgages, the application process, and how to apply for a loan. After careful observation of all the facts, we can say that Neat Capital is an excellent financial company and is gaining popularity with time.

Their customer care service is their main priority. The company has an excellent rating based on the client's reviews. We can confidently say that you can choose this company for your financial problems and it will not disappoint you.