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Business Page


business profile image

Tomo Mortgage

Lender
4.5 stars
120 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

Licenses


Company NMLS
#2059741
Additional info available at the NMLS consumer access website

More ways to connect


(737) 510-2523

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 (120)


4.5 stars
120 Reviews
4.5 stars
120 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
3 days ago
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.
reviewer image
5.0 stars
|
a week ago
Reviewed by Gary Murtagh
I am just approaching my first anniversary as a first time homeowner. I feel an obligation to thank the people at Tomo Mortgage for making it a reality, given that I had no experience about the home buying process I needed people to walk me through and explain the process , Tomorrow done exactly that. I felt a personal connection with the Tomo guys, given that I am a single working parent I felt I may not have qualified for approval. But Tomo bent over backwards and worked extremely hard to make my dream come true. Forever grateful. I would highly recommend Tomo Mortgage. Thank you guys and merry Christmas. My son and I will be spending are first Christmas in are home. Thank you
reviewer image
5.0 stars
|
a week ago
Reviewed by Erik Diakun
Tomo was great! Most importantly they secured the best rate (we shopped five other lenders)! From initial contact with James (loan officer) through processing and closing, everything was seamless! Highly recommend!
reviewer image
5.0 stars
|
a week ago
Reviewed by Sean Mournighan
They use technology to make everything easier. They were able to see my account history, verify downpayment, and even take my ID through their simple online portal. They had everything ready a full 3 weeks before close. They looked out for me and helped me pick the best loan that met my needs. Fantastic. All mortgage companies could learn from Tomo.
reviewer image
5.0 stars
|
a week 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.
reviewer image
5.0 stars
|
2 weeks 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!
reviewer image
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!
reviewer image
5.0 stars
|
2 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!
reviewer image
5.0 stars
|
3 days ago
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.
reviewer image
5.0 stars
|
a week ago
Reviewed by Gary Murtagh
I am just approaching my first anniversary as a first time homeowner. I feel an obligation to thank the people at Tomo Mortgage for making it a reality, given that I had no experience about the home buying process I needed people to walk me through and explain the process , Tomorrow done exactly that. I felt a personal connection with the Tomo guys, given that I am a single working parent I felt I may not have qualified for approval. But Tomo bent over backwards and worked extremely hard to make my dream come true. Forever grateful. I would highly recommend Tomo Mortgage. Thank you guys and merry Christmas. My son and I will be spending are first Christmas in are home. Thank you
reviewer image
5.0 stars
|
a week ago
Reviewed by Erik Diakun
Tomo was great! Most importantly they secured the best rate (we shopped five other lenders)! From initial contact with James (loan officer) through processing and closing, everything was seamless! Highly recommend!
reviewer image
5.0 stars
|
a week ago
Reviewed by Sean Mournighan
They use technology to make everything easier. They were able to see my account history, verify downpayment, and even take my ID through their simple online portal. They had everything ready a full 3 weeks before close. They looked out for me and helped me pick the best loan that met my needs. Fantastic. All mortgage companies could learn from Tomo.
reviewer image
5.0 stars
|
a week 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.
reviewer image
5.0 stars
|
2 weeks 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!
reviewer image
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!
reviewer image
5.0 stars
|
2 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!

Our Team


Emanuel Santa-Donato
Lender