Business Page
Tomo Mortgage
Lender
4.5 stars
127 Reviews
Markets served
Arizona
California
Colorado
Connecticut
District of Columbia
Florida
Georgia
Idaho
Illinois
Maryland
Michigan
Minnesota
New Jersey
North Carolina
Ohio
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin
About us
At Tomo Mortgage, you gain more than just a lender— we are investors ourselves with decades of experience. We specialize in rental and primary residence/house hacking. Our Loan Officers are available 7 days/week and our online portal open 24/7 to take applications. Tomo Mortgage stands out by eliminating lender fees and offering some of the industry’s lowest rates. Our advanced technology streamlines the origination process, reducing costs and passing those savings directly to you through lower rates and higher investment returns (IRRs).
Specialties
Conventional & Gov.
Conventional Rental Loan
Conventional Loan
Reviews (127)
4.5 stars
127 Reviews
4.5 stars
127 Reviews
0.0 star
0 Reviews
5.0 stars
a week ago
Reviewed by
Sean Wiedel
We recently worked with Tomo on a mortgage for our home. We needed to close in about 3 weeks because of requirements from the seller. After doing research, we found that Tomo had some of the best rates available. The financing process was quick and efficient, and the Tomo team provided updates as needed along the way. We closed on time at a very competitive rate. We would use Tomo again.
5.0 stars
3 weeks ago
Reviewed by
Mary Lautzenhiser Bellon
My experience of Tomo Mortgage was fantastic. Every step of the way people were helpful and informative. Pete and Marci really walked along side me. Every time I had a question they quickly responded. I highly recommend this company. They made the process fun.
5.0 stars
4 weeks ago
Reviewed by
Gyan Penrose-Kafka
As a first-time home buyer, I felt like I didn't know anything. I had initially gone with another lender that was recommended to me. However, a little ways into the process, I checked out Tomo and discovered that they were more flexible and responsive and best of all, I could save a chunk of change. I worked with Michael, who was responsive and informative. He helped me get a good rate, good terms, lower costs, and even pitched in the appraisal fee that I had paid the other lender. I did have a few snags that pushed the closing right up to the last second where the closer from Tomo was unresponsive to the lawyer who was handling the transaction. I had to reach out to the closer myself to get traction. So, I suggest that you stay on top of things and make sure that you are proactive in your communication. All in all, I will recommend Tomo.
5.0 stars
a month ago
Reviewed by
John Winters
Tomo will go the extra mile to get the best deal for your mortgage. Peter G. found a great rate for a 15 year loan that perfectly suited our needs and Rachel S. stayed in constant communication and follow up quickly to ensure the underwriting process went smoothly. Team Tomo have people with big hearts but are locked on when it comes to getting the work done. You won't go wrong working with Tomo!
5.0 stars
a month ago
Reviewed by
Gaurav Sood
In an industry filled with over promises , confusion, and all types of random fees. Tomo was the most responsive, easiest to work with, and most trustworthy lender I had engaged with. Ask for Craig Smith who would reply to my emails, calls, and texts at all hours and helped me feel in good hands throughout the whole process. He was able to rate match as well, and unlike others who can take forever to confirm a rate match he confirmed and locked it in 2 hours!
5.0 stars
a month ago
Reviewed by
MaryRose DiMauro
Tomo made buying my literal dream house a great experience. The application process was simplified and clear. I loved working with James and Sarah because they kept me informed and explained every step. I'm so grateful that buying my first house and forever home was a positive experience!
5.0 stars
3 months ago
Reviewed by
Jose Salinas
Exceptional Service from Start to Finish
Working with Tomo Mortgage was a seamless and truly remarkable experience. From the very first interaction, the team provided personalized service that made me feel like a priority. Their rates were highly competitive, beating out others we had considered, but it was their consistent communication and dedication that set them apart, I want to highlight James McTernan and Sarah Smith. They kept us informed at every step, answering all our questions promptly and ensuring that everything was handled properly up until the closing. We felt confident throughout the entire process knowing that we were in such capable hands. I highly recommend Tomo Mortgage to anyone looking for a smooth and stress-free mortgage experience!
