Tomo Mortgage Reviews 

I was mortgage shopping, found them on Nerdwallet. The first phone call the person started to leave a message before the recording started, so the message made no sense, did not leave a name nor a phone number that I could understand.

Hours later second call, no name left, different voice, so different person. Again no phone number that could be understood. Mumbled the name "Tomo", sounded like "momo".

I redialed the number, got a recording, press x for, etc., so I hung up.

A few minutes later a third person called back, said they missed my call (first two were male this was a female). I said I was calling to let them know I was no longer interested. Instead of saying thank you and ending the call, she says, "I thought you were mortgage shopping"? I said I am, and "I am going to be less tactful you should have left it at I'm no longer interested". The I described the phone messages and said if your people cannot do a simple task of leaving a coherent phone message, I can't trust you to handle a mortgage. She apologized and said "if anything changes", to which I said "no nothing you can do would trust me to have you handle a mortgage".

Here’s a concise, polished version perfect for Google:

⭐️⭐️⭐️⭐️⭐️
Great Experience with TOMO Mortgage

TOMO Mortgage made the home-buying process smooth and stress-free. Communication was clear, timelines were met, and everything was handled efficiently from start to finish. Their technology made the process easy, and the team was always responsive and professional. I’d highly recommend TOMO to anyone looking for a straightforward, modern mortgage experience.

Working with Tomo was a pleasure from start to finish - shoutout to our Loan Advisor, Forozan and our Application Advisor, Eddie!

Their professionalism is unmatched, and they maintained a high standard of quality and integrity throughout the entire process.

They were exceptional at communicating, sharing the status of our loan and keeping us informed every step of the way.

They were incredibly responsive, addressing our questions and concerns almost immediately.

We were particularly impressed by their timeliness and dedication to meeting our schedule; they worked diligently to ensure all timelines and deadlines were met, including critical contingency deadlines.

Beyond their efficiency, they truly lived up to the promise of low rates, delivering some of the most competitive pricing we found.

Tomo truly made the mortgage loan experience as simple and stress-free as possible. If you are looking for a reliable partner who delivers on their promises even under tight constraints, I highly recommend Tomo.

Smooth experience from start to finish. Mohamad & Michael were great. Easy reachable (at all hours, LOL), professional, detail oriented, friendly and enthusiastic. I got a great rate, avoided fees, and the user experience with Tomo's technology was intuitive and straightforward.

Tomo is easy to download and provide access to information by me directly, allowing me to get accurate information in regards to my credit history in my score my debts owed payments made, etc.

Easy to work with, best rates and fees compared to anyone else. Totally use Tomo!

Tomo made the mortgage process quick and easy. The team was responsive, clear, and great to work with. Highly recommend!

I was purchasing and investment property on a tight timeline. The seller didn't think we could close on time, given the parameters of the deal, but Tomo was able to get it done even before the sellers were ready. Top notch experience and communication

Irena and Tanya were great! They were super responsive throughout the process and we got the lowest rate.

We were assured that a potential property concern wouldn’t be an issue with Tomo underwriting, so we went ahead with the application (and paid the inspection fee) only to be denied two weeks into closing for the very issue we discussed—leaving us scrambling to find a new lender and out almost $600.

Super easy process with a personal approach from Sean Bostwick to get me the best rates but also great advice/education on what mattered to adjust my finances (downpayment percentage etc) to get me the best rate. Thanks for everything Sean! Great experience and love the Tomo model.

The entire team was a wonderful experience and they made the process easy to understand, especially as a first time home buyer. I would definitely recommend Tomo to anyone who is looking for a lender.

I found Tomo Mortgage when reviewing companies through NerdWallet.com and I was very happy with the experience and the mortgage rate received as it was better than the bank's I have used for years. Aaron Shaw was my loan advisor, and he was very available and professional throughout the entire process. I would absolutely use Tomo again in the future and would like to send a thank you to the entire team!

I can honestly say that it was a pleasure working with the people at Tomo, couple bumps in the road with the appraisal and communication but I don’t take that away from anyone because I already expected the worse but things turned out fine and we were able to close quickly and at a good time for me and I am very appreciative, I highly recommend Tomo if you’re contemplating. 5⭐️⭐️⭐️⭐️⭐️

My experience with Tomo Mortgage was extremely frustrating and unprofessional from start to finish, and I would strongly caution anyone considering using them for a home loan.

To begin with, communication was almost nonexistent. The team was consistently unresponsive, forcing me to chase them for basic updates and answers that should have been provided proactively. Their lack of responsiveness became a major source of stress during a process that is already time-sensitive and detail-heavy.

Worse yet, just one day before closing, Tomo attempted to change the loan terms, despite the fact that my interest rate had already been locked in writing. This is not only unprofessional—it’s a violation of trust and standard mortgage procedure. A last-minute change like this could have jeopardized the entire transaction, and it showed a complete disregard for transparency and integrity.

Because of their mishandling, the closing was delayed by a full week, which caused a ripple effect of inconvenience, added expenses, and unnecessary stress for everyone involved—buyers, sellers, attorneys, and agents. This delay was entirely preventable and was the direct result of Tomo’s lack of diligence and attention to detail.

Overall, Tomo proved to be not diligent, not reliable, and not customer-focused. Buying a home is too important to risk with a lender who doesn’t honor agreed-upon terms, doesn’t communicate, and doesn’t take ownership of their mistakes.

I would not recommend Tomo Mortgage to anyone looking for a smooth, professional, and trustworthy lending experience.

It was a roller coaster ride kind of experience with my first time home buying and I appreciate Tomo for all the assistance they provided us through the journey.

PJ Nemish and Paige Fields were great and helped me find the right interest rate, and were prompt and efficient in closing the deal on time. However, just one suggestion to make the underwriting process a little more smoother.

I would definitely recommend Tomo.

Jeff Kriebel made my experience with TOMO 5 star. He is a very knowledgeable agent who walked me through the process and guided me till the very last step.

I was skeptical of working with an online provider but my experience gave me a confidence to trust TOMO.

Highly recommend working with Jeff if possible.

Conor, Eddie and team made the process incredibly seamless. It was our first time going through the mortgage loan process and Conor patiently answered all of our questions and genuinely seemed interested in getting us the best rate possible! Would definitely consider working with Tomo again in future.

Working with Michael Welsh was very good. He stays in contact with you and helps you with the borrowing process.

Tomo is legit and the real deal. My experience was flawless and I worked with John and he was a god send. From the first person I spoke to that transferred me over to my loan officer (John) it was a very pleasant experience all the way through. Anyone that needs help with a loan to purchase a home need to reach out to Tomo asap.