Tips, trends and insights for homebuyers like you.
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Tomo Mortgage Review 2026: Lower Rates, Zero Fees, Faster Close
See what real customers say about Tomo Mortgage, including star ratings, the loan process, rates, pros, cons, and how Tomo compares to other lenders. Updated for 2026. 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 a origination fee?
If you are in the process of shopping around for a lender, or just curious about the home buying process as a whole, you’ve likely heard… Read more
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What is a mortgage escrow account?
When financing a new home, you’ll likely hear the term “escrow.” When purchasing a new home, the escrow is just a neutral “holding area” between the… Read more
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What is the difference between earnest money and my down payment?
Earnest money is just an initial deposit to secure your offer, while the down payment is a larger sum that reduces the amount you need to… 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