Tips, trends and insights for homebuyers like you.
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![How FHFA Could Lower Mortgage Rates in 2025: A Look at GSE MBS Purchases]()
How FHFA Could Lower Mortgage Rates in 2025: A Look at GSE MBS Purchases
Background A scenario we are prepping for at Tomo is the event of Fannie Mae and Freddie Mac (the GSEs) stepping into the market to buy Mortgage Backed Securities, causing a sudden drop in mortgage rates this year, in 2025. Such a move could result in a drop in mortgage rates by as much as… Read more
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![2025 mortgage interest rate forecast]()
2025 mortgage interest rate forecast
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for 2024. Read more
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![What % should I put down for my down payment?]()
What % should I put down for my down payment?
What is a down payment? A down payment on a house is the upfront cash you put down when you buy a home. It reduces the… Read more
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![APR vs. Interest Rates in a mortgage]( "APR vs. Interest Rates in a mortgage")
APR vs. Interest Rates in a mortgage
While interest rates dominate the news, we would argue understanding APR (Annual Percentage Rate) can be a larger factor when evaluating the total cost of your… Read more
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![FHA Loans vs Conventional Loans: Which is better for a first time home buyer?]()
FHA Loans vs Conventional Loans: Which is better for a first time home buyer?
Choosing the type of loan that makes the most financial sense for you can be daunting for first time homebuyers and repeat purchasers alike. There’s some… Read more
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![Three years of Tomo: what we’ve learned]( "Three years of Tomo: what we’ve learned")
Three years of Tomo: what we’ve learned
On June 30th, 2021, Tomo Mortgage opened for business. We knew that the mortgage industry was broken, and from day one we set out to fix… Read more
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![On the Market: Waterfront Homes in Florida]()
On the Market: Waterfront Homes in Florida
There are so many places to own a waterfront home in Florida, the choices can be overwhelming. We help narrow it down… Read more
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![On the Market: Waterfront Homes in California]()
On the Market: Waterfront Homes in California
Huntington Beach, Mission Viejo, Newport Beach and San Clemente are the four waterfront towns we highlight in California. Read more
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![On the Market: Waterfront Homes in New York]()
On the Market: Waterfront Homes in New York
We have created a short-list of waterfront homes for sale in New York State and included some tips for buying on the water. Read more
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![Best Neighborhoods in Santa Clara County]()
Best Neighborhoods in Santa Clara County
Purchasing a home in the tech capital of the world can be pricey and overwhelming. We help narrow it down with our list of the 12… Read more
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![Luxury Living in Arizona]()
Luxury Living in Arizona
Flagstaff, Mesa, Peoria, Phoenix and Scottsdale are just a few of the cities in Arizona that we include on our luxury living list. Read more
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![Luxury Living in California]()
Luxury Living in California
Tomo can help you find your dream home with our list of luxury homes in California. Check it out… Read more
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![Luxury Living in Colorado]()
Luxury Living in Colorado
Discover luxury listings for sale to find the dream home that fits your lifestyle. Read more
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![On the Market: Waterfront Homes in North Carolina]()
On the Market: Waterfront Homes in North Carolina
Explore waterfront living with the many options available in North Carolina. Read more
