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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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
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2025 Mortgage Review: Elements Financial Federal CU
Elements Financial Federal Credit Union is a member-owned, not-for-profit financial cooperative and direct mortgage lender headquartered in Indianapolis, Indiana. With more than 100,000 members and over… Read more
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2025 Mortgage Review: LCNB National Bank
LCNB National Bank is a locally owned, full-service community bank and direct mortgage lender headquartered in Lebanon, Ohio. Founded in 1877 as The Lebanon Citizens National… Read more
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2025 Mortgage Review: First National Bank of Fort Smith
First National Bank of Fort Smith is a full-service, community-focused bank and direct mortgage lender headquartered in Fort Smith, Arkansas. Established in 1872, it is the… Read more
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2025 Mortgage Review: Lynx Mortgage Bank LLC
Lynx Mortgage Bank LLC is a privately held, direct mortgage lender headquartered in Westbury, New York. Founded in 2004 by a core group of experienced mortgage… Read more
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2025 Mortgage Review: First Horizon Bank
First Horizon Bank is a full-service, community-focused bank and direct mortgage lender headquartered in Memphis, Tennessee. With a history dating back to 1864, it operates over… Read more
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2025 Mortgage Review: First Commonwealth Bank
First Commonwealth Bank is a full-service, community-focused bank and direct mortgage lender headquartered in Indiana, Pennsylvania. As a subsidiary of First Commonwealth Financial Corporation, the bank… Read more
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2025 Mortgage Review: United Bank
United Bank, dual-headquartered in Charleston, West Virginia, and Fairfax, Virginia, is a regional banking leader with origins dating back to 1839. Operating nearly 250 branches in… Read more
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2025 Mortgage Review: Horicon Bank
Horicon Bank is a privately held, community-focused, full-service bank and direct mortgage lender headquartered in Horicon, Wisconsin. Founded in 1896 by Daniel C. Van Brunt, the… Read more
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How to Price a Room for Rent
Setting the right price for a room in your home is part art, part science. Price too high, and you risk sitting vacant. Price too low,… Read more
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2025 Mortgage Review: First Harrison Bank
First Harrison Bank is a community-focused, full-service bank and direct mortgage lender headquartered in Corydon, Indiana. Founded in 1891 and operating as a subsidiary of First… Read more
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2025 Mortgage Review: First National Bank of Middle
First National Bank of Middle Tennessee is a full-service, community-focused bank and direct mortgage lender headquartered in McMinnville, Tennessee. Established in 1874, it is the third… Read more