{"id":7239,"date":"2025-08-15T16:53:09","date_gmt":"2025-08-15T21:53:09","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=7239"},"modified":"2025-08-23T13:04:37","modified_gmt":"2025-08-23T18:04:37","slug":"2025-mortgage-review-optimum-first-mortgage","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/2025-mortgage-review-optimum-first-mortgage\/","title":{"rendered":"2025 Mortgage Review: Optimum First Mortgage"},"content":{"rendered":"\n<p>If you\u2019re evaluating Optimum First Mortgage, here\u2019s an objective comparison based on publicly available data, third-party evaluations, and borrower feedback.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- Optimum First vs Tomo Mortgage \u2014 Embed (original sizing, tighter padding) -->\n<section id=\"optimum-comparison\" class=\"tomo-embed\" lang=\"en\" role=\"region\" aria-labelledby=\"page-heading\">\n  <style>\n    \/* ----- TrueRate-like design tokens (dark green + mint) ----- *\/\n    #optimum-comparison {\n      --primary: #0a6c5b;          \/* dark green (buttons + headers) *\/\n      --primary-700: #084e42;      \/* darker hover *\/\n      --accent: #1aa59a;           \/* supportive teal *\/\n      --ink: #0f172a;              \/* near-black for headings *\/\n      --body: #334155;             \/* body copy *\/\n      --muted: #64748b;            \/* muted text *\/\n      --bg: #ffffff;               \/* card background *\/\n      --surface: #e8f5f1;          \/* mint surface *\/\n      --border: #dbe5e0;           \/* subtle borders *\/\n      --radius: 16px;\n\n      font-family: ui-sans-serif, -apple-system, Segoe UI, Roboto, Inter, \"Helvetica Neue\", Arial, system-ui, \"Apple Color Emoji\", \"Segoe UI Emoji\", \"Segoe UI Symbol\";\n      color: var(--body);\n      background: transparent;\n      margin: 0 auto;\n      max-width: 980px;\n      line-height: 1.6;\n    }\n\n    \/* Screen-reader-only page title *\/\n    #optimum-comparison .sr-only {\n      position: absolute !important; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,1px,0); white-space:nowrap; border:0;\n    }\n\n    \/* Cards *\/\n    #optimum-comparison .card {\n      background: var(--bg);\n      border: 1px solid var(--border);\n      border-radius: var(--radius);\n      box-shadow: 0 8px 28px rgba(17, 24, 39, 0.08);\n      overflow: clip;\n      margin: 18px 0;\n    }\n    #optimum-comparison .banner {\n      background: linear-gradient(135deg, var(--primary), var(--primary-700));\n      color: #fff;\n      padding: 18px 22px;\n      display: grid; gap: 6px;\n    }\n    \/* Eyebrow (plain white label) *\/\n    #optimum-comparison .eyebrow {\n      color:#fff; font-size:12px; letter-spacing:.08em; text-transform:uppercase;\n      display:block; margin-bottom:2px; font-weight:700;\n    }\n    \/* H2 matches original sizing, heavier for hierarchy *\/\n    #optimum-comparison .title { margin: 0; font-weight: 900; font-size: clamp(20px, 3vw, 28px); line-height: 1.15; }\n\n    \/* Body layouts *\/\n    #optimum-comparison .body { padding: 20px 22px; display: grid; grid-template-columns: 1.15fr .85fr; gap: 22px; }\n    #optimum-comparison .body.body--single { display:block; padding: 20px 22px; } \/* \ud83d\udd27 match first-section padding *\/\n    @media (max-width: 780px) { #optimum-comparison .body { grid-template-columns: 1fr; } }\n\n    \/* Sub-headings (match original h3: 18px \/ 800) *\/\n    #optimum-comparison h3 { margin: 0 0 6px; color: var(--ink); font-size: 18px; font-weight: 800; letter-spacing: -.01em; }\n\n    \/* Fact chips *\/\n    #optimum-comparison .factgrid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 10px; }\n    @media (max-width: 480px) { #optimum-comparison .factgrid { grid-template-columns: 1fr; } }\n    #optimum-comparison .chip { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 10px 12px; }\n    #optimum-comparison .chip dt { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 2px; }\n    #optimum-comparison .chip dd { margin: 0; color: var(--ink); font-weight: 700; }\n\n    \/* Buttons (primary only) *\/\n    #optimum-comparison .actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 10px; }\n    #optimum-comparison .btn {\n      appearance:none; border:1px solid transparent; background:var(--primary); color:#fff;\n      font-weight:700; padding:10px 14px; border-radius:10px; text-decoration:none; display:inline-flex; align-items:center; justify-content:center;\n      transition: transform .02s ease, box-shadow .2s ease, background .2s ease; box-shadow: 0 6px 16px rgba(10,108,91,.25);\n    }\n    #optimum-comparison .btn:hover { background: var(--primary-700); transform: translateY(-1px); }\n\n    \/* Tables *\/\n    #optimum-comparison table { width: 100%; border-collapse: collapse; font-size: 14px; }\n    #optimum-comparison th, #optimum-comparison td { border: 1px solid var(--border); padding: 10px; text-align: left; vertical-align: top; }\n    #optimum-comparison th { background: var(--surface); color: var(--ink); font-weight: 800; }\n\n    \/* Quotes *\/\n    #optimum-comparison .quotes { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 14px; }\n    @media (max-width: 780px) { #optimum-comparison .quotes { grid-template-columns: 1fr; } }\n    #optimum-comparison blockquote { margin: 0; background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 14px; font-size: 15px; }\n    #optimum-comparison blockquote footer { margin-top: 8px; font-size: 13px; color: var(--muted); font-style: normal; }\n  <\/style>\n\n  <h1 id=\"page-heading\" class=\"sr-only\">Optimum First Mortgage vs. Tomo Mortgage<\/h1>\n\n  <!-- Overview -->\n  <section class=\"card\" id=\"overview\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Overview<\/span>\n      <h2 class=\"title\">Who is Optimum First Mortgage?<\/h2>\n    <\/div>\n    <div class=\"body\">\n      <section>\n        <p>\n          Optimum First Mortgage is a California-based mortgage non-delegated lender with a footprint in about 15 states, including large markets like Texas, Florida, and Pennsylvania. \n  Because Optimum does not make its own underwriting decisions as a non-delegated lender\u2014and instead relies on investor partners to approve and report loans\u2014its activity does not appear separately in \n  <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/hmda\/\" target=\"_blank\">Home Mortgage Disclosure Act (HMDA)<\/a> data.\n        <\/p>\n        <p>\n          Among lenders most active on Bankrate, Optimum and Tomo Mortgage are often neck-in-neck on interest rates. While rates are important, factors like fees, underwriting control, borrower experience, and policies such as rate-lock terms or cancellation charges also matter.\n        <\/p>\n      <\/section>\n      <aside aria-label=\"At-a-glance facts\">\n        <div class=\"factgrid\">\n          <dl class=\"chip\"><dt>Optimum HQ<\/dt><dd>Huntington Beach, CA<\/dd><\/dl>\n                <dl class=\"chip\"><dt>Coverage<\/dt><dd>~15 states<\/dd><\/dl>\n      \n        <\/div>\n      <\/aside>\n    <\/div>\n  <\/section>\n\n  <!-- Bankrate Scores -->\n  <section class=\"card\" id=\"bankrate-ratings\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Bankrate Scores<\/span>\n      <h2 class=\"title\">How Bankrate Rates These Lenders<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <p>\n        Bankrate evaluates lenders across affordability, availability, and borrower experience.\n        Scores below are compiled from Bankrate\u2019s public pages (e.g., <a href=\"https:\/\/www.bankrate.com\/mortgages\/reviews\/tomo\/\" target=\"_blank\" rel=\"nofollow noopener\">Tomo review on Bankrate<\/a>).\n      <\/p>\n      <table aria-label=\"Bankrate category ratings\">\n        <thead>\n          <tr>\n            <th>Category<\/th>\n            <th>Optimum First Mortgage<\/th>\n            <th>Tomo Mortgage<\/th>\n            <th>Rocket Mortgage<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Affordability<\/td><td>5 \/ 5<\/td><td>5 \/ 5<\/td><td>1.8 \/ 5<\/td><\/tr>\n          <tr><td>Availability<\/td><td>4.2 \/ 5<\/td><td>5 \/ 5<\/td><td>5 \/ 5<\/td><\/tr>\n          <tr><td>Borrower Experience<\/td><td>4.5 \/ 5<\/td><td>4.8 \/ 5<\/td><td>4.6 \/ 5<\/td><\/tr>\n          <tr><th>Overall Rating<\/th><th>4.6 \/ 5<\/th><th>4.9 \/ 5<\/th><th>3.8 \/ 5<\/th><\/tr>\n        <\/tbody>\n      <\/table>\n\n      <div