Tomo MortgageReviews of hellotomo.com

James Schell went above and beyond to help us throughout our entire process! From pre-approval to closing, he helped us get the home of our dreams!

The most seamless home buying process ever! Closed in 30 days despite Christmas and New year holidays. Robert Reyes and Pam Nisbet we’re always available and extremely responsive even on Christmas! Highly recommend!!

I didn’t get the interest rate I was told I would get. I didn’t get the 5% down I was told I would get. Part of my income was not counted so I had to pay an extra $10,000 in debt. I was told that paying that debt would help me get the lower rates back but that also did not happen. I would have gone to another lender had I not promised the sellers a 30 day closing and have been told by other lenders that that was not handled right. And all the emails that were sent to my insurance lady had the wrong address, my previous home, as to my purchased property so I have had no insurance on it without my knowledge. It just happened that a lady that works at the ins office knew my grandson and my previous home and knew it could not be the one I purchased. So I really feel even the two stars were too many. I was not treated honestly or properly.

They were unable to correctly implement an agent commission credit at closing, communicating misinformation. Everything else was fantastic.

I chose Tomo to help me buy my first ever investment house, and they did not disappoint! The company itself is relatively new in the business, but they have knowledgeable and experienced team and are equipped with a great business model. They gave us the best rates and mortgage terms from the start. I worked with Ted and Raul, and they were amazing. They were transparent with us from the beginning, helpful, and accommodating to our request. Sometimes I even called Ted at 11 pm during a weekend, and he was there for our last minutes requests. And Raul was excellent with the communication, he always made us feel comfortable and made sure everything was done correctly. Couldn't have asked for a better lender to handle my loan application process, and now we are working with them for another loan for our next property!

The end to end experience was helpful and thoughtful at each interaction. My loan advisor would communicate with me using all channels and was always helpful at explaining things. Tomo knows how to work smart and efficient.

I truly want to give the team at Tomo 10 stars if there is that option !! We were on crunch time to close a brand new house that we were waiting to be built more than a year (during Covid time). In less than 2 weeks, James Schell and his associate Omar Galvez were working around the clock to help us to get the loan processed and approved. They were also working very close with my home builders and title company, tracking every steps and really helped my closing process go very smoothly. We had several home finances in the past, and my wife is always the best loan rate shopper around, but this time she said Tomo (James Schell) had offered the lowest 15-year rate that many other big home finance company can not even come close. We strongly recommend Tomo to everyone !! Thank you Tomo !! William Nguyen and Nguyet Tran

Andrew Yee and the Tomo team create a white-glove mortgage experience and give the best interest rate possible. I had a problematic mortgage application: high student loans, a credit score that dropped 40 points a week before my close date, a multi-family property, an inflexible deadline, and no co-signer--it was a nightmare. Additionally, I cut ties with my first lender after they told me I had to increase my down payment to 25 percent, but Tomo was able to keep it at 20 percent despite all the hurdles. The Tomo team communicated the steps needed to make things happen (even on Thanksgiving Day!). Andrew, Hal, Carey, and Dan, I sincerely thank you for seeing my mortgage through the finish line and helping me become a homeowner.