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Tomo Mortgage: Home buying made happy, mortgages made simple
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data-testid="tomo-mortgage-module"><header class="module-container"><h1 class="pt-10 text-xxl font-normal md:pt-16 md:text-[56px] lg:text-[80px]">The Tomo Mortgage</h1><h2 class="my-0 pb-0 pt-4 text-3lg text-gray-1 md:pb-6 lg:pb-8 lg:pt-7 lg:text-pw-xxl">The mortgage that changes everything.</h2><a class="LinkButton_link-btn__7Z2DQ LinkButton_primary___zLYG mt-6 md:mt-0" data-testid="cta-to-app" href="/mortgage/app/preapproval">Get started</a></header></div><section class="mt-4 bg-teal-1 font-light text-white md:mt-10 md:text-pw-base"><picture><source media="(max-width: 750px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/happy_homeowners_750-80.webp"/><source media="(max-width: 1000px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/happy_homeowners_1000-80.webp"/><img class="h-[300px] max-h-[582px] w-full object-cover md:h-[843px]" src="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/happy_homeowners_1600.webp" alt="A couple celebrating in front of a new home" loading="lazy" height="892" width="1600"/></picture><div class="flex flex-wrap items-center lg:flex-nowrap lg:gap-8 lg:pl-10 2xl:ml-[calc((100%-1440px)/2)] 2xl:pl-16"><header class="px-6 py-10 md:py-16 lg:w-1/2 lg:px-0 lg:py-0 2xl:max-w-[600px]"><h2 class="mt-0 text-[48px] leading-[52px] lg:mb-10 lg:pr-16 2xl:pr-32">Numbers that speak for themselves</h2></header><div class="w-full border-teal-3 lg:border-l"><div class="border-b border-t border-teal-3 lg:border-t-0"><div class="grid grid-cols-2 lg:max-w-[calc(1440px/2)]"><div class="border-r border-teal-3"><div class="px-6 pb-8 pt-6 lg:pb-8 lg:pt-8 xl:px-16"><div class="whitespace-nowrap text-[56px] leading-[70px] lg:text-[80px] lg:leading-[88px]">98<span class="text-pw-xxl leading-none">%</span></div><div class="leading-[20px] md:leading-[24px]">On-time closing (40% industry avg)</div></div></div><div class="px-6 pb-8 pt-6 lg:pb-8 lg:pt-8 xl:px-16"><div class="whitespace-nowrap text-[56px] leading-[70px] lg:text-[80px] lg:leading-[88px]">$2k</div><div class="leading-[20px] md:leading-[24px]">Average savings with $0 lender fees</div></div></div></div><div class="grid lg:max-w-[calc(1440px/2)] lg:grid-cols-2"><div class="border-b border-r border-teal-3 px-6 pb-8 pt-6 lg:border-b-0 lg:pb-[70px] lg:pt-8 xl:px-16"><div class="whitespace-nowrap text-[56px] leading-[70px] lg:text-[80px] lg:leading-[88px]">5.0</div><div class="flex [&>svg]:mt-[2px]"><svg width="21" height="19" viewBox="0 0 21 19" fill="currentColor"><path d="M10.5 0L13.7093 6.08277L20.4861 7.25532L15.6928 12.1872L16.6717 18.9947L10.5 15.96L4.32825 18.9947L5.30723 12.1872L0.513906 7.25532L7.29069 6.08277L10.5 0Z"></path></svg><svg width="21" height="19" viewBox="0 0 21 19" fill="currentColor"><path d="M10.5 0L13.7093 6.08277L20.4861 7.25532L15.6928 12.1872L16.6717 18.9947L10.5 15.96L4.32825 18.9947L5.30723 12.1872L0.513906 7.25532L7.29069 6.08277L10.5 0Z"></path></svg><svg width="21" height="19" viewBox="0 0 21 19" fill="currentColor"><path d="M10.5 0L13.7093 6.08277L20.4861 7.25532L15.6928 12.1872L16.6717 18.9947L10.5 15.96L4.32825 18.9947L5.30723 12.1872L0.513906 7.25532L7.29069 6.08277L10.5 0Z"></path></svg><svg width="21" height="19" viewBox="0 0 21 19" fill="currentColor"><path d="M10.5 0L13.7093 6.08277L20.4861 7.25532L15.6928 12.1872L16.6717 18.9947L10.5 15.96L4.32825 18.9947L5.30723 12.1872L0.513906 7.25532L7.29069 6.08277L10.5 0Z"></path></svg><svg width="21" height="19" viewBox="0 0 21 19" fill="currentColor"><path d="M10.5 0L13.7093 6.08277L20.4861 7.25532L15.6928 12.1872L16.6717 18.9947L10.5 15.96L4.32825 18.9947L5.30723 12.1872L0.513906 7.25532L7.29069 6.08277L10.5 0Z"></path></svg></div><div class="mt-4">60+ customer reviews</div><div class="mt-4 text-teal-4 lg:mt-5"><img src="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/g951_5b00d2bb95.svg" alt="Zillow logo" loading="lazy"/></div></div><div class="px-6 pb-8 pt-6 lg:pb-[70px] lg:pt-8 