class=\"actions\" aria-label=\"rates-cta\">\n        <a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/rates?utm_source=tomo_blog&#038;utm_campaign=state-reviews\" target=\"_blank\">See today\u2019s rates from Tomo Mortgage<\/a>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- Side-by-side comparison -->\n  <section class=\"card\" id=\"side-by-side\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">How They Compare<\/span>\n      <h2 class=\"title\">Optimum First Mortgage vs. Tomo Mortgage<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <table aria-label=\"Feature comparison\">\n        <thead>\n          <tr>\n            <th>Attribute<\/th>\n            <th>Optimum First Mortgage<\/th>\n            <th>Tomo Mortgage<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Headquarters<\/td><td>Huntington Beach, CA<\/td><td>New York, New York<\/td><\/tr>\n          <tr><td>Website<\/td><td><a href=\"https:\/\/optimumfirst.com\" target=\"_blank\" rel=\"nofollow noopener\">optimumfirst.com<\/a><\/td><td><a href=\"https:\/\/tomo.com\/?utm_source=tomo_blog&#038;utm_campaign=seo-reviews\" target=\"_blank\">tomo.com<\/a><\/td><\/tr>\n          <tr><td>Bankrate Overall Rating<\/td><td>4.6 \/ 5 stars<\/td><td>4.9 \/ 5 stars<\/td><\/tr>\n          <tr><td>Year Founded<\/td><td>2008<\/td><td>2020<\/td><\/tr>\n          <tr><td>Availability<\/td><td>~15 states<\/td><td>33+ states + Washington, D.C.<\/td><\/tr>\n          <tr><td>Loan Types<\/td><td>Conventional, Jumbo, FHA, VA, USDA, Refinance<\/td><td>Conventional, Jumbo, FHA, VA (Purchase only)<\/td><\/tr>\n          <tr><td>Underwriting<\/td><td>Fully outsourced<\/td><td>Fully in-house<\/td><\/tr>\n          <tr><td>Rates<\/td><td>Does not show personalized rates on website<\/td><td>Shows personalized rates instantly online<\/td><\/tr>\n          <tr><td>Rate Lock Period<\/td><td>~90 days<\/td><td>~90 days<\/td><\/tr>\n          <tr><td>Lender Fees<\/td><td>&ldquo;Expect ~0.5%&ndash;1% origination&rdquo; &mdash; Consumer Affairs<\/td><td>No origination or processing fees<\/td><\/tr>\n<tr><td>Lock-Break Fees<\/td><td>$595 <\/td><td>No lock-break fees<\/td><\/tr>\n          <tr><td>Pre-approval Process<\/td><td>Lead form; phone-based pre-approval<\/td><td>Fully digital; instant underwritten pre-approval<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/section>\n\n  <!-- What It Means (\ud83d\udd27 padding\/margins aligned with first section) -->\n  <section class=\"card\" id=\"hybrid-model\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">What It Means<\/span>\n      <h2 class=\"title\">How Optimum First\u2019s Hybrid Model Affects Borrowers<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <p>\n        Based on <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/hmda\/\" target=\"_blank\">HMDA<\/a> patterns, Optimum First operates primarily as a non-delegated lender. Non-delegated lenders sell the loan, then a third-party lender underwrites, approves, and funds.\n       \n      <\/p>\n      <ul>\n        <li><strong>Speed:<\/strong> In-house loans often close faster.<\/li>\n        <li><strong>Consistency:<\/strong> Third-party underwriting can add steps or delays.<\/li>\n        <li><strong>Communication:<\/strong> More handoffs can reduce control and clarity.<\/li>\n      <\/ul>\n      <p>Recent reviews on Bankrate, Reddit, and Yelp suggest experiences vary&mdash;some smooth and well-communicated, others affected by last-minute changes or unclear expectations.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- What Customers Are Saying (\ud83d\udd27 padding\/margins aligned) -->\n  <section class=\"card\" id=\"reviews\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Recent Borrower Reviews (2025)<\/span>\n      <h2 class=\"title\">What Customers Are Saying<\/h2>\n    <\/div>\n\n    <div class=\"body body--single\">\n      <h3>Positive feedback<\/h3>\n      <p>Optimum First earns praise for competitive rates and responsive loan officers; refinance timelines are often described as efficient.<\/p>\n      <div class=\"quotes\" aria-label=\"positive-quotes\">\n        <blockquote>&ldquo;They are legit. I just closed a refi with them. They had the lowest rate at the time.