Tomo Mortgage Reviews

They were very easy to deal with, they stayed in touch and I had no problem getting ahold of someone when I had a question, all my questions were answered very well without leaving me wondering my next steps.

We had an excellent experience with Tomo for the purchase of our house. Their team was ultra responsive and helpful throughout the process. I would use them again next time we buy a house, thanks again.

The rates were the lowest I got. The loan advisor was very attentive, available, and honest about the process. Underwriting was the easiest I have been through having done this process more than once. I'd definitely use them again if I have the need to.

Michael was a great help in getting our condo purchased. He was very knowledgeable and provided all the information we needed to make the process easy. The title company also mentioned that this was the first time they had worked with TOMO and had a good experience. I would definitely want to work with Michael again. Thank you.

Our daughter recommended Tomo Mortgage to my husband and I. At the time, we had already begun working with the lender that financed our existing home. Additionally, we’d never heard of Tomo. However, after a troublesome issue with the other lender, we decided to listen to our daughter and call Tomo. Boy, are we glad we did! First of all, the customer service is outstanding. Every single person we interacted with was top notch. They listened to our needs. They stayed on top of everything, and were extremely responsive. Never had to leave a voicemail. They always answered the phone!

Had an excellent experience with my mortgage officer—professional, responsive, and truly invested in helping me find the best loan. The process was very smooth, stress-free, and exceeded all expectations.

I discovered TOMO Mortgage through their website and was pleasantly surprised to find that their rates were lower than those offered by other mortgage brokers I had contacted. The team was professional throughout the entire process, and my settlement was handled smoothly and completed on time. Overall, I had a great experience and appreciated the lower fees.

Tomo got our closing done on time with a tight timeframe, with great rates, and with minimal fees. There was a hiccup when one of the loan officers was out sick, but others stepped in and took care of things. Credit especially to Conor.

They helped me close in ~18 days and even got done with all the underwriting sooner than that! Incredibly nice team to work with. Great rates and fee options. If I ever close again I will happily use Tomo.

Very smooth process with very little friction. Loved their clear instructions. I rarely had to contact them and when I did, they responded quickly. Tomo is definitely a 2025 company leveraging technology for our convenience!

Tomo Mortgage is not as big and established like some of the others but they have great rates and their communication skills are top tier. And if you are looking for a quick move in they will deliver on both time and date. But what I love the most about them is that they don't collect most fees unlike those other mortgage companies which was a big plus. I would definitely recommend them because I've personally use them.

Working with Tomo, and especially Michael **, Kevin ** and their teams, was a real pleasure. They went above and beyond to make the process easier and successful. I will definitely work with them in the future.

I don't normally write reviews but I'm happy to support Tomo. By far, the best rate (by 0.5%) when I was rate shopping. I had to call them to make sure it was a real company because I had never heard of them. The process was easy and seamless, they provide an easy online portal to submit documents and access updates to the loan status. When I had questions, the Tomo team was extremely responsive to phone calls and emails when I had questions. We closed on time. They will be my go-to for the future and I have already referred them to my family and friends.

Tomo offered great rates, promotions and a fairly easy initial approval process. My loan officer was really great to work with! Exactly how you want them to be. Friendly, proactive and informative. The experience with my closing specialist was not great. I repeatedly had to ask how things were, only to be told 3-4 days before multiple attempts at closing, that there was something they've known about all along that is an immediate stop.

From start to finish the easiest mortgage I have gotten, and this is not close to my first. Best rate from the start. Everything done on-line. I was ready to close in < 30 days, and when the buyer made a mistake I was able to extend the rate lock at the buyer's expense. I couldn't recommend Tomo (and Aaron **) more

Got a better rate and better service with Tomo than with the bank with whom I have a 30 year relationship! I had never heard of them before. They get you through the close and then flip the mortgage before you make the first payment.

Delivered as promised and house closed on time. Randle was professional and worked diligently to deliver great service. Even with limited time, we were able to still close on time. Was overall happy with the service and would recommend to family and friends.

