Tomo Mortgage Reviews

Tomo's rates are some of the best in the industry. Great company to work with. Loan officer Aaron ** was fantastic, worked with us for a quick closing, helped us lock in a great rate at the right time.

Great Experience with Tomo. Found them as the lowest rate on Bankrate. Extremely responsive, easy to work with, gave us the exact rate as advertised and exceeded expectations. Closing process was smooth and the processing and closing team was easy to get a hold of, ensured we submitted everything well in advance, and spoke to us on the phone whenever we needed them. Exceeded overall expectations. As someone who was looking for the lowest possible rate, I was pleasantly surprised to not only get a low rate, but great customer service.

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.

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!

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.

The Buyer's Agent is on my team as I am the team leader. I oversee the process of all the buy/sell sales. Communication broke down with the communication between the Buyers', the buyer's agent and the TOMO team. I helped solve the probelm with communication and got everything back on track. Then trying to make closing date, I had to give a little push to get TOMO to get moving. REsponse was "I have 80+ files I am working on." I understand that but WE have a client that needs to get their house closed and then the seller could buy their house and the Seller of that house can move on. (3 families waiting for 1st closing). One of the families had to move into their camper to live a week plus. Just irritating that there was not rush to make this happen. Then TOMO's lender told his processor to stop communicating with all of us. Of course, we missed the closing date.

Extremely efficient process with great communication.

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.

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!

Great rate with very minimal fees, and awesome customer service across the board. Did everything fully online or by phone and text. We were able to make an offer on a home and close in under 3 weeks on the financing side, which was a big plus for seller during the holiday season. Our biggest wrinkle was that the seller did have some concerns about our using an online lender they didn't know instead of a larger bank, but Tomo called them and the seller was ok with it after. Overall would use again and recommend based on experience. They don't offer HELOC or home equity loans, so if you are planning to renovate you'll need to find a different lender (not a huge deal, but worth knowing).

Outstanding communication from start to finish — they kept me informed at every step and responded promptly to all questions. The team provided truly individualized service, taking time to understand my needs and suggesting the best options for my situation. The document submission process was seamless and user-friendly; uploading required paperwork was straightforward and clearly organized. Their expertise and attention to detail made the mortgage process feel easy and stress-free. I appreciated the transparency and guidance throughout. Highly recommend this lender for anyone seeking professional, personalized service and a smooth, efficient mortgage experience.

It was an extremely pleasant and easy experience to apply for a mortgage with Tomo. Jeffrey did a fantastic job helping me, and the entire team subsequently got me approved quickly. Thanks to their attentive service, even over the weekend, our offer was accepted and we were able to purchase the house we wanted. Excellent communication, fast service, and very knowledgeable. Great rates as well!! Highly recommend.

TOMO had the absolute best rates and Conor my agent assigned to me was great. Every time I had a question it was answered quickly. We closed on time and I have no complaints. Anyone looking for the best rates should go with TOMO.

Tomo saved me big time. I was working with a different lender that was charging me thousands of dollars in origination fees with a high interest rate. When I switched to Tomo they charged me no origination fees and got me a 0.4% lower interest rate. Randell and his team closed the loan on time as promised and saved me a bunch of money.

Our lender went above and beyond to make sure we closed on our home. They were proactive, transparent, and truly invested in helping us meet our timeline. Every question was answered quickly, every hurdle was handled smoothly, and their dedication made the entire process stress-free. On top of all this, their rate was incredible compared to other lender. Highly recommend!

This review is specific to our loan advisor, Michael **. He was beyond helpful - he really worked for us as we had some atypical elements to our house purchase. He was also just a great communicator and completely knowledgeable of his field and the Tomo business model. We were pretty knowledgeable coming into the process, and Michael respected that, but we also learned a lot from him. He would be our first choice, hands down, to work with again in the event we are ever in the market for another residence.

Doug was great from start to finish! Great rates, great communication, easy underwriting. Would be happy to do business with them again. Hope to refinance when rates come down. Have referred multiple friends who’ve had the same experience.

Working with TOMO as my mortgage lender was one of the best decisions I’ve made during my home‑buying journey. From the very beginning, their team made the process feel simple, transparent, and stress‑free. What stood out most was their commitment to speed and efficiency—TOMO’s digital platform streamlined every step, eliminating the usual back‑and‑forth paperwork and giving me real‑time updates. I always felt informed and in control.

Our experience with Tomo Mortgage was flawless. We worked with Andrew ** and Carmen ** and they were both quick to respond to our questions and communicated with us regularly throughout the process to provide updates on the status of our mortgage application. I would highly recommend Tomo Mortgage to anyone looking for a great rate and top shelf customer service. Ours was a five star experience! Thank you Andrew & Carmen and everyone at Tomo!

We worked with Peter ** to start our loan process, and while things seemed fine initially, the experience quickly turned into a nightmare. Despite a 60-day escrow, there were last-minute surprises right before closing. We were assured everything was on track until the week before closing—clearly, our loan was pushed to the back burner and only checked at the last minute. After closing, the problems didn’t stop. They failed to pay our property taxes, and there was no way to reach anyone for help. We called and texted multiple times with little to no response. Four months after closing, we started receiving lien notices because the tax bill was still unpaid.

Tomo offered us the best mortgage rate and promptly closed our property within the expected duration. The team was always available to answer our questions and ensured a very smooth process throughout.

Was really tired with other companies trying to ask for information in old clunky ways. Tomo was so streamlined the whole process seemed like buying something on Amazon. The website is really well done and works perfectly. Employees are quick to respond on emails where necessary.

Tomo Mortgage provided great service and offered an outstanding rate and points costs. I monitored the market, and Tomo stayed at the top of the good deals. As a result, I went with Tomo as my Lender company. Even more, we were able to speed up the process and close the deal a few days earlier. Tomo supported this and adjusted to the new close date.

Processing was very simple. Everyone was very helpful, it was quick, I found rate was lower than any other bank, they walked me through where I needed help, it was my investment home, I strongly recommend Tomo.

It was a pleasure working with Tomo. Smooth process, good communication, professional experience throughout. From the 1st interaction with Connor all the way to closing, everything went without hiccups.

Great interest rate. Great customer service. Smooth closing and very thorough. Easy to use website and provided guidance throughout the entire process. Again smooth, closing great service couldn't ask for anything more.