Tips, trends and insights for homebuyers like you.
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Best Mortgage Lenders in Georgia—Backed by Data
How we picked Data-driven picks for Georgia buyers Buying a home in Georgia? Whether you’re exploring affordable suburbs outside Atlanta, competing in fast-growing metro areas like Savannah or Macon, or seeking a lakeside retreat near Lake Lanier or Lake Oconee, the mortgage process can be anything but straightforward. Choosing the right lender could make all… Read more
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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’s better—a fixed rate or adjustable-rate mortgage (also known as an ARM)?
A fixed rate mortgage locks in your interest rate for the entire loan term, so your interest rate stays the same no matter what happens in… Read more
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LendingTree vs. Rocket Mortgage – what’s the difference?
Lending Tree & Rocket Mortgage: the basics LendingTree: The Marketplace Aggregator LendingTree is an online marketplace that connects borrowers with multiple lenders. Unlike Rocket Mortgage, LendingTree… Read more
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What are seller credits?
Seller credits are essentially a way for the seller to help you with some of the closing costs or other expenses related to buying a home. … Read more
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What is a mortgage Loan Officer?
A mortgage Loan Officer, also known as a Loan Advisor here at Tomo Mortgage, is the person you’ll likely work with the most when you’re looking… Read more
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What’s an Application Advisor?
After you win the offer on a new home, your Loan Advisor will introduce you to your Application Advisor (sometimes called a Loan Processor). It’s their… Read more
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Who does what in a mortgage company? Understanding your lending team
When you’re diving into the mortgage world, it’s easy to get mixed up between different roles. There’s a great big group of people who work both… Read more
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Trump vs. Harris: Who has a better plan for homebuyers?
Over the past 5 years, home prices have surged by over 50%. It’s no surprise that presidential candidates, Kamala Harris and Donald Trump, are eager to… Read more
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Decoding the LTV in home loans
The loan-to-value (LTV) ratio is a key figure that lenders use to gauge the risk of your mortgage. It shows how much of your property’s value… Read more
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What’s a par rate—and does it really matter?
Mortgage lenders have different “point-values” associated with their interest rates, where there’s different costs associated. If you pay the lender more upfront for a lower interest… Read more
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What is a mortgage and why is it important?
A mortgage is your ticket to owning a home without having the full cash upfront. It’s a loan that lets you buy property using borrowed money.… Read more
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How to buy a home with less cash—the hidden world of lender credits
Lots of folks obsess about finding the lowest possible interest rate. And, we don’t disagree that finding the lowest rate is super important—it’s why our rates… Read more
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How is the loan amount I am approved for calculated?
There’s a lot of mortgage calculators out there—these aren’t honestly all that valuable if you really want to know how much house you can afford. We… Read more