Tips, trends and insights for homebuyers like you.
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Homebuyer Stress in America: 2025
Today’s mortgage rates aren’t extreme, but they feel that way to homebuyers, prolonging searches and increasing stress. The real cost of homeownership has been growing significantly in recent years.1 In 2000, a typical homebuyer spent 20% of their income on a mortgage. Today, roughly 38% of a buyer’s income goes toward housing. Every day, we… 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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What is mortgage underwriting?
The mortgage business ultimately comes down to underwriting, which is the process of assessing risks around the mortgage and likelihood of repayment. Let’s clear the air:… Read more
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What is the best time of year to sell a house?
If you’re looking to sell your house, summer is typically the prime time. With better weather and families having more time to move, it’s a key… Read more
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What are the steps to buying a house?
Buying a new home can be complex! For most lenders, from the time you find a new home to the time you actually purchase the home… Read more
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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
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?
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
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
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
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
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
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
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