Tomo MortgageReviews of hellotomo.com

EDIT: Just called again to ask to be removed from their list and they refused to confirm my removal and were sarcastic to me on the phone. This company is a joke. _______ I told this lender I was not interested in their services yet still receive robo calls multiple times a day about my application for months now. In the application they specifically stated they would not call my like this. This should be illegal.

Tomo representative delayed closing because he claimed a 3 day waiting period that is NOT what the disclosure requirement calls for. He was either lying or making an excuse, or he didn't understand the regulation. Closing disclosure WAS provided 3 days in advance, closing should have been able to proceed. What if our lease was up and we were homeless this weekend. UNACCEPTABLE!

I received a pre-qualification and was assured I was good. It's time to make offers and when I pressed more because I keep being told "it's fine, it's good" but very nonchalant he looked again. He accused me of buying something. No I did not. He didn't see my car payments the first check. It's his job to ask, to look, to know and be certain. So what I was approved for is now unobtainable. So I asked him what I can be approved for with the equity I have and he says "probably $350,000". Probably is not good business. I began working with him over a month ago. This is ridiculous.

My experience with Tomo Mortgage Service was incredibly frustrating. While the process started with promises of transparency and good communication, things quickly changed once we were locked in. One of the biggest issues was the lack of communication and transparency, which ultimately cost me an additional $1,000 in lender fees. Due to a delay on the seller’s side, I had to extend the closing date. Without any warning, Tomo extended my rate lock and charged me $1,000 for it. Had this charge been communicated upfront, I could have potentially negotiated with the seller to cover the cost. This lack of clarity made the situation feel unfair, despite Tomo's claims of "no fees." The overall communication from Aaron, Evelyn, and Sarah was also very poor. I had to constantly chase them for updates, with emails going unanswered for days. There was no sense of urgency or accountability, and the process was filled with unnecessary delays and last-minute surprises. On top of that, I found myself resubmitting the same documents multiple times, which pointed to a lack of attention to detail. While I can't say whether I would recommend Tomo to others or not, I can share that my experience was far from smooth. If you're considering working with Tomo, I hope my experience helps inform your decision.

They send too many emails asking for reviews.