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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Why the Fed doesn’t actually change your mortgage rates
Reading this title, you might be thinking, “What? The Fed doesn’t change my rates? Yeah, right!” And that’s totally fair—it’s hard to ignore the constant buzz… Read more
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Will mortgage interest rates go down?
Here’s the scoop: Interest rates are always on the move, which can make it tricky to figure out the right time to lock in a mortgage… Read more
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What is a physician mortgage loan?
A physician mortgage loan is a type of mortgage intended for doctors and similar high-income medical professionals. It is designed to accommodate their financial circumstances, often… Read more
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HOAs: the good the bad the ugly
If you’re eyeing a neighborhood with well-manicured lawns and pristine amenities, chances are it’s run by an HOA — homeowners association. Basically, it’s a group of… Read more
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What exactly is a remote closer in mortgage?
A remote closer (sometimes known as a mobile notary) handles the final steps of closing a mortgage deal, but they do it all virtually. They make… Read more
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Will the housing market crash? Here’s what you need to know
Let’s be real—there’s a lot of fear-mongering in the media about a housing crash. You’ve probably seen headlines like “Is the Housing Market About to Crash?”… Read more
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The savings guide: how much to save for your first home
Saving for your first home can feel like a daunting task. With rising prices and the many costs associated with homeownership, it’s easy to get overwhelmed… Read more
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What is a second mortgage?
A second mortgage is basically another loan against your home after you’ve already taken out your first mortgage. It lets you tap into the equity you’ve… Read more
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Moving day: mastering the chaos
How do I handle the actual move like a pro? Confirm your movers’ ETA, and make sure everything’s boxed up, labeled, and ready to roll. Keep… Read more
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What should I tackle before moving into my new home?
Here’s your pre-move game plan Pre-move Pre-closing Post-move If you’re ready to start your journey to homeownership, get pre approved with Tomo Mortgage today. Read more
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What does a “primary residence” mean when getting a mortgage?
A primary residential mortgage is the loan you get for the place you actually call home—your main residence. It’s not for an investment property or a… Read more
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What is a home appraisal and how much does it really cost?
So you’re about to buy a house and you’ve heard about this thing called an appraisal. What’s it all about, and how much is this going… Read more