Is Tomo Mortgage the right fit for you?
Last Updated: 08/11/2026
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Highlights
Community Rating
Strongly recommended
Credit Score Range
Starting at 580
Amount Range
$50,000 - $3,000,000
No Origination Fee
Loan Term (Years)
10 - 30
Number of Reviews
Tomo Mortgage Review
Tomo Mortgage is offered by Tomo Mortgage, LLC (NMLS #2059741), a nonbank financial services provider founded in 2020 and based in New York, NY. Tomo Mortgage are available in 40 states and Washington, DC.
Key Takeaways
- Wide selection of mortgage programs offered. Tomo Mortgage offers FHA, VA, jumbo, conforming, and conventional mortgages.
- Financing for single-family and multi-family properties. However, Tomo Mortgage, LLC does not offer financing for manufactured homes.
- Refinancing for large mortgages. You can refinance mortgages with balances of up to $3,000,000 with Tomo Mortgage.
- Standard interest rates types. Tomo Mortgage offers adjustable-rate mortgages and fixed-rate mortgages.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- No origination fees. Tomo Mortgage does not charge fees for processing your application.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Tomo Mortgage.
- Fair credit accepted. Borrowers with a credit score as low as 580 may qualify for Tomo Mortgage.
Tomo Mortgage Pros & Cons
| Pros | Cons |
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Tomo Mortgage FAQ
How much can you borrow via Tomo Mortgage, LLC?
Tomo Mortgage allows borrowers to apply for loan amounts of up to $3,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What is the maximum loan term you can get with Tomo Mortgage?
Tomo Mortgage offers mortgages with terms ranging from 10 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does Tomo Mortgage, LLC offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
No, Tomo Mortgage does not charge a mortgage origination fee.
Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does Tomo Mortgage charge prepayment fees?
No, Tomo Mortgage does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.
What mortgage programs are available?
Besides conventional mortgages, Tomo Mortgage offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- Jumbo loans: Any mortgage with a loan amount above the conforming loan limits set by the Federal Housing Finance Agency.
- VA loans: A zero down payment mortgage or a refinance of up to 100% of the home's value for American military members, veterans, and their spouses. VA loans offer competitive mortgage rates, and don't have a minimum credit score. However, the mortgage lenders that offer them will typically require a credit score of at least 640.
What property usage types does Tomo Mortgage allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Tomo Mortgage allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for Tomo Mortgage is (737) 510-2523.
What is the support contact email?
The support contact email for is hello@tomomortgage.com.
How do people rate the customer service and user experience?
Overall, this business is strongly recommended based on community reviews that rate customer service and user experience.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Tomo Mortgage
Hours of Operation
Sunday9:00AM - 6:00PMMonday8:00AM - 9:00PMTuesday8:00AM - 9:00PMWednesday8:00AM - 9:00PMThursday8:00AM - 9:00PMFriday8:00AM - 9:00PMSaturday9:00AM - 6:00PM
Other Services by Tomo Mortgage, LLC
Mortgage Refinance
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
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No one recommends
Everyone recommends
Tomo Mortgage Community Reviews
Would you recommend Tomo Mortgage to your friends?
ME
Mary E.
Aug 6, 2026
May or may not recommend
I had a great experience with Tomo Mortgage. The entire team was professional, responsive, and made the mortgage process smooth from start to finish. They kept me informed every step of the way, answered my questions promptly, and ensured everything stayed on schedule.
I truly appreciated their excellent customer service and would highly recommend Tomo Mortgage to anyone looking for a reliable and efficient lender.
MT
Michael T.
Aug 5, 2026
May or may not recommend
We had a really great experience with TOMO Mortgage from beginning to end. Buying a home can be stressful, but TOMO made the mortgage process much easier than we expected.
Communication was probably the biggest thing that stood out to us. They were always responsive, explained things clearly, stayed on top of deadlines, and were proactive about letting us know what was needed next. Whenever something changed, they were able to ...Show More
CB
Chris B.
Aug 4, 2026
May or may not recommend
Absolutely the best customer service from the initial preapproval through closing. No games, no promising a rate then surprising you with 10k in points to keep that rate(no thanks, Rocket), and no nonsense.
I would recommend ToMo 10x over any other online competitor. Stop searching and go with ToMo now.
SB
Steven B.
Jul 31, 2026
May or may not recommend
Donatello was the best part of the experience with Tomo. I needed a no closing cost loan with Low rate for my investment properties and he delivered even with some complications related to appraisal and required paperwork. What matters is he delivered on what I expected.
DA
Diana A.
Jul 31, 2026
May or may not recommend
Chad was an absolute pleasure to work with. He took his time to explain the process to explain anything I had questions with and he did it with patience and kindness and that’s truly a one-of-a-kind experience for us.
He not only earned our business, but he will forever have me as a strong recommender of TOMO two friends and family because of his amazing service.
He made our home by ...Show More
TR
Thilak R.
Jul 27, 2026
May or may not recommend
Shopped around extensively for my first home purchase (primary residence) in the US, and Tomo offered the most aggressive rate- no other lender came close. Shane guided me through the entire process and made it smooth and stress-free from start to finish. As a first-timer, I expected a lot more friction, but Tomo made the experience genuinely easy. Couldn't have asked for a better experience-Tomo exceeded my expectations!
Showing 6 of 6 reviews
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