Tomo Mortgage Reviews 259

No gimmick! Mohamad provided the best and accurate rate quote with absolutely $0 origination costs and there were no hidden fees or inflated 'other' costs. Tanya was super responsive. Will definitely work again with Mohamad and Tanya for future mortgage needs.

Tomo team was great to work with. I explained my loan agent my situation and he helped me navigate the type of loans available. Whole process was smooth and timely with regular email/text updates

They were extremely efficient and courteous. Promptly responded to any type of communication and closed our loan in record time.

Process was simple and well guided. Rates were made obvious from the get go, and beat competition by a mile. Helped to work through an issue with an appraiser and comped a rush order to help us hit closing. 5/5

We had the smoothest closing ever.
I was notified on every step of the process, got a killer rate, and they evaluated my options with points to get a better rate than competitors.

Got a great rate (what actually matters) and had good service. Don't understand all the poor reviews. Was my 3rd mortgage and was the easiest of all my lenders

Tomo representative delayed closing because he claimed a 3 day waiting period that is NOT what the disclosure requirement calls for. He was either lying or making an excuse, or he didn't understand the regulation. Closing disclosure WAS provided 3 days in advance, closing should have been able to proceed. What if our lease was up and we were homeless this weekend. UNACCEPTABLE!

I received a pre-qualification and was assured I was good. It's time to make offers and when I pressed more because I keep being told "it's fine, it's good" but very nonchalant he looked again. He accused me of buying something. No I did not. He didn't see my car payments the first check. It's his job to ask, to look, to know and be certain. So what I was approved for is now unobtainable. So I asked him what I can be approved for with the equity I have and he says "probably $350,000". Probably is not good business. I began working with him over a month ago. This is ridiculous.

I priced out mortgages for multiple homes and Tomo always had the best rate. Not only that, they were exceptional to work with. James was a terrific loan advisor from start to finish!

Friendly, tidy and professional they fitted me in at short notice and fitted my new extractor fan efficiently. I would certainly recommend.

I recently had an excellent experience with Tod Volynets. Ultimately, I needed a nontraditional loan and though Tomo did not provide that type of loan, Tod reached out to explain and give me thoughts about the best type of loan to get and what type of lender provides it. It is difficult to get that level of attention and responsiveness when you are deep in the loan process. I was pleasantly surprised and appreciative for the extra work.

My experience with Tomo Mortgage Service was incredibly frustrating. While the process started with promises of transparency and good communication, things quickly changed once we were locked in.
One of the biggest issues was the lack of communication and transparency, which ultimately cost me an additional $1,000 in lender fees. Due to a delay on the seller’s side, I had to extend the closing date. Without any warning, Tomo extended my rate lock and charged me $1,000 for it. Had this charge been communicated upfront, I could have potentially negotiated with the seller to cover the cost. This lack of clarity made the situation feel unfair, despite Tomo's claims of "no fees."
The overall communication from Aaron, Evelyn, and Sarah was also very poor. I had to constantly chase them for updates, with emails going unanswered for days. There was no sense of urgency or accountability, and the process was filled with unnecessary delays and last-minute surprises. On top of that, I found myself resubmitting the same documents multiple times, which pointed to a lack of attention to detail.
While I can't say whether I would recommend Tomo to others or not, I can share that my experience was far from smooth. If you're considering working with Tomo, I hope my experience helps inform your decision.

Customer service was great. My agent was always quick to respond and made the house buying process simple

This was my third home purchase (first with Tomo) and the Tomo experience was - BY FAR - the BEST experience i had!

From my initial request for more information, all the way through closing, every interaction was pleasant, well informed, knowledgeable, and easy! Not to mention, great mortgage rates in a crazy market!

Even my title company raved how smooth it was to work with the Tomo team and get the deal closed. HIGHLY RECOMMEND!

Having gone through the home buying process before, I was anticipating long hours of collecting documents, tons of hoops, and excessive amount of paperwork to be able to get a approved for a Mortgage. Tomo was by far the most pleasant and seamless experience I've ever had. From my first inquiry up to being cleared to close, Stan, Zac, and Beck were a powerhouse team; proactive, quick to respond at any hour, and super thorough at making sure we had everything we needed along the way all while minimizing the amount of work we needed to do on our end. Highly recommend Tomo to anyone who is going through the home buying process.

The team at TOMO mortgage were responsive and available to answer all my questions during my recent home purchase. Their rates were excellent and the customer service was outstanding! I would recommend TOMO in a heartbeat!

My experience with Tomo was exceptional. This was my first time purchasing a home, and Stan, Omar, & team helped me with every step of the process. They spent the time to explain things that were confusing, and answered all of my texts and phone calls promptly. They were also very transparent with the payment structure, which I appreciated as a first time buyer. Also, even though I gave them a quick deadline, they were able to finish the entire process with ease. I would recommend any and all individuals to use Tomo as their lender! Ask for Stan, he’s great!

Working with Tomo was truly a professional experience. They were able to provide me with the best rate on my mortgage in comparison to other lenders. In addition, their staff were attentive and quick to answer questions I had regarding the different phases of the process (shout out to Stan!). Tomo met all the timeline checkpoints and were able to close on time (actually ahead of time).

Tomo was very personable and quick to respond to our questions and needs. They closed our house in record time! I would highly recommend Tomo.

Customer friendly, prompt response.