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VA vs. conventional loans: which is better?
If you’re eligible for a VA loan, the zero down payment and no PMI combination is hard to beat,… Read more
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Who Qualifies for a VA Loan? Eligibility Requirements Explained
A VA loan is a mortgage loan backed by the U.S. Department of Veterans Affairs (VA). Its primary purpose… Read more
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What does “primary residence” mean when getting a mortgage?
A mortgage for a primary residence is the loan you get for the place you actually call home, not… Read more
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What is debt-to-income ratio (DTI) in a mortgage?
DTI measures how much of your income goes toward debt payments. Lenders use this ratio to assess your financial… Read more
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What is a mortgage origination fee?
If you are in the process of shopping around for a lender, or just curious about the home buying… Read more
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How to calculate your monthly mortgage payment like a pro
So, you’re ready to dive into the world of homeownership—congrats! Before you start picturing that dream kitchen, though, it’s… Read more
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Tomo Leadership Team
Tomo Mortgage is guided by an experienced team of leaders who have built and scaled some of the world’s… Read more
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Facts About Saving vs. Spending in America
Buying a home isn’t just about finding the right place—it’s about feeling ready financially. And that’s not easy right… Read more
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3 Expenses People Forget When They Buy a House
When you’re budgeting for a home, it’s easy to focus on the down payment and monthly mortgage–ensuring you get… Read more
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How to Set Savings Goals
Saving for a down payment feels impossible until you put real numbers to it. The truth is, it’s just… Read more
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Easy Ways to Save Money Today
If your housing costs feel like they’re eating half your paycheck, you don’t have to wait until next month’s… Read more
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Steps to Building an Emergency Fund
Buying a home is exciting—but if you’re still shopping, it’s also one of the biggest financial transitions you’ll ever… Read more
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4 Things to Do Before Buying a Home
Buying a home isn’t just about scrolling listings. If you want the process to feel smoother—and avoid surprises—there are… Read more
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10 Ways to Make Extra Money
If you’re saving for a down payment—or trying to make a little extra to cover a mortgage payment—picking up… Read more
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How the biggest lenders quietly drove up mortgage fees and why it matters for homebuyers
Mortgage fees have climbed in recent years—but not evenly. New data from Tomo TrueRate shows that the largest mortgage… Read more
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10 Summer Activities to Save Money
Buying a home isn’t cheap—and neither is owning one. Summer is the perfect time to trim costs in ways… Read more
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How Homebuyers Can Use Their 401k
For many buyers, the hardest part of buying a home is saving up the down payment. If most of… 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… 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… 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… Read more