&rdquo;<footer>&mdash; Reddit, April 2025<\/footer><\/blockquote>\n        <blockquote>&ldquo;As a first-time buyer, I had a lot of questions and doubts, but they were always quick to respond and made me feel confident every step of the way.&rdquo;<footer>&mdash; Bankrate, August 2025<\/footer><\/blockquote>\n        <blockquote>&ldquo;My refinance process was quick and easy. No surprises and everything went smoothly. I highly recommend Optimum.&rdquo;<footer>&mdash; Bankrate, August 2025<\/footer><\/blockquote>\n      <\/div>\n    <\/div>\n\n    <div class=\"body body--single\">\n      <h3>Mixed or cautionary experiences<\/h3>\n      <p>Other reviews describe misaligned final terms or communication gaps&mdash;issues that can stem from third-party underwriting and handoffs.<\/p>\n      <div class=\"quotes\" aria-label=\"mixed-quotes\">\n        <blockquote>&ldquo;It started off strong but ended with a 9.5% rate&hellip; I was told Plan B would be only 0.25% higher, but that wasn&rsquo;t reflected in the final terms.&rdquo;<footer>&mdash; Reddit, August 2025<\/footer><\/blockquote>\n        <blockquote>&ldquo;Throughout the process, I consistently sought clear information&hellip; Optimum&rsquo;s communication was limited to brief replies.&rdquo;<footer>&mdash; Bankrate, May 2025<\/footer><\/blockquote>\n        <blockquote>&ldquo;I was told I wasn&rsquo;t a priority because they were doing things for real customers in the pipeline instead of inbound business.&rdquo;<footer>&mdash; Yelp, June 2025<\/footer><\/blockquote>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- How to Compare Mortgage Lenders (\ud83d\udd27 padding\/margins aligned) -->\n  <section class=\"card\" id=\"how-to-compare\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Buyer Guide<\/span>\n      <h2 class=\"title\">How to Compare Mortgage Lenders<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <h3>Interest rates<\/h3>\n      <p>Compare <em>par rates<\/em> (0 points) and APR (rate + fees). Many headlines require paid points; small differences can mean big lifetime savings.<\/p>\n\n      <h3>Lender fees<\/h3>\n      <p>Origination\/processing can add thousands. Compare the total cost, not just the rate. On a $400,000 mortgage, avoiding $2,000&ndash;$4,000 in extra fees is meaningful.<\/p>\n\n      <h3>On-time close rate<\/h3>\n      <p>Deadlines matter. Ask about underwriting turn times and document review. Tomo Mortgage reports a 98% on-time close rate (industry benchmark ~40%).<\/p>\n\n      <h3>Pre-approval &amp; offer letters<\/h3>\n      <p>Fully underwritten pre-approvals typically strengthen offers vs. quick pre-quals. Ask what level of verification is completed up front.<\/p>\n\n      <h3>Customer satisfaction<\/h3>\n      <p>Read third-party reviews and ask for references. Look for responsiveness, clarity, and escalation paths.<\/p>\n\n      <h3>Employee reviews<\/h3>\n      <p>Healthy culture often correlates with better borrower experience (organized processing, proactive communication).<\/p>\n\n      <div class=\"actions\">\n        <a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/rates?utm_source=tomo_blog&#038;utm_campaign=state-reviews\" target=\"_blank\">See today\u2019s rates from Tomo Mortgage<\/a>\n      <\/div>\n      <p style=\"margin-top:8px\">\n        To understand how we compare rates fairly, see our\n        <a href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\/?utm_source=tomo_blog&#038;utm_campaign=state-reviews\" target=\"_blank\">TrueRate Methodology<\/a>.\n      <\/p>\n    <\/div>\n  <\/section>\n\n  <!