xl:px-16"><div class="mb-10 lg:mb-0"><div class="whitespace-nowrap text-[56px] leading-[70px] lg:text-[80px] lg:leading-[88px]">4,900+</div><div class="leading-[20px] md:leading-[24px]">Homebuyers made happy</div></div><span class="track-click-event" role="none"><a class="LinkButton_link-btn__7Z2DQ LinkButton_secondary__AnXk9" href="/mortgage/app/preapproval">Get started</a></span></div></div></div></div><picture><source media="(max-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/large_Hero_Crop_1c29241961.webp"/><source media="(min-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/Hero_Crop_1c29241961.webp"/><img class="h-[436px] w-full object-cover md:h-[582px]" src="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/Hero_Crop_1c29241961.webp" alt="Children playing in a house in front of a fireplace" loading="lazy" height="868" width="1920"/></picture></section><section data-testid="reengineered-mortgage-module" class="bg-teal-2 text-white"><div class="border-b border-teal-1 p-6 md:p-0"><div class="mx-auto max-w-screen-2xl grid-cols-2 md:grid"><div class="ReEngineeredMortgage_gridBox__dBRI7 flex flex-col justify-center"><div><p class="text-5xl font-thin leading-tight">We’ve re-engineered the mortgage process to put you in control</p></div></div></div></div><div class="bg-teal-2 p-10 md:p-0"><section data-testid="carousel" class="ReEngineeredMortgage_carousel__UXj9W"><div class="Carousel_viewport__nHS3y w-full overflow-hidden"><div class="flex"><div class="relative min-h-full min-w-full"><div class="ReEngineeredMortgage_gridBox__dBRI7" data-testid="grid-box"><p class="clear-both mb-9 inline-block border-b-4 border-teal-3 pb-1 text-3lg">01</p><p class="mb-6 text-[38px] font-light leading-tight">Underwritten Pre-Approval</p><div class="mb-8 max-w-[453px] text-pw-lg"><p>(Almost) no paperwork. No waiting. No surprises. Skip the hassle of uploading docs and securely synch accounts to get your pre-approval.</p></div><a class="LinkButton_link-btn__7Z2DQ LinkButton_outlined__MtigR LinkButton_small__sWwt9 LinkButton_text-white__WwMjG LinkButton_border-coral5__PuNoD !inline-flex" aria-label="Learn more about Underwritten Pre-Approval" href="/mortgage/benefits-and-features#underwritten-preapproval">Learn more</a></div></div><div class="relative min-h-full min-w-full"><div class="ReEngineeredMortgage_gridBox__dBRI7" data-testid="grid-box"><p class="clear-both mb-9 inline-block border-b-4 border-teal-3 pb-1 text-3lg">02</p><p class="mb-6 text-[38px] font-light leading-tight">Price Match</p><div class="mb-8 max-w-[453px] text-pw-lg"><p>You can be confident you’re getting a great deal. Tomo Mortgage never charges lender fees, and if you find a better deal, we’ll match it.</p></div><a class="LinkButton_link-btn__7Z2DQ LinkButton_outlined__MtigR LinkButton_small__sWwt9 LinkButton_text-white__WwMjG LinkButton_border-coral5__PuNoD !inline-flex" aria-label="Learn more about Price Match" href="/mortgage/benefits-and-features#price-match">Learn more</a></div></div><div class="relative min-h-full min-w-full"><div class="ReEngineeredMortgage_gridBox__dBRI7" data-testid="grid-box"><p class="clear-both mb-9 inline-block border-b-4 border-teal-3 pb-1 text-3lg">03</p><p class="mb-6 text-[38px] font-light leading-tight">Close on Time</p><div class="mb-8 max-w-[453px] text-pw-lg"><p>Getting you into your house on time is our top priority. We close on time every time.</p></div><a class="LinkButton_link-btn__7Z2DQ LinkButton_outlined__MtigR LinkButton_small__sWwt9 LinkButton_text-white__WwMjG LinkButton_border-coral5__PuNoD !inline-flex" aria-label="Learn more about Close on Time" href="/mortgage/benefits-and-features#close-on-time">Learn more</a></div></div></div></div><div class="dot-navigation flex items-center justify-center md:justify-start" data-testid="dot-navigation"></div></section><a class="LinkButton_link-btn__7Z2DQ LinkButton_secondary__AnXk9 mt-10" href="/mortgage/app/preapproval">Get started</a></div></section><section data-testid="underwritten-pre-approval-section" class="bg-gray-100 pb-10 pt-16 md:py-16"><div class="module-container grid-cols-2 md:grid"><div class="flex flex-col items-start justify-center md:h-full"><p class="mb-16 max-w-[450px] text-5xl font-normal leading-tight">Adjust your application anytime, day or night.