Tomo Mortgage Reviews 259

Tomo was the best rate I could find. My real estate agent warned against using an online lender but the process was smooth start to finish. Great communication and closed on time.

HORRIBLE experience dealing with Tomo. From the beginning of the loan application process, Jack assured me Tomo could finance me with a better rate than the first lender I applied with do I proceeded, as I obviosly wanted the best rate possible. Jack got rude and dismissive when I kept following up because my closing date was approaching and they were moving too slow. So I asked for a supervisor and got Aaron. He was even worse, accusing me of being unethical because I was applying with mortgages with 2 companies! Finally, I got to his supervisor Jacob, who apologized and assured me they would get their sh*t together and then I never heard from him again!! They strung me along throughout the process, moving VERY slowly, telling me I was pre-apporoved, conditionally approved, approved, and finally cleared to close. Then 3 days before my closing they tell us that we are no longer cleared to close, then drug their feet before changing the terms of my loan (telling me I needed $30k more to close), then asking for more documents the evening before my closing!!! Thank God I had an alternative mortgage company ready, because Tomo would have cost me my home and my $10k earnest money 😡 To make matters worse, they were rude and unprofessional on several occasions throughout the process. I would NOT recommend gambling your chances of financing with this company. Now in hindsight, I see many other people have had almost the same exact experienceas me. Tomo's promised lower rates are bait and switch....its not worth gambling with them and risking losing your house and money!

I can't say enough great things about my experience with Tomo. They were helpful, answered all my questions, quick and efficient. James and Jasmine were a great team. I'd absolutely recommend TOMO for your mortgage needs.

I recently completed my mortgage with Tomo and couldn't be more impressed. This is genuinely how the mortgage process should work.

Unbeatable Rates
The rates were exceptional - easily at least 1% cheaper than the nearest competition. When the title companies saw the numbers, they were visibly shocked. In today's market, that kind of savings is absolutely game-changing.

Smart AI Support
Tomo's AI handles all the mundane, repetitive tasks brilliantly. The automated support worked seamlessly for standard processes, making document submission and status updates effortless. There's definitely room for improvement on edge cases, but for 90% of the journey, the AI was spot-on and saved me countless hours.

Human Touch When It Matters
Here's where Tomo really shines: when the AI encountered something it couldn't handle, real humans stepped in immediately. The "human in the loop" approach works perfectly. The team was genuinely customer obsessed and reachable at all hours - nights, weekends, whenever I needed them. They were responsive, knowledgeable, and clearly cared about getting things right.

Effortlessly Easy
Bottom line: everything was just easy. No bureaucratic nightmares, no endless phone trees, no frustrating delays. Tomo has figured out how to blend cutting-edge AI with exceptional human service to create an experience that actually respects your time.

Highly recommended for anyone looking for a modern, efficient, and genuinely customer-focused mortgage experience.

Had a great experience with Tomo. First of all they were the most competitive rate I recieved without needing to haggle and play chess with the Loan officer. The fees were outstanding also. Overall nobody touched them on pricing. Once we decided to go with Tomo, their online process was clean and efficient. Jack Hanley and Paige Fields were great to work with. Highly recommend Tomo and will no doubt be using them again in the future.

Easy to work with, quick responses, great communication.

Got the best rate and my team was great! Had a little bump as was ready to close but all was worked out and I was made whole for the delay. Communication was great as was always available even on weekends!

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!