Tomo MortgageReviews of hellotomo.com

Back in the day when you got a conditional approval letter, all you had to do was satisfy every condition and you got the green light to go. I did all this and then 3 days before scheduled to close they said I needed to pay off a 6 year credit card debt (due to covid and losing my job). This could have been included in the conditional approval but was not. I lost $1500 in earnest money and inspection fee because of their lack of disclosure.

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.

The 2 people I spoke with on the phone refused to give me a loan interest rate until I filled out their online form and uploading just income verification, which I did promising only a soft pull on my credit, and I would have my loan rate within an hour. I spent a lot of time gathering and submitting the information which was complete. Then some sleezy salesman kept fishing for more information that was not necessary unless I was actually applying for the loan. He alteady got my income documents, then wanted, w-2 information, bank statements, chrck stubs, etc... he never gave me their loan rates. Total identity theft! Do not use this company they are fraudsters trying to steal your identity. They lie about what they need, then just ask for more information in order to steal your identity. I am calli m g the police and filing a complaint.

Very disappointing experience with Tomo. I submitted a complete application and am fully qualified (and approved with other lenders), yet they refused to provide a Loan Estimate and gave inconsistent and shifting explanations. When I asserted my rights, I was told I would be denied instead. Peter (NMLS #2063056) handled this in a way that raises serious concerns about compliance with RESPA and basic lending transparency standards. Refusal to provide required disclosures, lack of accountability, and no ability to escalate to management. The overall experience felt intentionally opaque and unprofessional. I would strongly recommend working with a more transparent and compliant lender.

They got people that stupid that don't know what they're doing I would never recommend them to nobody not even my worst enemy they wait till a week before closing to give people their answer I was working with them for 3 months and that we got to do three different clothes and times because they were playing games so I would never recommend them for nobody

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.