Tips, trends and insights for homebuyers like you.
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Is E-Closing Legal in My State?
E-closing your conventional, FHA, VA, or jumbo loan with a remote online notarization (RON) is legal in most states as of 2026. In states without a RON law in effect, hybrid e-closing is still generally available: most documents are signed digitally, and a small subset requires a traditional wet ink signature in person. California is… 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 I Use a VA Loan More Than Once?
VA home loan benefits can be used multiple times throughout a lifetime, with no hard cap on the number of uses. The most common path is… Read more
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Can You Get Pre-Approved for a Mortgage Completely Online?
Full digital pre-approval is available in minutes at online lenders including Tomo Mortgage. It is a real underwriting decision based on verified income, assets, and credit,… 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