What we offer

A surprisingly joyful experience—exactly how getting a home loan should be.

Great rates

Great rates

We believe great service should include great value.

It’s why we offer great rates and we don’t charge lender fees. Kind of a no brainer. And if you find a better rate, we’ll match it. We call that Price Match, but you can go ahead and call it “money in my pocket.”

How We Do It

What is the Tomo Price Match?

Put simply, it’s our commitment to getting you a great rate. If you find a better deal, we’ll match it, guaranteed.

What do I need to qualify for Price Match?

Give us a valid, comparable Loan Estimate doc, dated within one business day of submission to Tomo, with the lender info. That’s it.

Why are the rates so low?

We’ve simplified the home financing process to make it easier and more cost-efficient. We pass those savings back to you. Bottom line, you save time and money.

What are lender fees?

Lender fees are also sometimes called origination fees, processing fees, mystery fees, fees fees, and generally murky stuff designed to be confusing. Luckily we don’t charge any of them.

Read more about Price Match terms.

Tomo pre-approval

Tomo pre-approval

Shop for your new home with confidence.

Buying a home is a big deal. With a Tomo pre-approval you know what you can afford and can be confident you're putting your best foot forward when you're ready to make an offer. In a hot market? We can underwrite your pre-approval to further strengthen your offer.

How We Do It

What types of pre-approval does Tomo offer?

Tomo offers both a verified and underwritten pre-approval.

What is a verified pre-approval?

A verified pre-approval provides a comprehensive and accurate assessment of your finances, without requiring a hard credit check, to show you and potential sellers what you can afford. We'll verify your credit score, income, debt, and real estate ownership, and then get back to you within 3 business hours.

What is an underwritten pre-approval?

An underwritten pre-approval provides the most complete assessment of your finances. Your information and eligibility are reviewed and confirmed by an underwriter. This further validates your pre-approval and can strengthen your offer with potential sellers. To underwrite your information, a hard credit check is required.

How will getting a pre-approval affect my credit?

A verified pre-approval will not affect your credit, as it requires only a soft credit check. Only an underwritten pre-approval requires a hard credit check. Typically, hard credit checks impact your credit by no more than 5 points, or potentially not at all if done within 45 days of another hard inquiry by a mortgage lender. Tomo will always ask for your permission before checking your credit.

Does my pre-approval letter expire?

Tomo pre-approval letters are valid for up to 6 months, so there’s no rush to find the right home.

Close on time

Close on time

No delays. No worries. Because that’s how it should be.

We’ve streamlined the mortgage process so critical steps happen earlier and you move in on time—it’s something we take very seriously. How serious? To date we’ve closed 98% of our loans on time compared to an industry average of just 40%. Get your calendar and a marker—this is happening.

How We Do It

Why is closing on time important?

In home buying, there’s no time for closing delays. They can send a deal off track and even cause a seller to back out. Our near-perfect on-time closing record assures both you and the seller that the deal will get done, so you can move in on time.

How do you know we’re serious about it?

Besides our record of closing 98% of our loans on time (compared to the industry average of just 40%), our loan team is extremely communicative and clear about what needs to happen so you can get in your home. We’ll be there to help you through everything—step by step—and if we need to put in some extra hustle on the back end to get you across the finish line to your new home on time, well, that’s just what we’ll do.

How do we do it?

Our expertise is in purchase loans—it is all we do. We know where delays typically happen and we’ve moved those critical steps earlier in the process to keep things moving towards your on-time closing.

Tomo Perks

Tomo Perks

Match with a great real estate agent and save.

Tomo Brokerage Partner Agents are hand-selected to meet the highest standards of customer service and matched to your specific needs. If you work with a Partner Agent and close your loan with Tomo, we’ll take $750 off your closing costs. Cha-ching.

How We Do It

Do I need to work with a Tomo Brokerage Partner Agent to get a Tomo Mortgage?


Who are Tomo Brokerage Partner Agents?

Hand-picked all-stars with experience in the neighborhoods where you want to live. They leverage their local expertise to help you find the perfect home. They help you optimize your search criteria, negotiate a great deal, and navigate the process. They can also help you find pros to put the finishing touches on your home.

How will I meet my agent?

Once you’ve made your selection, Tomo Brokerage will send a message connecting you both directly. Then you can talk through your goals and start touring homes! Keep in mind we don’t match and run. Tomo will be with you the entire way.

Read more about Tomo Perks terms.

Experts at the ready

Expert guidance

Knowledgeable, responsive humans here to help—7 days a week.

We pair you with a loan advisor that knows your market, and we’ll communicate in whatever way works best for you: text, email, phone, or chat.

How We Do It

Am I going to have to speak to a robot?

At Tomo, we don’t employ robot overlords, only friendly knowledgeable humans.

What makes us experts?

Our loan advisors have years of experience helping home buyers get into their new home. Their #1 goal is helping you understand your options to find what loan best fits your needs. They are experts at every step of the mortgage process—from helping you to understand what you can afford to closing on your new home.

When are we available?

We are available 7 days a week, 7 AM-9 PM Central Time. We are closed on New Year’s Day, Martin Luther King Jr Day, Memorial Day, Independence Day, Labor Day, Veteran’s Day, Thanksgiving Day, and Christmas Day. If you need us on Halloween, we’ll be there, but we might be wearing a costume.

Easy and efficient

Easy and efficient

Buying a home shouldn’t feel like a hassle.

We’ve built a digital experience to simplify the entire process, saving you time and stress. Get a personalized rate quote, apply for a pre-approval or loan—all online. Connect your financial accounts directly to verify your information. It’s what home buying in 2022 should look like.

How We Do It

Will I have to keep typing in the same info over and over?

Nope. That’s what streamlined means.

Do I have to do this on a computer or can I do it on my phone?

You decide. Our digital experience is available on both desktop and mobile.

Is my data safe?

Your information will be safely stored and protected according to NIST and SOC-certified best practices. We will never sell your information.

Can I get help if I need it?

You bet. We are available weekdays 9AM - 9PM EST, Saturdays 10AM - 4PM EST, and Sundays 12PM - 6PM EST if you need someone to support you through the process. Our advisors are here to talk via text, email, phone, or Zoom. We’ve got your back.