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Great rates on second and vacation homes

$0 origination fees

100% transparent pricing

Rated Best Online Lender 2025 by Bankrate

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Why homebuyers love Tomo Mortgage

Lower rates

Our interest rates on 30-year fixed conventional mortgages are 0.48% lower than other lenders, saving the typical home buyer over $5,000.

No headaches

AI-powered 15- and 30-year mortgages for second homes mean we're faster, less frustrating, and way less expensive than other lenders.

No extra fees

Other lenders charge up to 1% of the home price—for no reason. We don't, saving vacation home buyers thousands at closing.

Low rates on second homes and vacation properties

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Hear from our
happy homebuyers

Best lender you can ever find

I compared over 20 diff lenders and Tomo offered the best rate with zero fee. I have been recommending tomo to everyone i know ever i since they helped me with my loan last month.

Sean Shin

1st Time Homebuyer - Best Rates & Exceptional Service

My wife and I are very pleased that we used Tomo as first time homebuyers especially in the midst of a highly volatile market. Plus, they even helped us close in 18 days without a hitch

Daniel K.

On time, good communication, very proactive, highly recommend them

From pre-approval, to closing, Tomo went beyond for every step of the way. One of the best experiences I had.

James M.

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