</p><div class="hidden md:block"><a class="LinkButton_link-btn__7Z2DQ LinkButton_primary___zLYG" href="/mortgage/app/preapproval">Get started</a></div></div><div class="flex justify-center"><div class="relative inline-block h-0 w-full max-w-[492px] overflow-hidden pb-[113%] align-middle lg:pb-[115%] xl:pb-[96%] 2xl:pb-[85%]"><svg viewBox="0 0 492 559" fill="none" preserveAspectRatio="xMinYMin meet" xmlns="http://www.w3.org/2000/svg" class="absolute left-0 top-0 inline-block"><g clip-path="url(#clip0_1059_8228)"><circle cx="245.5" cy="282.5" r="239.5" fill="#FFE4D9"></circle><rect x="125" y="109" width="236" height="444" rx="24" fill="#FAFAFA"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M234.02 136C229.615 136 226.02 139.595 226.02 144C226.02 148.405 229.615 152 234.02 152C238.426 152 242.02 148.405 242.02 144C242.02 139.595 238.426 136 234.02 136ZM234.02 148.203C231.708 148.203 229.818 146.312 229.818 144C229.818 141.688 231.708 139.797 234.02 139.797C236.333 139.797 238.223 141.688 238.223 144C238.206 146.312 236.333 148.203 234.02 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HomeCustomerQuoteCarousel_moduleContainer__gL_Dz"><div class="relative min-w-full overflow-hidden md:h-full md:min-w-0 HomeCustomerQuoteCarousel_hero__nSOFD"><div class="absolute inset-0 h-full w-full object-cover" style="opacity:0"><picture><source media="(max-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/large_Tomo_Kate_Seattle_9c5f1f4f36.webp"/><source media="(min-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/Tomo_Kate_Seattle_9c5f1f4f36.webp"/><img class="h-full w-full object-cover" src="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/Tomo_Kate_Seattle_9c5f1f4f36.webp" alt="Woman sitting on couch" loading="lazy" data-testid="hero-image"/></picture></div></div><div class="flex flex-col items-start justify-center px-6 md:px-8 lg:pl-16 lg:pr-10"><svg width="66" height="50" viewBox="0 0 66 50" fill="none" class="mb-8 mt-16 md:mt-0" aria-label="quote icon"><path 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60.4325 27.8332 62.3532 29.7539C64.4111 31.6745 65.44 34.4183 65.44 37.9853C65.44 41.4151 64.2053 44.2961 61.7358 46.6283C59.4036 48.8234 56.111 49.9209 51.8581 49.9209Z" fill="#EA5B50"></path></svg><section data-testid="carousel" class="w-full"><div class="Carousel_viewport__nHS3y w-full overflow-hidden"><div class="flex"><div class="relative min-h-full min-w-full mb-8 text-gray-1"><div class="mb-8 pr-8 text-3lg font-light leading-tight lg:pr-4"><p>As a first time homebuyer, I really liked how Tomo Mortgage walked me through the process. They were with me every step of the way. Tomo Mortgage was really responsive, had great rates, and closed on time.</p></div><p class="text-lg font-light">Kate P.</p><p class="font-light">Seattle, WA</p></div><div class="relative min-h-full min-w-full mb-8 text-gray-1"><div class="mb-8 pr-8 text-3lg font-light leading-tight lg:pr-4"><p>We loved working with Tomo Mortgage. They offered the best rates and were transparent by laying out the costs. Tomo Mortgage was so responsive—they would call and text after hours or on the weekend. Put it simply, Tomo Mortgage treated us with respect.</p></div><p class="text-lg font-light">Michelle & Constance B.</p><p class="font-light">Houston, TX</p></div><div class="relative min-h-full min-w-full mb-8 text-gray-1"><div class="mb-8 pr-8 text-3lg font-light leading-tight lg:pr-4"><p>Tomo Mortgage’s rates were great and they were also transparent—there were no hidden fees! The people at Tomo Mortgage were competent, professional, and personally engaged.</p></div><p class="text-lg font-light">Tim J.