““They were super responsive throughout the process and we got the lowest rate.”
Mariah S.
5 out of 5 stars
TrustpilotBest Online Lender 2025
Tomo Mortgage: Fast-closing mortgage lender
Offer accepted or under contract? We close in as little as 12 days.
Save thousands on your mortgage
Get startedLow rates. No lender fees.
Numbers that speak for themselves
0.25%
lower than industry rates*
$3B
in originated loans
5K+
homeowners funded
98%
on-time closing
$0 in lender fees
Keep $3K-$5K that other lenders take
Save $50-$100/mo*
Lower rates mean lower monthly payments
Win with faster closing
Close in as little as 12 days - that's a competitive offer
Tomo Mortgage cuts what other lenders charge
Even lenders with low rates can hide fees and under-deliver. Here's the proof.
| Lender | Lender fees | Customer reviewsMore information | |
|---|---|---|---|
 | No lender feesHighly rated | Highly rated | |
 | $995Mixed reviews | Mixed reviews | |
 | $995Average | Average | |
 | $1050Below average | Below average |
Insights
High margins or poor operations — either way, you overpay. Don't settle for lenders that cost you thousands.
George RobinsonTrueRate Data ScientistBacked by
Backed by
Frequently asked questions
With Tomo Mortgage, you can close a conventional loan in as little as 12 days. Our average closing time is 21 days, compared to 30-45 days with traditional lenders.
Why we're faster:
- Fewer property requirements than FHA/VA loans
- Digital documentation
- 7-day/week support to keep things moving
- Automated underwriting that flags issues early
Yes, you can switch mortgage lenders at any point before closing – even after submitting an application, getting pre-approved, or going under contract. You're not obligated to stay with your current lender. Most borrowers switch because of delays, poor communication, or finding better rates. With Tomo Mortgage, we'll help you transfer your application and get your process back on track.
Not if you switch early enough. If your current lender is already causing delays, switching to Tomo Mortgage can get you back on schedule. We close 98% of loans on time vs. the industry average of 40%. The key is switching as soon as you notice problems rather than hoping things will improve. We'll assess your timeline honestly and tell you if switching makes sense for your situation.
Yes, Tomo Mortgage offers a Price Match Guarantee. If you receive a better price from another lender, we'll match it.
Bring us a competitor's Loan Estimate and we'll review it to ensure you're getting the best deal. This applies to both interest rates and closing costs, so you never have to choose between Tomo Mortgage's service and getting the lowest price.
Ask a lender for a Loan Estimate – every lender must provide one within 3 business days of your application.
Focus on these sections:
- Interest rate and APR (Page 1) - compare apples-to-apples
- Closing costs (Page 2, Section J) - fees that vary by lender
- Lender fees (Page 2, Section A) - Tomo Mortgage charges $0, saving you ~$2,000
Don't just compare rates—lenders with lower rates often charge higher fees. Look at the total cost over your expected timeline in the home.
Secure a fast-closing mortgage lender
Get startedLow rates. No lender fees.