Tomo Mortgage

Low Rates, No Gotchas

Tomo Mortgage makes buying a home easy, honest, and way less expensive

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Why more people are switching to Tomo Mortgage

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01

Lower rates

About 0.5% less than the industry. A full 1% less than some of the big guys.

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02

No greedy fees

We don’t sneak in thousands in extra fees like other lenders.

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03

No rate-keeping

When you have better rates, you don’t have to hide them behind a sales person.

See rates
01

Lower rates

About 0.5% less than the industry. A full 1% less than some of the big guys.

Learn more
02

No greedy fees

We don’t sneak in thousands in extra fees like other lenders.

Learn more
03

No rate-keeping

When you have better rates, you don’t have to hide them behind a sales person.

See rates
Get started

TrueRate

We want you to get a great rate, even if it’s not with us.

Get your TrueRate

Numbers that speak for themselves

98%
On-time closing (40% industry avg)
$4K
What typical buyers can save at closing
5.0
70+ customer reviews
Zillow logo
2025
Best Online Lender
Bankrate logo
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Adjust your application anytime, day or night.

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“As a first time homebuyer, I really liked how Tomo Mortgage walked me through the process. They were with me every step of the way. Tomo Mortgage was really responsive, had great rates, and closed on time.”
Kate P.

Seattle, WA

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“We loved working with Tomo Mortgage. They offered the best rates and were transparent by laying out the costs. Tomo Mortgage was so responsive—they would call and text after hours or on the weekend. Put it simply, Tomo Mortgage treated us with respect.”
Michelle & Constance B.

Houston, TX

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“Tomo Mortgage’s rates were great and they were also transparent—there were no hidden fees! The people at Tomo Mortgage were competent, professional, and personally engaged.”
Tim J.

Houston, TX

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“Tomo Mortgage made it so much easier than any other lender. Their rates are right there on their website, and that’s just the start. They told us up front what they needed from us, and that was it. There was no long drip of emails requesting more information.”
Casey D.

Seattle, WA

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“I interviewed a lot of lenders and Tomo Mortgage really stood out. They automated a lot of the process, and their speed definitely made a difference in getting my offer accepted. Plus their site is easy to use and actually fun to work in! I would definitely use Tomo Mortgage again.”
Devin H.

Houston, TX

How much house can I afford?

Understand what home price range makes the most sense for your budget and income.

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FAQ

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(737) 510-2523
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The joy of owning a home should never be overshadowed by the hassle of buying one.

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What real customers are saying

J
Jack Hanley and Eddie McDonald
Google
We had an outstanding experience working with Jack Hanley and Eddie McDonald. From start to finish, they were professional, knowledgeable, and extremely responsive. They took the time to explain every step of the mortgage process, which made everything smooth and stress-free. Their attention to detail, honesty, and dedication truly stood out. The process was efficient, well-organized, and completed on time. We felt supported and confident throughout the entire experience. We highly recommend Jack Hanley and Eddie McDonald to anyone looking for reliable, trustworthy, and excellent mortgage professionals. Thank you so much!
S
Shirlyn Holguin
Google
Tomo Mortgage exceeded every expectation. They closed on time and made the entire process seamless and stress-free. Petter, our loan officer, and Paige, our application advisor, were outstanding. Their dedication and responsiveness helped us close in just 15 days - something that felt almost impossible elsewhere. Everything went exceptionally smooth from start to finish. This was hands down the most painless, easy, and efficient mortgage experience we’ve ever had. I would use Tomo Mortgage again in a heartbeat and will absolutely be recommending them to everyone I know.