</p><p class="font-light">Houston, TX</p></div><div class="relative min-h-full min-w-full mb-8 text-gray-1"><div class="mb-8 pr-8 text-3lg font-light leading-tight lg:pr-4"><p>Tomo Mortgage made it so much easier than any other lender. Their rates are right there on their website, and that’s just the start. They told us up front what they needed from us, and that was it. There was no long drip of emails requesting more information.</p></div><p class="text-lg font-light">Casey D.</p><p class="font-light">Seattle, WA</p></div><div class="relative min-h-full min-w-full mb-8 text-gray-1"><div class="mb-8 pr-8 text-3lg font-light leading-tight lg:pr-4"><p>I interviewed a lot of lenders and Tomo Mortgage really stood out. They automated a lot of the process, and their speed definitely made a difference in getting my offer accepted. Plus their site is easy to use and actually fun to work in! I would definitely use Tomo Mortgage again.</p></div><p class="text-lg font-light">Devin H.</p><p class="font-light">Houston, TX</p></div></div></div><div class="dot-navigation flex items-center justify-center md:justify-start" data-testid="dot-navigation"></div></section><a class="LinkButton_link-btn__7Z2DQ LinkButton_primary___zLYG mb-8 mt-8 md:mb-0" href="/mortgage/app/preapproval">Get started</a></div></div></div><div data-testid="home-rates-module"><header class="module-container flex w-full flex-col items-start justify-between sm:flex-row"><div><h2 class="my-0 pb-4 pt-8 text-3lg md:pb-0 lg:pb-2 lg:pt-7 lg:text-pw-xxl">Today's rates</h2></div><div class="py-2s flex items-center text-lg text-teal-2 sm:py-4"><span class="inline-block Icon_icon__IcUiV h-6 w-6 text-teal-1 mr-3"><svg viewBox="0 0 24 24" role="none"><path fill-rule="evenodd" clip-rule="evenodd" d="m14.707 14.293 7 7-1.414 1.414-7-7 1.414-1.414z"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M10 4a6 6 0 1 0 0 12 6 6 0 0 0 0-12zm-8 6a8 8 0 1 1 16 0 8 8 0 0 1-16 0z"></path></svg></span></div></header><div data-testid="home-rates"><div class="my-4 w-full p-1 text-left"><div class="mt-2 bg-tomo-white"><div class="module-container flex"><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="text-sm font-medium text-tomo-black">RATE</div><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] Skeleton_skeleton__8Egpm"></div><div class="text-md">%</div></div></div></div><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="text-sm font-medium text-tomo-black">APR</div><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] Skeleton_skeleton__8Egpm"></div><div class="text-md">%</div></div></div></div><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] mb-[5px] Skeleton_skeleton__8Egpm"></div></div></div></div></div></div><div class="mt-2 bg-tomo-white"><div class="module-container flex"><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="text-sm font-medium text-tomo-black">RATE</div><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] Skeleton_skeleton__8Egpm"></div><div class="text-md">%</div></div></div></div><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="text-sm font-medium text-tomo-black">APR</div><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] Skeleton_skeleton__8Egpm"></div><div class="text-md">%</div></div></div></div><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] mb-[5px] Skeleton_skeleton__8Egpm"></div></div></div></div></div></div><div class="mt-2 bg-tomo-white"><div class="module-container flex"><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="text-sm font-medium text-tomo-black">RATE</div><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] Skeleton_skeleton__8Egpm"></div><div class="text-md">%</div></div></div></div><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="text-sm font-medium text-tomo-black">APR</div><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] Skeleton_skeleton__8Egpm"></div><div class="text-md">%</div></div></div></div><div class="flex w-1/3 py-4"><div class="flex flex-col justify-end"><div class="flex items-baseline py-4 text-pw-lg font-normal text-teal-1 mobile:text-[32px] sm:text-[40px]"><div data-testid="skeleton" style="width:79px;height:31px;border-radius:4px" class="mr-2 mt-[18px] mb-[5px] Skeleton_skeleton__8Egpm"></div></div></div></div></div></div></div></div><div