Tips, trends and insights for homebuyers like you.
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Buying a House With Student Loan Debt: What Lenders Actually Count
Key takeaways Mortgage lenders don’t always count what you actually pay on your student loans. They count a qualifying payment, set by your loan program and by whether your credit report shows a real payment, a $0 payment, or deferment. That number decides how much of your income is left for a mortgage. It also… 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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How to Save for College
For many families, the toughest financial question isn’t just “can I afford a home?” — it’s “should I buy a home now, or put more toward… Read more
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Loan officers share the tricks that get you to overpay
The mortgage industry has gotten very good at ripping people off. Between excessive fees and inflated interest rates, the average homebuyer overpays by $3,500 at closing.… Read more
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What Homebuyers Need to Know About Credit Cards
Credit cards and mortgages might seem like two separate parts of your financial life—but when you’re getting ready to buy a home, they’re closely connected. How… Read more
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Understanding Homeowners Insurance
Buying a home? Great milestone. But safeguarding that investment matters just as much as closing the deal. Here’s a practical guide to what homeowners insurance actually… Read more
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2025 Mortgage Review: First American Bank
First American Bank Overview Who is First American Bank? First American Bank is a privately held, full-service community bank serving consumers and businesses with a broad… Read more
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Tomo Mortgage Launches TrueRate – A Free AI-based Tool to Help Homebuyers Avoid Being ‘Ripped Off’ by Mortgage Lenders
Tomo Mortgage aims to hold the mortgage industry accountable for inflated rates, hidden fees and misleading pricing that will cost U.S. homebuyers $11 billion in 2025… Read more
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2025 Mortgage Review: Affinity Federal Credit Union
Affinity Federal Credit Union is a member-owned, nonprofit financial institution headquartered in Basking Ridge, New Jersey. Founded in 1935, Affinity is the largest credit union headquartered… Read more
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2025 Mortgage Review: Equity Bank
Equity Bank is a community-focused, full-service bank and direct mortgage lender headquartered in Wichita, Kansas. Founded in 2002, Equity Bank has grown to operate more than… Read more
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2025 Mortgage Review: Indiana Members Credit Union
Indiana Members Credit Union (IMCU) is a member-owned, not-for-profit financial cooperative and direct mortgage lender headquartered in Indianapolis, Indiana. Founded in 1956 as the Indiana University… Read more
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2025 Mortgage Review: INTRUST Bank
INTRUST Bank is a privately held, community-focused, full-service bank and direct mortgage lender headquartered in Wichita, Kansas. Founded in 1876, it is one of the oldest… Read more
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2025 Mortgage Review: Union Square Credit Union
Union Square Credit Union, founded in 1957 and headquartered in Wichita Falls, Texas, is the largest credit union in the Texoma region. Serving over 36,000 members… Read more
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AI is making it harder to hire humans
Overseeing the hiring process for technical roles at Tomo, I’ve seen a dramatic and disturbing rise in job applicants who are—frankly—fake. Some even make it to… Read more