Tips, trends and insights for homebuyers like you.
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Can I Get a Mortgage If I Just Started a New Job?
Key Takeaways Often, yes: starting a new job doesn’t by itself rule out a mortgage. Fannie Mae’s guidelines ask whether your most recent two years show a reliable pattern of work, not how long you’ve been with your current employer. What usually decides your timing is the kind of change you made, how you’re paid,… 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 2025. Read more
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Can You Get Pre-Approved for a Mortgage Completely Online?
Full digital preapproval is available online from lenders including Tomo Mortgage. A preapproval typically involves a lender reviewing your credit and financial information to estimate how… Read more
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Who Qualifies for a VA Loan? Eligibility Requirements Explained
You qualify for a VA loan if you meet one of the VA’s service requirements: 90 consecutive days of active duty during wartime, 181 days during… Read more
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Online Lender vs. Traditional Bank: Mortgage Rate and Fee Comparison
Online mortgage lenders typically offer lower rates and fees than traditional banks, because they operate without a branch network and pass the lower overhead cost per… Read more
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What to Look for in a VA Mortgage Lender
Look for eight things when choosing a VA mortgage loan lender: VA-approved status, Certificate of Eligibility (COE) assistance, Section A lender fees, interest rate relative to… Read more
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What Determines Your VA Loan Rate?
Five factors determine your VA loan rate: credit score, loan amount, debt-to-income (DTI) ratio, loan term, and discount points, on top of a structural advantage built… Read more
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Online Mortgage Close Time: How Fast Can You Actually Close?
The industry average mortgage close time was just under 37 days for purchase loans in March 2026 vs 42 days for all of 2025, according to… Read more
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VA Loan vs. Conventional Loan: Cost Comparison
A VA loan is typically cheaper than a conventional loan for eligible borrowers who plan to stay in the home longer than about four years, mainly… Read more
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How to Apply for a Mortgage Online: Step-by-Step
Applying for a conventional, FHA, VA, or jumbo mortgage completely online takes only eight steps: check your credit, get pre-approved, review your Loan Estimate, house-hunt with… Read more
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How to Get a VA Loan: Step-by-Step Guide
Getting a VA loan takes eight steps: confirm eligibility, obtain your Certificate of Eligibility (COE), choose a VA-approved lender, get pre-approved, find a home that meets… Read more
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What Documents Do I Need to Get a Mortgage Online?
A mortgage application, online or in person, requires four categories of documents: income, assets, identity, and property. Income documents prove what you earn, asset documents prove… Read more
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Is It Safe to Get a Mortgage Completely Online?
Yes, getting a mortgage online is safe when the lender is licensed through the Nationwide Multistate Licensing System (NMLS) and registered in your state. Licensing means… Read more
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What Credit Score Do I Need for a VA Loan?
The Department of Veterans Affairs sets no minimum credit score for a VA loan. That requirement comes from individual lenders. Lenders add their own credit score… Read more