Stay away at all costs. I had to hound these people if you're throughout our entire process. We almost lost the house we were going for. Also they went back on the rate they quoted me once it was too late for me to go elsewhere. If you're looking for the most stressful experience possible, look no further than Tomo mortgage. They are also great if you like babysitting because you will be holding their hands making sure they do everything on time. Special shout out to Sean ** and Paige ** who were especially unhelpful. Just when we thought it was all over, they never even paid our insurance company. Lots of wonderful surprises on the way if you work with this crew, NOT.

I was leery going with them even though they had the best rates. Many people told us to be wary of online mortgage companies. But, they said what they would do and they did it. No hidden costs. I would use them again.

Micheal ** was amazing to work with! Easy to communicate with, attentive and easy to reach if needed. He was quick to answer any questions and concerns, and was able to close on my loan 2 weeks early! Website is great and easy to use to upload documents.

We worked with Randall and Eddie for our recent mortgage. We were able to buy down our rate by 1 point for what I consider a fair price. The process was very easy and the interface was easy to use. Would recommend.

We had 2 investment property and one primary home through TOMO. Best experience and timely closing. Ted was our Agent at TOMO. We texted them round the clock and got quick reply unlike others who only reply in work hour.

I had an excellent experience with Tomo Mortgage. Their pricing was very competitive, and the team was extremely attentive and responsive throughout the entire process. They helped us meet a fast closing timeline—just about one month—which made everything smooth and stress-free. Highly recommend!

I have nothing at all to provide here apart from a 100% heartfelt recommendation to use TOMO. Their rates and fees couldn't be beaten by anyone and the process was without any issues. Thank you Craig and Marci!!!!

I applied with Tomo Mortgage after seeing their offer on Bankrate.com, showing a 4.375% 15-year fixed rate, 4.565% APR, 1.503 points, and $6,509 upfront costs. After submitting my application, the Loan Estimate I received showed 2.731 points ($8,302) and over $22,000 in total closing costs, which is drastically higher than advertised. This is false and misleading advertising. The lender also contacted my fiancé’s employer without authorization, attempting to verify his remote work status. This is a serious privacy violation under CFPB and RESPA guidelines. They kept requesting additional documents even after receiving everything listed, and the communication was inconsistent and stressful. I canceled my loan immediately after discovering these unethical practices. Consumers should be warned that the advertised rates and costs on Bankrate do not reflect the real fees in the official loan documents.

They messed up the underwriting. They failed to file an appraisal. They messed up in the HOA doc reviews. They pulled the approval because of an issue on their end the day before signing. Absolute clown show. Then when we went to a different lender they refused to send over any docs that we paid for.

I'm supposed to close tomorrow and I've gone through 2 processors with no notice. Today, the latest processor had an out of office message that just said they would be back. TBD. WTF? No communication whatsoever either time on the changes. They constantly asked for documents that had already been submitted. They have a portal to upload docs and provide "todo's". Instead of providing any todo's, they hid some document requests in a PDF that I knew nothing about. Then when I answer all of their redundant questions, they never responded to let me know if the documentation was sufficient. That was processor number one. Total nightmare with me having to control the situation through the loan process.

Tomo went above and beyond in matching a low rate from a competitor. That low rate combined with a super low origination fee made a big difference as to why I choose them. The icing on the cake was the great working relationship that followed. They were understanding and patient when my closing date got pushed back twice. I had a good experience working with Tomo and would definitely recommend them.

Just closed on a property using Tomo (first time using as lender) and it was easily the best transaction I could have asked for. Have used many other lenders in the past and there have always been issues - with communication, errors, confusion on timing, etc. This is often a confusing part of the real estate buying process - I've done this five times now and still have questions on how it all works. My broker walked me through all my options in a clear and understandable manner, and answered all my questions (as dumb as they might have been). It can be time consuming to go through all of these financing options, but my broker was patient and willing to spend the time to work through all the scenarios with me. Rest of the process was a breeze, closed on time. Very pleased and would use them again.

Company denied my application due to they can’t verify my information… I provided them social security number and my bank documents and my information and my pay stubs. It’s weird that they can’t verify you but you have my personal information. If I don't exist then I wouldn’t be able to open up a bank account in my name... this company needs to be shut down.