Tomo Mortgage Reviews

I had a fantastic experience working with Tomo Mortgage. I worked with Andrew **, Michael **, and Jasmine **. Great team to work with! Throughout the process their communication was clear, prompt, and consistent, which made everything feel smooth and stress free. They demonstrated a high level of professionalism and experience.

The team made it so easy. In the past I did try to work with other companies, they made so difficult I stopped trying to buy a home. I’m happy I gave it one more try. The experience I had with Tomo was painless.

After a terrible experience with another lender during week of market volatility, we had to quickly pivot over to TOMO. Truly valued the responsiveness, swift call to action, and transparency. The opportunity to eliminate origination fees, while still getting a great rate and pleasurable experience, really helped reduce stress and hiccups along the way. I think they are disrupting an old industry in some ways and I wish this organization success if they can continue to help people achieve home buying goals. Our loan officer, Joseph, was outstanding even late on a Friday. And our application advisor, Charlene, helped facilitate this to completion.

We recently closed the transaction of our home with Tomo being our lender. From the beginning of our search, after comparing a few rates, both online and traditional banks and lenders, we chose Tomo due to their competitive rates. Our offers got outbid a few times over the course of 7,8 months and eventually we found the one. Aaron was helping us on our loan and he was responsive and the process was easy for us. I do recommend before closing, shop around again and if you see lower rate, Tomo does match. But you need the official loan estimate from the competitor. We are happy overall with our experience.

I was unfamiliar with Tomo when I began looking at mortgage lenders, but quickly saw that they were responsive, their fees were very reasonable, and they provided their best interest rate up front. I did shop fees and rates elsewhere, but Tomo was the best and there was no high pressure sales tactics.

I had a great experience with Tomo. Great communication and follow-up throughout the process. They were a pleasure to work with and got everything done for me on time and as promised. Highly recommended!

Extremely efficient process with great communication.

Our twin sons attend the same university out of state. Unfortunately, they are not guaranteed housing after freshman year. Since the going rental rates for two people would have cost us the same as a mortgage payment, we decided to buy. Properties get snatched up quickly in the college town so we needed a mortgage company that could work fast. TOMO did just that. They also had the best interest rate and no origination fees! The whole process was user friendly and convenient.

Sean did an amazing job. He got my loan to the finish line and jumped in even after his job was done to fix an issue. I highly recommend reaching out to Sean at TOMO and the TOMO team. I would definitely use them again.

My wife and I were buying a new home and needed some additional assistance from Aaron and his team at Tomo Mortgage. Not only did they work extremely diligently and communicate effectively to guide us through the mortgage process, but they also coordinated with our bridge loan provider because our previous house had only been listed recently. Both went smoothly, and we were able to use the bridge loan to put down enough on the Tomo mortgage so we would not need to have PMI, which was a huge deal for us.

Excellent communication. Accurate information. Followed through on promises. Knowledgeable employees who were willing to answer all my questions. Better than my traditional broker on all fronts. Would use again.

Very impressed with the TOMO team! They were professional, responsive, and a pleasure to work with — our realtors and title company also agree. We even managed to close early so we could enjoy our home for Thanksgiving! Highly recommend!

We had a great experience with Tomo Mortgage from start to finish. Doug was incredibly helpful and responsive throughout the entire process, taking the time to explain each step and making sure everything stayed on track. The entire Tomo team was professional, efficient, and easy to work with. Their website is very user-friendly, and the whole process was straightforward and transparent, which made buying a home much less stressful. From submitting documents to tracking progress, everything was clear and well-organized. I would highly recommend Tomo Mortgage to anyone looking for a smooth, modern, and reliable home-buying experience.

Working with Tomo Mortgage provided an exceptional experience, particularly regarding their competitive interest rates. Our loan officer was incredibly informative, patiently guiding us through every step of the process. The underwriting team demonstrated remarkable efficiency, ensuring a smooth and timely closing. We were consistently impressed by their professionalism and clear communication throughout. Overall, Tomo Mortgage exceeded our expectations as a home financing partner.

I found about Tomo Mortgage after I had already been prequalified with another lender. Seeking for a better intetest rate, I submitted a request to Tomo late one Sunday night. The next morning, Loan Advisor Peter ** called me. I explained to him that I had already been conditionally approved and my closing was scheduled in only a couple of weeks. Not only did Peter and his team offered me a better rate, they also significantly reduced my cash on hand and help my family close on time. Please check them out for all your mortgage transactions and, like my family, you will not regret that you did.

I switched to Tomo Mortgage from my original lender because of their rate, but the experience was a nightmare. Communication was poor, and they repeatedly asked for documents at the last minute—even on the day of closing—despite us responding quickly to every request. This caused our closing to be delayed by several days. They also required us to bring significantly more money to closing at the last minute, which was never clearly communicated. Overall, they promised a smooth process and didn’t deliver. I wouldn’t recommend them, especially for first-time homebuyers.

I just completed a closing with Tomo Mortgage and I wanted to write this review. We found a house that we loved and was attached to our family's land so we needed fast approval and low rates to be able to purchase this property. I first went to our own bank who we have been doing business with for over 50 years and were a preferred customer. They said the approval process would be 8 to 10 weeks. We could not wait that long so we found Tomo Mortgage! Thank goodness we did. My experience with them was exceptional from start to finish. They first gave us conditional approval in 5 days, which was a quick and smooth process. They gave us the lowest rates we could find anywhere and their loan process was smooth - they turned everything around far faster than I expected. Their loan cost were minimal, transparent, and free of any surprise fees. But what truly made the experience outstanding was the team itself!

I was concerned using a new mortgage company vs. the ones I had already established relationships with, but Tomo was easy to work with and had a great offer. After closing, I have no complaints at all, and I feel they valued my business. Tech-forward approach. Small issue where their system flagged my property as in a flood plain (it's not). Easily resolved when I challenged referencing FEMA and state maps. Otherwise, even my realtor was impressed with the deal and execution.

TOMO was a great help for my family while buying a home. Their web interface was simple and made sharing documents a breeze, our rep (Randell) was attentive, available, and knowledgeable, and the rates they were able to help us secure even surprised our Title Company. Throughout the process I felt supported and I truly got the best rates around!

I truly appreciate Doug and Kevin from Tomo… They were very efficient, professional, and level headed. They made sure all my paperwork was complete and submitted. The best part is they continuously updated me throughout the process. Thank you so much!