Tomo Mortgage Reviews 252

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, professionalism, and responsiveness, often highlighting their ability to answer questions clearly and provide valuable guidance. Many people noted that the service was smooth, efficient, and made the process easy to understand, even for first-time buyers. Reviewers frequently mentioned securing the lowest rates compared to other lenders, appreciating the transparency regarding fees and the overall competitive pricing. However, some customers also noted occasional issues with communication, including slow response times or the need to repeatedly provide the same documents. A few reviewers expressed dissatisfaction with the service, citing a lack of diligence, unresponsiveness, and, in some cases, rude or dismissive interactions from staff, which led to delays and increased stress during the closing process.

What people talk about most

Staff

Clients share positive opinions on staff, frequently highlighting their professionalism, responsiveness, and... See more

Service

Users describe positive interactions with service, highlighting the professionalism and helpfulness of the... See more

Price

Reviewers highlight positive aspects of price, consistently praising the competitive mortgage rates and low... See more

Response time

People report positive experiences with response times. Many customers praise the quick callbacks, fast... See more

Customer service

Customers generally report positive experiences with customer service, highlighting helpful and communicative... See more

Based on these reviews

Rated 5 out of 5 stars

The experience with Tomo so far (obtained a pre-approval) has been quite positive. After recently giving my information to Zillow, I could not retrieve it and when told I would receive a call back i... See more

Rated 5 out of 5 stars

We got the lowest rate we could find. We were particularly happy in the way the loan officer handled all our questions. The experience with closing could have been better as our questions experienced... See more

Rated 5 out of 5 stars

Definitely got us the lowest rate. I did do some additional shopping but they beat/exceeded anything I put in front of them. Closing did take an hour or two extra as it seems they didn't double chec... See more

Rated 5 out of 5 stars

I had an excellent experience with Tomo! They offered the lowest mortgage rate I could find, and their team provided outstanding support from start to finish. The entire process was smooth, transparen... See more


Company details

Written by the company

We've streamlined the mortgage process to make buying a home fast, easy, and less expensive.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

252 reviews

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Hasn’t replied to negative reviews

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Rated 1 out of 5 stars

They got people that stupid that don't…

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

9 April 2026
Unprompted review
Rated 5 out of 5 stars

First time home buyer finding a lender

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.

31 March 2026
Unprompted review
Rated 1 out of 5 stars

Predatory predatory predatory…

This company should be put on a watch list they have these astronomical monthly fees. And for the last 2 months you haven't been able to link your bank account so you can't actually activate your card. It's a scam essentially and trying to get them to stop billing you that good luck.

1 March 2026
Unprompted review
Rated 5 out of 5 stars

Excellent service

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.

25 March 2026
Unprompted review
Rated 5 out of 5 stars

Glad I gave them a shot! Never using anything else.

Having gone through the homebuying experience previously, working with Tomo was unbelievably easy and fast. Even my realtor and title company commented how quick and diligent they were. Their initial application takes a bit more time than other "fast" digital lenders but no one came near the rates and customer service they offered. I especially liked that the rate that was advertised to me was the rate I actually secured. No gimmicks. Glad I took a chance on them. Special shoutout to Joe, my loan advisor, who was truly excellent.

30 March 2026
Unprompted review
Rated 5 out of 5 stars

So Far, So Good!

So far so good! Currently putting out offers as a first time buyer, and checking in with all the Lenders for the best rates/customer service.
The application process was fairly standard to what I had seen before.
Chatting with our assigned Loan Advisor, AJ Hitchens, was extremely pleasant. We walked through the pre-approval document together and he explained all their selling points effectively.
I think the rates will be hard to beat!

27 March 2026
Unprompted review
Rated 5 out of 5 stars

Aaron Shaw

Spoke with Aaron Shaw and he was very helpful, I filled out the application online and he reached out to me the very next day. Aaron went over all my options and made sure I understood everything clearly. He also sent me the pre-approval letter right after our call wich was super helpful. Definitely recommend reaching out if your looking to buy a new home.

25 March 2026
Unprompted review
Rated 1 out of 5 stars

Tomo Mortgage collected an appraisal…

Tomo Mortgage collected an appraisal payment from an elderly widowed woman. She paid for the appraisal upfront. The mortgage process wasn't not smooth for her. She was purchasing a property, in escrow on her transaction, and her calls were never answered. She stated they spoke down to her in many cases. She choose to move to a different lender. When asking for the appraisal transfer, they refused. Not only did they refuse, they blocked her email address from receiving additional communication from her. This is unprofessional, unethical, and elderly abuse.

23 March 2026
Unprompted review
Rated 5 out of 5 stars

The ride with Tomo has been smooth!

We are just beginning our home search/purchase journey and we are working with Sean. He has been punctual and has listened to our needs. We have needed revisions to our pre/approval letter and he has gotten them to us almost instantaneously!

21 March 2026
Unprompted review

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