class="module-container mt-8 md:flex md:items-center"><a class="LinkButton_link-btn__7Z2DQ LinkButton_outlined__MtigR" aria-label="Rates" href="/mortgage/rates">See what's possible</a><div class="mt-2 text-center text-headline font-normal text-gray-1 md:pl-4 md:text-lg">with our rate calculator</div></div><div class="module-container my-10"><p class="text-sm font-normal leading-loose text-gray-700">This is not a commitment to lend. Rates shown here are for a 30-year fixed mortgage on a $600,000 single-family home, with a 20% down payment, a borrower income of $60,000, and a credit score of 759. Rates may vary based on additional factors. Our Loan Advisors will assist you in evaluating all available loan products and choosing the correct loan.</p></div></div><section class="bg-teal-1"><div class="module-container m-auto max-w-screen-2xl pb-12 pt-16 text-gray-75 md:grid md:grid-cols-2 md:gap-4 md:py-16"><header><h2 class="mb-6 mt-0 text-5xl font-normal leading-[52px]">How much house can I afford?</h2></header><div><div class="mb-8 text-3lg leading-[32px]"><p>Understand what home price range makes the most sense for your budget and income.</p></div><a class="LinkButton_link-btn__7Z2DQ LinkButton_outlined__MtigR LinkButton_text-white__WwMjG LinkButton_background-transparent__EtQW_ LinkButton_border-teal3__cPnaU md:inline-block" aria-label="Affordability calculator" href="/mortgage/app/preapproval">See what I can afford</a></div></div><picture><source media="(max-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/large_119_Tomo_Kate_Seattle_42ec4c5bbf.webp"/><source media="(min-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/119_Tomo_Kate_Seattle_42ec4c5bbf.webp"/><img class="h-[403px] w-full object-cover" src="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/119_Tomo_Kate_Seattle_42ec4c5bbf.webp" alt="woman watering flowers" loading="lazy" height="1227" width="1920"/></picture></section><div class="module-container font-normal"><header><h2 class="text-displayS pt-10">FAQ</h2></header><div data-orientation="vertical"><div data-state="closed" data-orientation="vertical"><button type="button" aria-controls="radix-:R4l6l5m:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:Rl6l5m:" class="FaqAccordion_faq-border__Hd3OQ FaqAccordion_faq-question-container__t8gy_" data-radix-collection-item=""><div class="flex w-full flex-row items-center justify-between text-left text-3lg text-teal-1" role="none"><div>What states does Tomo Mortgage operate in?</div><span class="inline-block Icon_icon__IcUiV h-6 w-6 text-teal-1 rotate-0 ml-4 text-teal-2" data-testid="question-caret-icon"><svg viewBox="0 0 24 24" role="none"><path fill-rule="evenodd" clip-rule="evenodd" d="m2 8.436 9.362 8.321a.96.96 0 0 0 1.276 0L22 8.436 20.724 7 12 14.755 3.276 7 2 8.436z"></path></svg></span></div></button><div data-state="closed" id="radix-:R4l6l5m:" hidden="" role="region" aria-labelledby="radix-:Rl6l5m:" data-orientation="vertical" class="FaqAccordion_faq-border__Hd3OQ" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical"><button type="button" aria-controls="radix-:R556l5m:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:R156l5m:" class="FaqAccordion_faq-border__Hd3OQ FaqAccordion_faq-question-container__t8gy_" data-radix-collection-item=""><div class="flex w-full flex-row items-center justify-between text-left text-3lg text-teal-1" role="none"><div>What types of loans does Tomo Mortgage offer?</div><span class="inline-block Icon_icon__IcUiV h-6 w-6 text-teal-1 rotate-0 ml-4 text-teal-2" data-testid="question-caret-icon"><svg viewBox="0 0 24 24" role="none"><path fill-rule="evenodd" clip-rule="evenodd" d="m2 8.436 9.362 8.321a.96.96 0 0 0 1.276 0L22 8.436 20.724 7 12 14.755 3.276 7 2 8.436z"></path></svg></span></div></button><div data-state="closed" id="radix-:R556l5m:" hidden="" role="region" aria-labelledby="radix-:R156l5m:" data-orientation="vertical" class="FaqAccordion_faq-border__Hd3OQ" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical"><button type="button" aria-controls="radix-:R5l6l5m:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:R1l6l5m:" class="FaqAccordion_faq-border__Hd3OQ FaqAccordion_faq-question-container__t8gy_" data-radix-collection-item=""><div class="flex w-full flex-row items-center justify-between text-left text-3lg text-teal-1" role="none"><div>What kinds of customers can Tomo Mortgage support?