{"id":8465,"date":"2026-08-13T12:06:19","date_gmt":"2026-08-13T17:06:19","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8465"},"modified":"2026-08-18T09:06:48","modified_gmt":"2026-08-18T14:06:48","slug":"does-tomo-mortgage-offer-va-loans","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/does-tomo-mortgage-offer-va-loans\/","title":{"rendered":"Does Tomo Mortgage Offer VA Loans?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Tomo Mortgage offers <a href=\"https:\/\/tomo.com\/mortgage\/products\/va\" title=\"Tomo Mortgage VA loans\">VA purchase loans<\/a> and VA refinancing for <a href=\"https:\/\/tomo.com\/blog\/who-can-get-in-on-a-va-loan\/\" title=\"Who Qualifies for a VA Loan? Eligibility Requirements Explained\">veterans<\/a>, active-duty service members, and eligible surviving spouses, available in 41 states and Washington, D.C. (confirm current state availability at application, since licensing changes periodically).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick Answer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tomo Mortgage offers VA purchase loans for buying a primary residence, and VA refinancing for veterans with an existing VA-backed loan.<\/li>\n\n\n\n<li>Minimum credit score: 580. The VA sets no official floor; most lenders require 620 or higher.<\/li>\n\n\n\n<li>$0 Section A lender origination fees. The VA funding fee still applies (set by the VA, not Tomo Mortgage): 2.15% for first-time use at 0% down, 3.3% for subsequent use.<\/li>\n\n\n\n<li>Close time as fast as 25 days, about 44% faster than a 45-day industry average.<\/li>\n\n\n\n<li>Editable pre-approval letters and a float-down rate lock (captures a lower rate if rates drop 0.25% or more after locking) are included.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Loan Types Tomo Mortgage Offers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tomo Mortgage offers <a href=\"https:\/\/tomo.com\/blog\/how-to-get-a-va-loan\/\" title=\"How to Get a VA Loan: Step-by-Step Guide\">VA loans<\/a> for buyers acquiring a primary residence with 0% down. For veterans who already have a VA-backed loan and want to lower their rate without taking cash out, Tomo Mortgage offers VA-to-VA rate-and-term refinancing, the same function the VA&#8217;s Interest Rate Reduction Refinance Loan (IRRRL) program serves. Confirm current refinance options, including cash-out availability, directly with a Tomo Mortgage loan advisor, since specific refinance products can vary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit Score and Fees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The VA itself sets no <a href=\"https:\/\/tomo.com\/blog\/va-loan-credit-score-requirements\/\" title=\"What Credit Score Do I Need for a VA Loan?\">minimum credit score<\/a>; that requirement comes from individual lenders. Tomo Mortgage&#8217;s minimum is 580, below the 620 or higher that most lenders require, which opens VA financing to a broader range of qualifying veterans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tomo Mortgage charges $0 in Section A lender origination fees on VA loans. The VA funding fee still applies, since it is set by the VA, not the lender: 2.15% of the loan amount for first-time use at 0% down, and 3.3% for subsequent use. Veterans receiving VA disability compensation are exempt from the fee entirely. For the full breakdown by down payment tier, see <a href=\"https:\/\/tomo.com\/mortgage\/va\/va-funding-fee\/\">VA Funding Fee 2026<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\">Compare VA Lenders Today With TrueRate<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Close Time and Rate Protection<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tomo Mortgage closes VA loans in as little as 25 days, about 44% faster than a 45-day industry average. VA loans with more complex <a href=\"https:\/\/tomo.com\/blog\/how-to-get-a-va-loan\/\" title=\"How to Get a VA Loan: Step-by-Step Guide\">documentation<\/a>, such as self-employment income or a first-time COE request, tend to run toward the longer end of that range. Every rate lock includes a float-down provision: if rates drop 0.25% or more after locking, borrowers capture the lower rate instead of being held to their original lock.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pre-Approval and How to Apply<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The VA loan application is completed entirely online. Borrowers receive an editable pre-approval letter that can be adjusted by loan amount or purchase price at any hour, without calling a loan officer. To confirm eligibility, borrowers need a Certificate of Eligibility (COE); Tomo Mortgage can pull this directly with the borrower&#8217;s authorization instead of requiring the borrower to request it separately. For eligibility requirements themselves, see <a href=\"https:\/\/tomo.com\/blog\/who-can-get-in-on-a-va-loan\/\">Who Qualifies for a VA Loan?<\/a> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\"> Start Your VA Loan Application<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does Tomo Mortgage offer VA home loans?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Tomo Mortgage offers VA purchase loans and VA refinancing, available in 41 states and Washington, D.C.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the minimum credit score for a VA loan at Tomo Mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">580. The VA sets no minimum itself; Tomo Mortgage&#8217;s 580 floor is lower than the 620 or higher most lenders require.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What fees does Tomo Mortgage charge on VA loans?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$0 in Section A lender origination fees. The VA funding fee still applies (2.15% first use, 3.3% subsequent use, both at 0% down), since that fee is set by the VA, not Tomo Mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How fast does Tomo Mortgage close VA loans?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As fast as 25 days, about 44% faster than a 45-day industry average. Loans with more complex documentation typically take longer within that range.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Tomo Mortgage offers VA purchase loans and VA refinancing for veterans, active-duty service members, and eligible surviving spouses, available in 41 states and Washington, D.C. (confirm current state availability at application, since licensing changes periodically). Quick Answer: Ready to experience a different kind of lender? Tomo was built without lender fees, which means our team&#8217;s [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":2495,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[288],"tags":[],"class_list":["post-8465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-process"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Tomo Mortgage offers VA purchase loans and VA refinancing with $0 origination fees, a 580 minimum credit score, and a close 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17:38:52","updated":"2026-08-18 15:07:48","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/tomo.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/tomo.com\/blog\/category\/home-buying-guide\/\" title=\"Buying Your First Home\">Buying Your First Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/tomo.com\/blog\/category\/home-buying-guide\/home-buying-process\/\" title=\"Home Buying Process\">Home Buying Process<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tDoes Tomo Mortgage Offer VA Loans?\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/tomo.com\/blog"},{"label":"Buying 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