5.0 stars
3 months ago
Reviewed by
Ryan Sanderson
I had an incredible experience with Tomo Mortgage! Aaron and Eartha were absolutely amazing—prompt, professional, and always communicative. They kept me updated every step of the way, ensuring I knew exactly where I was in the process. Their thoroughness in walking me through each detail made everything feel so easy and stress-free. Both Aaron and Eartha were always available to answer my questions, giving me complete confidence throughout. I highly recommend Tomo Mortgage, especially if you're lucky enough to work with Aaron and Eartha. They made the experience exceptional!
5.0 stars
a week ago
Reviewed by
Sean Wiedel
We recently worked with Tomo on a mortgage for our home. We needed to close in about 3 weeks because of requirements from the seller. After doing research, we found that Tomo had some of the best rates available. The financing process was quick and efficient, and the Tomo team provided updates as needed along the way. We closed on time at a very competitive rate. We would use Tomo again.
5.0 stars
3 weeks ago
Reviewed by
Mary Lautzenhiser Bellon
My experience of Tomo Mortgage was fantastic. Every step of the way people were helpful and informative. Pete and Marci really walked along side me. Every time I had a question they quickly responded. I highly recommend this company. They made the process fun.
5.0 stars
4 weeks ago
Reviewed by
Gyan Penrose-Kafka
As a first-time home buyer, I felt like I didn't know anything. I had initially gone with another lender that was recommended to me. However, a little ways into the process, I checked out Tomo and discovered that they were more flexible and responsive and best of all, I could save a chunk of change. I worked with Michael, who was responsive and informative. He helped me get a good rate, good terms, lower costs, and even pitched in the appraisal fee that I had paid the other lender. I did have a few snags that pushed the closing right up to the last second where the closer from Tomo was unresponsive to the lawyer who was handling the transaction. I had to reach out to the closer myself to get traction. So, I suggest that you stay on top of things and make sure that you are proactive in your communication. All in all, I will recommend Tomo.
5.0 stars
a month ago
Reviewed by
John Winters
Tomo will go the extra mile to get the best deal for your mortgage. Peter G. found a great rate for a 15 year loan that perfectly suited our needs and Rachel S. stayed in constant communication and follow up quickly to ensure the underwriting process went smoothly. Team Tomo have people with big hearts but are locked on when it comes to getting the work done. You won't go wrong working with Tomo!
5.0 stars
a month ago
Reviewed by
Gaurav Sood
In an industry filled with over promises , confusion, and all types of random fees. Tomo was the most responsive, easiest to work with, and most trustworthy lender I had engaged with. Ask for Craig Smith who would reply to my emails, calls, and texts at all hours and helped me feel in good hands throughout the whole process. He was able to rate match as well, and unlike others who can take forever to confirm a rate match he confirmed and locked it in 2 hours!
5.0 stars
a month ago
Reviewed by
MaryRose DiMauro
Tomo made buying my literal dream house a great experience. The application process was simplified and clear. I loved working with James and Sarah because they kept me informed and explained every step. I'm so grateful that buying my first house and forever home was a positive experience!
5.0 stars
3 months ago
Reviewed by
Jose Salinas
Exceptional Service from Start to Finish
Working with Tomo Mortgage was a seamless and truly remarkable experience. From the very first interaction, the team provided personalized service that made me feel like a priority. Their rates were highly competitive, beating out others we had considered, but it was their consistent communication and dedication that set them apart, I want to highlight James McTernan and Sarah Smith. They kept us informed at every step, answering all our questions promptly and ensuring that everything was handled properly up until the closing. We felt confident throughout the entire process knowing that we were in such capable hands. I highly recommend Tomo Mortgage to anyone looking for a smooth and stress-free mortgage experience!
5.0 stars
3 months ago
Reviewed by
Ryan Sanderson
I had an incredible experience with Tomo Mortgage! Aaron and Eartha were absolutely amazing—prompt, professional, and always communicative. They kept me updated every step of the way, ensuring I knew exactly where I was in the process. Their thoroughness in walking me through each detail made everything feel so easy and stress-free. Both Aaron and Eartha were always available to answer my questions, giving me complete confidence throughout. I highly recommend Tomo Mortgage, especially if you're lucky enough to work with Aaron and Eartha. They made the experience exceptional!