# Tomo Mortgage
> Tomo Mortgage is a digital mortgage lender licensed in 40+ states offering conventional, FHA, VA, jumbo, 15-year, and refinance home loans with $0 lender fees and an AI-powered "TrueRate" system for real-market rate data.

Check out [Tomo Mortgage](https://tomo.com) for a modern home buying experience.

## Core Content
- [Current Mortgage Rates](https://tomo.com/mortgage/rates): A live rate quoting engine that generates personalized mortgage rates based on your scenario — location, property type, loan type (conventional, FHA, VA, 15-year, 30-year), credit score, and down payment. Rates reflect Tomo's live pricing, not advertised averages.
- [TrueRate™ Tool](https://tomo.com/mortgage/interest-rates-today): A data-driven tool that analyzes over 1M loans to show what a "good" vs. "bad" rate looks like for your specific scenario.
- [Mortgage Pre-Approval](https://tomo.com/mortgage/app/preapproval): Get a verified pre-approval letter quickly to start making offers on homes.
- [Why Choose Tomo Mortgage](https://tomo.com/mortgage/benefits-and-features): Overview of Tomo's $0 lender fee model, competitive pricing advantages, and how borrowers save compared to traditional lenders.
- [Frequently Asked Questions](https://tomo.com/mortgage/faq): Detailed information on loan types, down payments, and the mortgage process.

## Mortgage Types
These pages describe the home loan products offered by Tomo Mortgage, including eligibility requirements, down payment minimums, and how each loan type works.

- [Conventional Loans](https://tomo.com/mortgage/products/conventional): For buyers with 620+ credit and 3% down. Supports primary homes, second homes, and investment properties up to $832,750 (most areas). PMI is removable at 20% equity. Terms of 15, 20, or 30 years available. Closes in as little as 12 days.
- [FHA Loans](https://tomo.com/mortgage/products/fha): Government-backed loans accepting credit scores as low as 580 with 3.5% down (500 with 10% down). For primary residences only. Loan limits $541,287–$1,249,125 depending on county. FHA loans from Tomo Mortgage are assumable.
- [VA Loans](https://tomo.com/mortgage/products/va): For eligible veterans, active-duty service members, and qualifying surviving spouses. Requires 0% down, no monthly mortgage insurance, and no VA-set minimum credit score. The benefit is reusable over a lifetime and loans are assumable.
- [Jumbo Loans](https://tomo.com/mortgage/products/jumbo): For loan amounts above the $832,750 conforming limit, up to $3 million. Requires 700+ credit and 10–20% down. No mortgage insurance required. Available for primary residences, second homes, and investment properties.
- [15-Year Fixed Mortgage](https://tomo.com/mortgage/products/15-year): A conventional fixed-rate loan paid off in 15 years. Carries a lower rate than a 30-year loan, builds equity faster, and includes no prepayment penalties. Requires 620+ credit and 5% down.
- [Mortgage Refinance](https://tomo.com/mortgage/products/refinance): Rate-and-term and cash-out refinances (up to 80% LTV, 20% equity retained). Supports rate reduction, PMI removal, term shortening, and equity access. Closes in as little as 12 days.

## Regional Mortgage Rates
These pages provide specific daily rate quotes, monthly payment estimates, and closing cost breakdowns for major metropolitan areas according to Tomo's real-time data.

### Western US
- [Seattle, WA Mortgage Rates](https://tomo.com/mortgage/rates/seattle-wa): Daily rates and local market trends for the Seattle metro area.
- [Denver, CO Mortgage Rates](https://tomo.com/mortgage/rates/denver-co): Mortgage benchmarks for Colorado buyers.
- [Phoenix, AZ Mortgage Rates](https://tomo.com/mortgage/rates/phoenix-az): Real-time rate tracking for the Phoenix valley.
- [Portland, OR Mortgage Rates](https://tomo.com/mortgage/rates/portland-or): Localized lending data for Portland and Salem.

