Tomo Mortgage Reviews 

It was a miserable experience that was extremely stressful. I will NEVER work with Tomo again. The tiny savings in percentage points was NOT worth the risk of not closing on time.

We had pre-approval from Tomo underwriting weeks before closing. Tomo then decided to wait until the morning before closing to send it back to underwriting for final review.

Received the lowest rate and they figured out a way to fix a problem that we were having preventing us from closing when needed. Also, will refinance for free if there is even a better rate in 6 months or later .

I had an excellent experience with Tomo! They offered the lowest mortgage rate I could find, and their team provided outstanding support from start to finish. The entire process was smooth, transparent, and much faster than I expected. Every question I had was answered clearly, and I always felt like I was in good hands.

Overall I had a very pleasant experience with Tomo. Aaron Shaw was very knowledgable and helpful throughout the entire process. Hard to beat their rates. I’m a satisfied customer.

I was in the 2% whose loans didn't close on time. It was very frustrating. I received conditional approval August 29. Despite putting down more than 20% and having median credit scores above 800, we didn't close until September 17 at 9:30 p.m.
When I did more research, an email showed that the mortgage was being processed by a third party, and that Tomo had to bring it back in house to complete it within the already delayed time frame. After all that, the mortgage was sold before the first payment was even due! I'm still getting junk mail from marketers about my Tomo mortgage, even though the mortgage was sold. Pricing was good, service was not so great.

We got an excellent rate on our loan. The process was pretty smooth. There was a little drama at the very end of the process but we made closing on time.

Great experience. Lowest rates I could find. Would definitely recommend

Im very pleased with Tomo and saved thousands in closing costs. Conor helped me through it all with of his expertise and Paige helped keep me on track with the paperwork necessary. They were a pleasure to work with. Highly recommend them and the Tomo team.

As a first time home buyer, my experience with Tomo was great. Worked with Irena and Ashley. Process was smooth, rates were the best among 5 other different mortgage companies. Had a lot of questions as a first time buyer which they helped with. Closed on time and funded very quickly on the closing day. Would definitely recommend.

Tomo was fast, very transparent and got us a great rate.

We got the lowest rate we could find. We were particularly happy in the way the loan officer handled all our questions. The experience with closing could have been better as our questions experienced a lot of latency in answers during important last few days in closing. But overall everything was done on time and we are glad we worked with Tomo.

Everyone at Tomo was very responsive and the whole process was overall smooth. My only critique is that a couple of times they asked for the same document or question several times.

Quick responses. Easy to upload documents.

When my agent and the listing agent heard I was going to use an online lender, they had significant doubts about my decision and worried that Tomo would not be able to meet the closing schedule as quickly as a local lender. PJ from the TOMO team's efforts earned the credit they deserved by providing not only the best rate but also working closely with the agents and title company for on-time closing. I'm glad I made the right decision and I appreciate Tomo's assistance during the process.

Everything was easy to upload and clear through the whole process. I tried looking at other companies, but they were not as transparent.

Extremely transparent process and my team was very responsive usually responding to my questions within minutes. This was my fourth time purchasing a house and my first time with Tomo and I’m very happy I chose them. We got a better rate with Tomo than any other company we looked at. They also have a very user and mobile friendly website to upload documents and track the status of the process. Thanks for helping us buy our next home!!

Super quick response on initial application. Easy to work with and lower rates.Another company who we had a mortgage with before gave us higher quotes. Great transaction /great company. Would use again, highly recommended!!

John and his entire team were nothing less than exceptional from the initial conversation to closing. He quickly processed my application, reviewed available options, and sent multiple loan estimates based on the scenarios we discussed. This is my 4th home loan and I have never experienced such a fast and smooth process with a dedicated team to help you at every turn. Their prices beat every other lender unless a price match was given to earn business, proving that their best deal was really the best deal. David, our loan processor, lead us through the underwriting process until we were clear to close. His courteous and positive demeanor even when we were having issues with the contract and settlement company provided a breath of fresh air when stress levels were higher. I can't say enough great things about the people here and their dedication to me and my family as we navigated our loan to close on our new home.

Best rates since day one among several different lenders I did shop for. No hidden fees and all agents offered prompt response and patience to explain every number from the Pre-Approval and all the way up to the Final Closing Numbers. John Khoury and Tanya Nelson guided me through the whole process making the experience good for me as a FirstTime Homebuyer.

Working with Tomo was easy: the rates were the best, the questions were answered when necessary, and the whole process was very convenient.
The only reason why there are 4 stars is that there was a mistake in the closing cost amount (~10% more) that was communicated 2 days prior to closing made me scramble for that additional amount.