</div><span class="inline-block Icon_icon__IcUiV h-6 w-6 text-teal-1 rotate-0 ml-4 text-teal-2" data-testid="question-caret-icon"><svg viewBox="0 0 24 24" role="none"><path fill-rule="evenodd" clip-rule="evenodd" d="m2 8.436 9.362 8.321a.96.96 0 0 0 1.276 0L22 8.436 20.724 7 12 14.755 3.276 7 2 8.436z"></path></svg></span></div></button><div data-state="closed" id="radix-:R5l6l5m:" hidden="" role="region" aria-labelledby="radix-:R1l6l5m:" data-orientation="vertical" class="FaqAccordion_faq-border__Hd3OQ" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical"><button type="button" aria-controls="radix-:R656l5m:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:R256l5m:" class="FaqAccordion_faq-border__Hd3OQ FaqAccordion_faq-question-container__t8gy_" data-radix-collection-item=""><div class="flex w-full flex-row items-center justify-between text-left text-3lg text-teal-1" role="none"><div>What is Tomo Mortgage's minimum down payment?</div><span class="inline-block Icon_icon__IcUiV h-6 w-6 text-teal-1 rotate-0 ml-4 text-teal-2" data-testid="question-caret-icon"><svg viewBox="0 0 24 24" role="none"><path fill-rule="evenodd" clip-rule="evenodd" d="m2 8.436 9.362 8.321a.96.96 0 0 0 1.276 0L22 8.436 20.724 7 12 14.755 3.276 7 2 8.436z"></path></svg></span></div></button><div data-state="closed" id="radix-:R656l5m:" hidden="" role="region" aria-labelledby="radix-:R256l5m:" data-orientation="vertical" class="FaqAccordion_faq-border__Hd3OQ" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical"><button type="button" aria-controls="radix-:R6l6l5m:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:R2l6l5m:" class="FaqAccordion_faq-border__Hd3OQ FaqAccordion_faq-question-container__t8gy_" data-radix-collection-item=""><div class="flex w-full flex-row items-center justify-between text-left text-3lg text-teal-1" role="none"><div>How can I protect myself from rising interest rates?</div><span class="inline-block Icon_icon__IcUiV h-6 w-6 text-teal-1 rotate-0 ml-4 text-teal-2" data-testid="question-caret-icon"><svg viewBox="0 0 24 24" role="none"><path fill-rule="evenodd" clip-rule="evenodd" d="m2 8.436 9.362 8.321a.96.96 0 0 0 1.276 0L22 8.436 20.724 7 12 14.755 3.276 7 2 8.436z"></path></svg></span></div></button><div data-state="closed" id="radix-:R6l6l5m:" hidden="" role="region" aria-labelledby="radix-:R2l6l5m:" data-orientation="vertical" class="FaqAccordion_faq-border__Hd3OQ" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"></div></div><div data-state="closed" data-orientation="vertical"><button type="button" aria-controls="radix-:R756l5m:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:R356l5m:" class="FaqAccordion_faq-border__Hd3OQ FaqAccordion_faq-question-container__t8gy_" data-radix-collection-item=""><div class="flex w-full flex-row items-center justify-between text-left text-3lg text-teal-1" role="none"><div>How can I get in touch with Tomo Mortgage?</div><span class="inline-block Icon_icon__IcUiV h-6 w-6 text-teal-1 rotate-0 ml-4 text-teal-2" data-testid="question-caret-icon"><svg viewBox="0 0 24 24" role="none"><path fill-rule="evenodd" clip-rule="evenodd" d="m2 8.436 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12 14.755 3.276 7 2 8.436z"></path></svg></span></div></a></div></div><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","encodingFormat":"text/markdown","name":"What states does Tomo Mortgage operate in?","acceptedAnswer":{"@type":"Answer","text":"Tomo Mortgage currently operates in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin."