Neat capital Review

We were referred to Melody by a friend, early in January 2019, he had worked with her in the past and had such nice things to say. Well, we ended up not buying a house then, when we realized we were not exactly ready . Then in June we started looking again and this time we decided to shop around for lenders as well, to compare. long story short we still found our way back to Melody who now was with Neat Capital and she was awesome, very transparent, she will pick up her phone at any time . She and her team made the whole process less tedious, and we closed escrow right on our time . And I m super grateful, because I love love love my new home !!!!

Neat Capital is not a reputable mortgage company. Do not trust them with your mortgage. Trust the negative reviews written here - all of the stories here of people waiting 2, 4 or in my case 6 months with very little transparency are true. I submitted dozens of documents, all pointing to an excellent credit score and a low-risk loan, and it didn't make a difference. I was told I was ready to close multiple times, only to have the goal posts moved repeatedly. I've reported them to the Consumer Financial Protection Bureau.

Please note - this poor review should not reflect poorly on the mortgage brokers, whose hands are tied. The company is devastatingly mismanaged, and needs to be investigated.

Refi with them at beginning of August. 4 months later, after pull my credit twice, still has no closing date! Every time we ask what s the hold up, they say it s due to volume! But how much volume it could be that we waited so long! How can you treat the customers like this?! Really need an explanation!

Melody Rose has been an integral part of my success working with buyers. Choosing the right lender partner is extremely important when supporting buyers with purchasing their home and I could not ask for better agent-lender relationship. Melody is professional, knowledgeable, and exhibits excellent people skills. She goes beyond the expected to support our clients and assure a successful transaction. The best of the best!

Thank you Loretta! You were a tremendous help with securing Mark and Kim Sechler's Retirement home in Lake of the Pines. Mid transaction, they were not sure about their current loan company and I sent them to you! Thanks for making sure things went smoothly and within a short time frame! You also managed to make sure they were able to sign papers early prior to their vacation! I will definitely recommend Loretta Bonander for you lender needs.

Take your business elsewhere. Refi has taken 6 months. Communication has been horrible. Finally got to what I thought was going to be the closing date and then the notary just never showed up and I was informed the signing had been canceled. No explanation as to why. The painful process in working with this lender is not worth whatever rate they are quoting. Hard to tell if they are overwhelmed or just incompetent.

I recently refinanced my mortgage using Melody Rose at Neat Capital and I couldn't be happier.
I refinanced using the unique loan product utilizing my assets to accomplish my refinance.
I first contacted the mortgage broker who initially got me the first loan on my home. The loan product he offered was a short term loan at a significantly higher interest rate than I currently had which is crazy! Especially because interest rates are so good right now and the solution he offered would have defeated the purpose of refinancing to reduce my mortgage payment.
I then called 2 credit unions who said they do not handle asset based loans.
I contacted Melody Rose at Neat Capital and she got me a guaranteed 30 year fixed rate loan. This is exactly what I wanted. I am saving over $500 a month now on my mortgage payments.
I never once had to call Melody to bug her about anything. She always called me first and always kept me in the loop on what was happening. I loved her competence and professionalism.
I live in California and during my refinance I had to go to Denver unexpectedly to take care of a family member so to easy my stress and anxiety Melody set up a notary public to come to my brother's house in Denver for me to sign my closing documents. It was such a relief and I was able to close on time.
I am telling all of my friends to go to Neat Capital for their mortgage needs and to definitely use Melody Rose. She was a pleasure to work with and really made this process easy.

The company has poor efficiency. I requested the mortage refiance about half an year. Underwriter also found some strange requests asking us to provide additional information. It is quite frustrating. Like the other reviewer mentioned, they have to pull our credit twice. stay away!!

I have worked with Melody Rose for almost a decade on all my loan mortgages needs. Melody has consistently been a trusted professional and exception with every request. She is patient, attentive and customer focused. She is straightforward, thorough and helpful in guiding you through the process from start to finish.

Melody is exactly the type of loan advisor you want working on your behalf. I would highly recommend her for any of your mortgage needs.

Reggie Johnson

Melody Rose at Neat Capital was a joy to work with. This was my second time doing business with her (she also did the loan for my condo), and the experience was great. She was very responsive, answered all my questions and provided advice that best fit my needs. She truly cares about what she does and her clients, and went above and beyond from inquiry to close. The fact that she s open to receiving and responding to texts is a plus, too! I d recommend her!!