Some homebuyers just don’t fit the standard mold. Maybe their income looks different on paper. Maybe they’ve got unique goals or tight timelines. Whatever the case, when other lenders throw up their hands, we roll up our sleeves.
That’s exactly what happened with James.
A Situation Most Lenders Walked Away From
James T. owns multiple properties and runs a successful business, but because his income wasn’t straightforward, he kept hearing “no.” Lenders weren’t just saying they couldn’t help—they weren’t even returning his calls.
But when James came to NEO Home Loans, we didn’t see a problem. We saw potential.
With the right tools, strategic partnerships, and some creative thinking, we built a custom loan strategy tailored to his situation. It wasn’t simple—but it was possible. And we stuck with him through every twist and turn until it closed.
“I had been turned down and written off more times than I could count. But NEO didn’t look at my situation like a problem—they looked at it like a puzzle worth solving. They got it done when no one else could.”
— James T.
From Panic to Peace of Mind
Mike W. had a different kind of challenge. He was already under contract on his dream home when the rug was pulled out from under him. His lender—one of the big national ones—suddenly yanked his approval, no explanation.
That’s when his real estate agent stepped in and introduced him to NEO.
We sat down with Mike and walked him through everything—monthly payments, cash to close, what each option meant for his future. No one had done that for him before. By the end of the call, he had clarity, a new strategy, and a plan that actually made sense.
We restructured the loan and helped him close just a few weeks later.
“NEO saved my home purchase. They gave me real answers, real support, and a clear path forward. I’m beyond grateful.”
— Mike W.
A Long-Awaited First Home
Jane and Tristan had been looking for their first home for two years. Vermont’s market wasn’t making it easy—low inventory, high prices, and plenty of competition. They were hoping for something unique, but affordable.
A past NEO client—Tristan’s dad—recommended us. From the first conversation, we were in their corner.
We looked at listings together, analyzed market data, and ran the numbers on different scenarios. We even helped them tap into programs like VHFA and temporary rate buy-downs to make the monthly payments more manageable.
In the end, they found the home they’d been waiting for, tucked away in the Vermont woods.
“They weren’t just trying to get us into any house. They planned for our future while giving us smart options for today.”
— Jane
From Renters to Homeowners with a Plan
When Yanderi’s lease expiration was just around the corner, they knew it was time to stop renting and start building equity. But like many first-time buyers, the upfront costs felt overwhelming.
That’s where a little creativity—and teamwork—made all the difference.
We partnered with their agent, negotiated a seller concession, and used a down payment assistance program to bring their total out-of-pocket to just $11,000 on a $486,000 home.
“We were first-time homebuyers, and the NEO team made the process so smooth. They explained everything, helped with the paperwork, and were just there for us.”
— Yanderi
What Sets NEO Apart?
Whether you’re juggling multiple properties, picking up the pieces after a loan falls through, or buying your first home—we show up with solutions, not red tape.
At NEO, it’s never just about closing a deal. It’s about building trust, offering guidance, and helping you make the smartest possible move for your future.
Thinking About Buying a Home?
If you’ve been turned down, feel like your situation is too complicated, or just want a lender who will listen—we’re here for that.
Let’s have a conversation. No pressure. Just real answers and a path forward