-- JSON-LD helpers -->\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\":\"https:\/\/schema.org\",\n    \"@type\":\"ItemList\",\n    \"name\":\"Optimum First Mortgage vs Tomo Mortgage (and Rocket Mortgage)\",\n    \"itemListOrder\":\"http:\/\/schema.org\/ItemListOrderAscending\",\n    \"numberOfItems\":3,\n    \"itemListElement\":[\n      {\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@type\":\"FinancialService\",\"name\":\"Optimum First Mortgage\",\"url\":\"https:\/\/optimumfirst.com\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Fountain Valley\",\"addressRegion\":\"CA\",\"addressCountry\":\"US\"},\"areaServed\":\"~15 US states\",\"foundingDate\":\"2008\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.6\",\"bestRating\":\"5\",\"ratingCount\":\"N\/A\",\"reviewAspect\":\"overall\"}}},\n      {\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@type\":\"FinancialService\",\"name\":\"Tomo Mortgage\",\"url\":\"https:\/\/tomo.com\/?utm_source=tomo_blog&utm_campaign=seo-reviews\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"New York\",\"addressRegion\":\"NY\",\"addressCountry\":\"US\"},\"areaServed\":\"33+ US states and Washington, DC\",\"foundingDate\":\"2020\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"4.9\",\"bestRating\":\"5\",\"ratingCount\":\"N\/A\",\"reviewAspect\":\"overall\"},\"offers\":{\"@type\":\"Offer\",\"category\":\"Mortgage Loan\",\"name\":\"Purchase loans (Conventional, Jumbo, FHA, VA)\"}}},\n      {\"@type\":\"ListItem\",\"position\":3,\"item\":{\"@type\":\"FinancialService\",\"name\":\"Rocket Mortgage\",\"url\":\"https:\/\/www.rocketmortgage.com\",\"aggregateRating\":{\"@type\":\"AggregateRating\",\"ratingValue\":\"3.8\",\"bestRating\":\"5\",\"ratingCount\":\"N\/A\",\"reviewAspect\":\"overall\"}}}\n    ]\n  }\n  <\/script>\n\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\":\"https:\/\/schema.org\",\n    \"@type\":\"Dataset\",\n    \"name\":\"HMDA Closed-End Mortgage Activity (2024)\",\n    \"description\":\"Used to contextualize Optimum First Mortgage\u2019s lender footprint and reporting thresholds.\",\n    \"temporalCoverage\":\"2024\",\n    \"includedInDataCatalog\":\"HMDA\",\n    \"distribution\":[{\"@type\":\"DataDownload\",\"encodingFormat\":\"text\/html\",\"contentUrl\":\"https:\/\/www.consumerfinance.gov\/data-research\/hmda\/\"}]\n  }\n  <\/script>\n\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\":\"https:\/\/schema.org\",\n    \"@type\":\"FAQPage\",\n    \"mainEntity\":[\n      {\"@type\":\"Question\",\"name\":\"Is Optimum First Mortgage a broker or a lender?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Optimum First is a non-delegated lender\"}},\n      {\"@type\":\"Question\",\"name\":\"What fees should I expect with a broker?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Broker compensation typically ranges from ~0.5% to 2.75% of the loan amount and may appear as fees or a higher rate.\"}},\n      {\"@type\":\"Question\",\"name\":\"Where can I compare today\u2019s purchase rates online?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tomo Mortgage shows personalized purchase rates instantly online. See https:\/\/tomo.com\/mortgage\/rates?utm_source=tomo_blog&utm_campaign=state-reviews\"}}\n    ]\n  }\n  <\/script>\n<\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re evaluating Optimum First Mortgage, here\u2019s an objective comparison based on publicly available data, third-party evaluations, and borrower feedback. Optimum First Mortgage vs. Tomo Mortgage Overview Who is Optimum First Mortgage? Optimum First Mortgage is a California-based mortgage non-delegated lender with a footprint in about 15 states, including large markets like Texas, Florida, and [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":7240,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[286],"tags":[],"class_list":["post-7239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lender-reviews"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/tomo.com\/blog\/wp-content\/uploads\/2025\/08\/optimum-.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/7239","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/comments?post=7239"}],"version-history":[{"count":10,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/7239\/revisions"}],"predecessor-version":[{"id":7461,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/7239\/revisions\/7461"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media\/7240"}],"wp:attachment":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media?parent=7239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/categories?post=7239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/tags?post=7239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}