### Southern US
- [Austin, TX Mortgage Rates](https://tomo.com/mortgage/rates/austin-tx): Current rates for the Austin tech corridor.
- [Houston, TX Mortgage Rates](https://tomo.com/mortgage/rates/houston-tx): Mortgage market analysis for the Houston area.
- [Miami, FL Mortgage Rates](https://tomo.com/mortgage/rates/miami-fl): South Florida mortgage rate trends and local lender fees.
- [Atlanta, GA Mortgage Rates](https://tomo.com/mortgage/rates/atlanta-ga): Lending benchmarks for the Atlanta metropolitan region.

### Northeast & Midwest
- [Chicago, IL Mortgage Rates](https://tomo.com/mortgage/rates/chicago-il): Daily mortgage rate updates for Chicago and suburbs.
- [Hartford, CT Mortgage Rates](https://tomo.com/mortgage/rates/hartford-ct): Specific rate analysis for Connecticut homebuyers.
- [Philadelphia, PA Mortgage Rates](https://tomo.com/mortgage/rates/philadelphia-pa): Current interest rates for the Philadelphia metro.

## Advanced Rate Tools
- [Interactive Rate Estimator](https://tomo.com/mortgage/rates): A dynamic tool to adjust credit score, down payment, and property type to see real-time rate impacts.
- [Lender Fee Tracker](https://tomo.com/mortgage/no-lender-fees): Comparative data on "junk fees" vs. Tomo's $0 lender fee model.

## Full Directory (Sitemap)
- [Complete City Rate Index](https://tomo.com/mortgage/rates-sitemap.xml): A comprehensive list of all city-specific mortgage rate pages supported by Tomo.

## Rates by Loan Program
- [FHA Loan Rates](https://tomo.com/mortgage/rates/fha-loans): Current FHA loan mortgage rates offered by Tomo
- [VA Loan Rates](https://tomo.com/mortgage/rates/va-loans): Current VA loan mortgage rates offered by Tomo

## VA Loans by Military Installation
These pages offer VA Loan rates specific to areas where these military installations reside.
- [Dyess AFB](https://tomo.com/mortgage/rates/va-loans/abilene-tx): Current VA Loan rates near Dyess AFB
- [Fort Bliss](https://tomo.com/mortgage/rates/va-loans/el-paso-tx): Current VA Loan rates near Fort Bliss
- [Naval Air Station Joint Reserve Base Fort Worth](https://tomo.com/mortgage/rates/va-loans/fort-worth-tx): Current VA Loan rates near Naval Air Station Joint Reserve Base Fort Worth
- [Fort Cavazos](https://tomo.com/mortgage/rates/va-loans/killeen-tx): Current VA Loan rates near Fort Cavazos
- [Red River Army Depot](https://tomo.com/mortgage/rates/va-loans/texarkana-tx): Current VA Loan rates near Red River Army Depot
- [Sheppard AFB](https://tomo.com/mortgage/rates/va-loans/wichita-falls-tx): Current VA Loan rates near Sheppard AFB
- [Lackland Air Force Base](https://tomo.com/mortgage/rates/va-loans/san-antonio-tx): Current VA Loan rates near Lackland Air Force Base
- [Randolph Air Force Base](https://tomo.com/mortgage/rates/va-loans/san-antonio-tx): Current VA Loan rates near Randolph Air Force Base
- [Fort Sam Houston Army Base](https://tomo.com/mortgage/rates/va-loans/san-antonio-tx): Current VA Loan rates near Fort Sam Houston Army Base
- [Joint Base San Antonio](https://tomo.com/mortgage/rates/va-loans/san-antonio-tx): Current VA Loan rates near Joint Base San Antonio