}},{"@type":"Question","encodingFormat":"text/markdown","name":"What types of loans does Tomo Mortgage offer?","acceptedAnswer":{"@type":"Answer","text":"Tomo Mortgage currently offers Conventional, Jumbo, FHA, and VA loans. Our loans can be 15- or 30-year fixed rate terms and 5-, 7-, and 10-year ARMs, and they start at a minimum loan value of $75,000. We can do loans for single family houses, townhomes, condos, manufactured homes, and 2-4 unit buildings and for primary residences, second homes, and investment properties. We don’t currently offer loans for mobile homes, construction-only, or co-ops."}},{"@type":"Question","encodingFormat":"text/markdown","name":"What kinds of customers can Tomo Mortgage support?","acceptedAnswer":{"@type":"Answer","text":"Lots of kinds. We support all customers with a credit score above 580. Great singing voice is always a bonus.\n\nIf you don’t have a Social Security Number, give us a call at (737) 510-2523.\n"}},{"@type":"Question","encodingFormat":"text/markdown","name":"What is Tomo Mortgage's minimum down payment?","acceptedAnswer":{"@type":"Answer","text":"Our minimum down payment varies by loan type (e.g., conventional, FHA, VA), property type (e.g., single family), planned property use (e.g., primary residence, vacation home), and credit score. Check around, and you’ll see that it’s really low. For example, our VA loans start at 0% down payment, our conventional loans start at 3% down payment, and our FHA loans start at 3.5% down payment."}},{"@type":"Question","encodingFormat":"text/markdown","name":"How can I protect myself from rising interest rates?","acceptedAnswer":{"@type":"Answer","text":"Unlike most lenders, Tomo Mortgage will let you lock a rate before you’ve found the home you want to buy. You can lock the rate in for 90 or 120 days. If rates go up during that time, no problem, yours is protected. If they happen to fall, you’re still good, there’s a one-time rate adjustment option once you have an accepted offer on a home. See our full terms and conditions [here](https://tomo.com/mortgage/terms)."}},{"@type":"Question","encodingFormat":"text/markdown","name":"How can I get in touch with Tomo Mortgage?","acceptedAnswer":{"@type":"Answer","text":"Text, email, or call us any day of the week. Our weekday hours are from 8AM-8PM CST, Saturdays from 9AM-3PM CST, and Sundays from 11AM-5PM CST. We are closed on New Year’s Day, Martin Luther King Jr Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Veteran’s Day, Thanksgiving Day, and Christmas Day. If you need us on Halloween, we’ll be there, likely wearing a costume. We are literally standing by all the time during business hours, waiting to get you the help you need. No phone trees, no voice mail boxes, just direct access to experts. You’ll never hear an IVR when you call us."}}]}</script></div><div data-testid="home-still-have-questions-module" class="text-white"><div class="bg-coral-2 pb-10 pt-16 md:py-16"><div class="module-container"><div class="justify-between md:flex"><h2 class="my-0 mr-4 text-5xl font-light">Still have questions?</h2><div class="flex items-center pt-24 md:pt-0"><svg aria-label="phone icon" width="24" height="41" fill="currentColor" xmlns="http://www.w3.org/2000/svg" class="mr-4"><path d="M19.5.611a4.5 4.5 0 0 1 4.5 4.5v31a4.5 4.5 0 0 1-4.5 4.5h-15a4.5 4.5 0 0 1-4.5-4.5v-31a4.5 4.5 0 0 1 4.5-4.5h15Zm0 3h-15a1.5 1.5 0 0 0-1.5 1.5v31a1.5 1.5 0 0 0 1.5 1.5h15a1.5 1.5 0 0 0 1.5-1.5v-31a1.5 1.5 0 0 0-1.5-1.5Zm-5.002 28a1.5 1.5 0 1 1 .004 3l-5 .008a1.5 1.5 0 1 1-.004-3l5-.008Z"></path></svg><div class="text-lg"><p>Call or text us</p><p class="font-medium">(737) 510-2523</p><p></p></div></div></div><div class="mt-6 md:hidden"><a href="tel:(737) 510-2523" class="LinkButton_link-btn__7Z2DQ LinkButton_secondary__AnXk9 mt-3" aria-label="Call us" color="primary">Call us</a><a href="sms:(737) 510-2523" class="LinkButton_link-btn__7Z2DQ LinkButton_secondary__AnXk9 mt-3" color="primary">Text us</a></div></div></div><picture><source media="(max-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/large_Houston_Family_1_c2b5fd5cb4.webp"/><source media="(min-width: 1024px)" srcSet="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/Houston_Family_1_c2b5fd5cb4.webp"/><img class="h-[440px] w-full object-cover md:h-[715px]" src="https://tomo-production-strapi-assets.s3.us-west-2.amazonaws.com/uploads/Houston_Family_1_c2b5fd5cb4.webp" alt="woman playing with kids" loading="lazy" height="1381" width="1920"/></picture></div><div class="bg-cream pb-10 pt-16 text-teal-1 md:py-16" data-testid="home-joy-module"><div class="module-container"><div class="mb-16 text-5xl leading-[53px] md:text-[80px] md:leading-[88px]"><p>The joy of owning a home should never be overshadowed by the hassle of buying one.