Buying a home is more costly than ever, yet big lenders continue to get away with inflated rates and ridiculous fees. Tomo Mortgage is putting a stop to it. We’re a mortgage company that uses AI to automate the most annoying and frustrating parts of the home buying process. It’s why we’re a lot faster, less frustrating, and way less expensive.
And, because we cost less, we don’t have to play the same games as other lenders—no bait-and-switch or extra fees for things like “processing” or “origination.” We can be upfront and honest about our rates and closing costs, without forcing you to give up your personal information or get on the phone with a salesperson. It’s simple, really: Low rates, no gotchas. It’s why we’re one of the fastest-growing lenders in America, and why we get so many 5-star reviews. We even score #1 on Bankrate’s “Best Online Lender: 2025.”What we do
We use AI to make buying a home faster, easier, and way less expensive.
Tomo's story
Frustration is the mother of invention. Is that how the saying goes? Well, it does in our case.
Tomo Mortgage exists because the process of buying a home can be truly terrible. After spending years in the industry and confronting this reality time and again, we asked a simple, yet seemingly novel, question: why? When no reasonable answer was to be found, Tomo Mortgage was born.
Joined by a talented group of diverse, fearlessly curious, and relentlessly customer-focused people, we set out to launch the world’s first complete home buying service.
Our driving belief at Tomo Mortgage is that the joy of owning a home should never be overshadowed by the hassle of buying one, and we’re not the only believers.
Tomo Mortgage was co-founded by former Zillow exec, Greg Schwartz, and backed by Progressive Insurance®, Metaprop, Ribbit Capital, DST Global, and NFX, among others.
As featured on
“I selected Tomo over all others because of the professionalism. There were no hidden requirements, no bait and switch like behavior… Tomo was upfront, transparent, no surprises from the start to the end and explained everything in detail in a language I can understand. I recommend Tomo 100%.”
Aaron
Tomo Mortgage Senior Loan Advisor NMLS #182019