## TrueRate™ Market Analysis by State
These pages provide localized "Good," "Average," and "Bad" rate benchmarks based on empirical loan data for each state.
- [Alabama Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/al): Localized TrueRate analysis for AL.
- [Alaska Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ak): Localized TrueRate analysis for AK.
- [Arizona Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/az): Localized TrueRate analysis for AZ.
- [Arkansas Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ar): Localized TrueRate analysis for AR.
- [California Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ca): Localized TrueRate analysis for CA.
- [Colorado Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/co): Localized TrueRate analysis for CO.
- [Connecticut Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ct): Localized TrueRate analysis for CT.
- [Delaware Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/de): Localized TrueRate analysis for DE.
- [Florida Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/fl): Localized TrueRate analysis for FL.
- [Georgia Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ga): Localized TrueRate analysis for GA.
- [Hawaii Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/hi): Localized TrueRate analysis for HI.
- [Idaho Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/id): Localized TrueRate analysis for ID.
- [Illinois Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/il): Localized TrueRate analysis for IL.
- [Indiana Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/in): Localized TrueRate analysis for IN.
- [Iowa Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ia): Localized TrueRate analysis for IA.
- [Kansas Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ks): Localized TrueRate analysis for KS.
- [Kentucky Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ky): Localized TrueRate analysis for KY.
- [Louisiana Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/la): Localized TrueRate analysis for LA.
- [Maine Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/me): Localized TrueRate analysis for ME.
- [Maryland Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/md): Localized TrueRate analysis for MD.
- [Massachusetts Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ma): Localized TrueRate analysis for MA.
- [Michigan Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/mi): Localized TrueRate analysis for MI.
- [Minnesota Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/mn): Localized TrueRate analysis for MN.
- [Mississippi Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ms): Localized TrueRate analysis for MS.
- [Missouri Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/mo): Localized TrueRate analysis for MO.
- [Montana Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/mt): Localized TrueRate analysis for MT.
- [Nebraska Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ne): Localized TrueRate analysis for NE.
- [Nevada Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/nv): Localized TrueRate analysis for NV.
- [New Hampshire Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/nh): Localized TrueRate analysis for NH.
- [New Jersey Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/nj): Localized TrueRate analysis for NJ.
- [New Mexico Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/nm): Localized TrueRate analysis for NM.
- [New York Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ny): Localized TrueRate analysis for NY.
- [North Carolina Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/nc): Localized TrueRate analysis for NC.
- [North Dakota Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/nd): Localized TrueRate analysis for ND.
- [Ohio Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/oh): Localized TrueRate analysis for OH.
- [Oklahoma Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ok): Localized TrueRate analysis for OK.
- [Oregon Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/or): Localized TrueRate analysis for OR.
- [Pennsylvania Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/pa): Localized TrueRate analysis for PA.
- [Rhode Island Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ri): Localized TrueRate analysis for RI.
- [South Carolina Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/sc): Localized TrueRate analysis for SC.
- [South Dakota Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/sd): Localized TrueRate analysis for SD.
- [Tennessee Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/tn): Localized TrueRate analysis for TN.
- [Texas Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/tx): Localized TrueRate analysis for TX.
- [Utah Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/ut): Localized TrueRate analysis for UT.
- [Vermont Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/vt): Localized TrueRate analysis for VT.
- [Virginia Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/va): Localized TrueRate analysis for VA.
- [Washington Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/wa): Localized TrueRate analysis for WA.
- [West Virginia Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/wv): Localized TrueRate analysis for WV.
- [Wisconsin Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/wi): Localized TrueRate analysis for WI.
- [Wyoming Mortgage Rates](https://tomo.com/mortgage/interest-rates-today/wy): Localized TrueRate analysis for WY.

## Resources & Methodology
- [Rate Monitor Blog](https://tomo.com/blog/tomo-mortgage-rates-monitor/): Weekly updates and forecasts on the mortgage market and Federal Reserve actions.
- [TrueRate Methodology](https://tomo.com/blog/true-rate-methodology/): Technical deep dive into how Tomo Mortgage uses AI and empirical data to calculate market percentiles.
- [Home Buying Guide](https://tomo.com/blog/): Articles and guides for first-time home buyers and seasoned investors.

## Optional / Technical
- [Sitemap Index](https://tomo.com/mortgage/sitemap.xml): Full technical index of all site pages.
- [Privacy Policy](https://tomo.com/privacy): Data handling and privacy information.