</p></div><a class="LinkButton_link-btn__7Z2DQ LinkButton_primary___zLYG mt-3" href="/mortgage/app/preapproval">Get started</a></div></div></main><footer><div class="module-container mb-10 mt-16 font-normal"><div class="Footer_links-container__7tNr_ grid grid-flow-row md:grid-flow-col md:grid-cols-3"><div><svg aria-label="Tomo Mortgage logo" fill="none" height="46" role="img" viewBox="0 0 91 46" width="91" xmlns="http://www.w3.org/2000/svg"><path fill="#FB7564" d="M21.786 3.588V8.79a1.168 1.168 0 0 1-1.168 1.168h-3.002a1.155 1.155 0 0 1-1.154-1.168v-2.2a.706.706 0 0 0-.707-.707h-1.507a.692.692 0 0 0-.693.706V19.37a1.181 1.181 0 0 1-1.168 1.168H9.399A1.168 1.168 0 0 1 8.23 19.37V6.59a.706.706 0 0 0-.706-.707H6.017a.693.693 0 0 0-.693.706v2.2a1.168 1.168 0 0 1-1.168 1.169H1.168A1.155 1.155 0 0 1 0 8.79V3.588a2.173 2.173 0 0 1 2.173-2.173H19.6a2.173 2.173 0 0 1 2.187 2.173ZM58.66 8.627h-2.988a1.168 1.168 0 0 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href="/mortgage/about-us">About us</a></li><li><a class="hyperlink interactive-outline focus-visible:rounded-md navBarDropdownText" aria-label="Press" href="/mortgage/press">Press</a></li></ul></div><div><ul><li><a class="hyperlink interactive-outline focus-visible:rounded-md navBarDropdownText" aria-label="Privacy" href="/mortgage/privacy-policy">Privacy</a></li><li><a class="hyperlink interactive-outline focus-visible:rounded-md navBarDropdownText" aria-label="Terms" href="/mortgage/terms">Terms</a></li><li><a class="hyperlink interactive-outline focus-visible:rounded-md navBarDropdownText" aria-label="Licenses & disclosures" href="/mortgage/licenses-and-disclosures">Licenses & disclosures</a></li><li><a class="hyperlink interactive-outline focus-visible:rounded-md navBarDropdownText" aria-label="Affordability calculator" href="/mortgage/affordability">Affordability calculator</a></li><li><a class="hyperlink interactive-outline focus-visible:rounded-md navBarDropdownText" aria-label="Homebuying guide" href="/mortgage/homebuying-guide">Homebuying guide</a></li></ul></div></div></div><div class="mb-[60px] mt-2 border-t border-gray-3 sm:mb-16 sm:mt-9" role="presentation"></div><div class="module-container font-normal"><div>Tomo Mortgage, LLC<br/>2200 Atlantic Street, 5th Floor, Stamford, CT 06902<div class="mt-10 text-gray-1">Seattle, WA • Stamford, CT<a class="hyperlink interactive-outline focus-visible:rounded-md navBarDropdownText" target="_blank" rel="noreferrer" href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2059741"><span class="track-click-event" role="none">NMLS #2059741. View the Tomo Mortgage NMLS consumer access page.</span></a></div><div class="my-10 text-gray-1"> <!-- -->© <!-- -->2025<!-- --> Tomo Mortgage</div><img src="/mortgage/footer-ehl.png" alt="Equal Housing Lender logo" width="54" height="60" class="lg:col-start-1 lg:row-start-2" loading="lazy"/></div></div></footer></div></div><script id="setup-gtag" class="jsx-607398172"> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments)} gtag('js', new Date()); gtag('config', 'AW-395698212'); </script></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"homePageContent":{"id":1,"published_at":"2021-05-24T13:27:52.907Z","created_at":"2021-05-24T13:27:51.339Z","updated_at":"2023-02-20T22:17:41.252Z","intro_blocks":[{"__component":"shared.intro-paragraph","id":1,"paragraph_heading":"Great rates. Guaranteed.","paragraph_content":"We’re committed to giving you a great rate and no lender fees. And if you find a better deal, we’ll match it. 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