Tomo MortgageReviews of hellotomo.com

Tomo helped make the mortgage process feel clear and manageable. Their team was responsive, professional, and straightforward, and I appreciated that they kept things moving without making the process feel overwhelming. We really like their portal which tracks the process and immediately emails all updates and sends a text; very reassuring when you are panicking! They were especially helpful in explaining the steps, answering questions, and making sure we understood what was needed along the way. I felt supported during a major life decision, and that made a real difference. I would definitely recommend Tomo Mortgage to anyone looking for a smooth, transparent, and positive mortgage experience. Special Thanks to Stacey F. For her communication and transparency.

Irena Liu and the team made this a somewhat easy process. It’s never an easy process, but they added some ease. They were quick to respond and answered all our 2930303 questions. We did shop around a bit, and Tomo provided the best rates, and closing was on time and overall a smooth experience. I would recommend.

My experience with Tomo and most importantly Irena Liu has been great. I was a first time home buyer, determined to get the best possible rate and lender fees. I reached out to Tomo at first, and Irena contacted me immediately and provided what ended up being "by far" the best loan terms - it took me about 2 weeks ot convince myself after contacting many other lenders and brokers. I was a little hesitant to work with what seemed to be a big lender, where everything was online and by phone vs for example a local bank or a broker where things were done in person, but I was very wrong. Things moved super fast and we closed in 20 days (we could have done it even in 15, but my work travels delayed me). I always felt that Irena and her team had my best interest in mind. She heard my concerns, fears, reasoning, RE plans, financials, etc and she was available at any time from early morning to late evenings. Highly recommend Tomo and Irena Liu!

Lowest rate I found, I shopped around at a few different ones. but also they had the best response time when I needed last minute changes to the pre-approval letter for example. Found a house I was willing to increase my offer on, and it was Saturday, Tomo got back to me same day in time to put the offer in that day. That was the house I bought and offer was accepted same day. Website was clear and easy to navigate what we needed to do. There was always someone I could reach out to for more information.

Unbeatable Value: Tomo delivered the most competitive rates in the market—significantly lower than the big banks—and the zero lender fee structure saved me thousands on my purchase. Reliability You Can Trust: In a volatile market, Tomo proved to be a rock-solid partner; their transparency and "No-BS" approach made me feel completely confident in my financing. Precision Closing: Their process is a well-oiled machine that guarantees a timely closing, ensuring every deadline was met with room to spare and zero last-minute stress. Expert Communication: I was never left guessing thanks to their proactive updates; the team’s communication was clear, consistent, and professional at every single milestone. Seamless Digital Experience: The entire mortgage journey was incredibly smooth, combining a user-friendly tech platform with a high-touch service team that handled my purchase with total care.

Their rate is attractive transparent no other fees. I had a competing rate offer 2.5 weeks before closing, TOMO provided a generous counter offer to keep me with them. Ready to closing time is within 3 weeks.

As a first time home buyer finding a lender was very crucial in my search. I looked into several different lenders, and was intrigued when I came across Tomo Mortgage. There competitive mortgage rates grabbed my attention. Within a couple days I was working directly with Michael Welsh. He provided an estimate for the mortgage and closing costs the same day. The closing costs were significantly lower then any other lender I spoke with. During the process Michael and my loan advisor, Forrest Lansky, kept constant communication and answered all of the questions I had. I ended up saving $14K in closing costs, and overall it was a great experience. I will definitely recommend them in the future.

Our Tomo agent, Dylan Grushoff, was professional, informative, and extremely responsive. He explained all the terms, requirements, and options clearly, and when the forms promptly arrived, there were no unexpected additions or surprises. Our negotiations for a new home became complicated (not from Tomo's end), and Dylan was very helpful in helping us sort out what our various options were. I have no complaints and only praise for all of my interactions with Tomo.