Tips, trends and insights for homebuyers like you.
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![How FHFA Could Lower Mortgage Rates in 2025: A Look at GSE MBS Purchases]()
How FHFA Could Lower Mortgage Rates in 2025: A Look at GSE MBS Purchases
Background A scenario we are prepping for at Tomo is the event of Fannie Mae and Freddie Mac (the GSEs) stepping into the market to buy Mortgage Backed Securities, causing a sudden drop in mortgage rates this year, in 2025. Such a move could result in a drop in mortgage rates by as much as… Read more
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![2025 mortgage interest rate forecast]()
2025 mortgage interest rate forecast
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for 2024. Read more
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![2025 Mortgage Review: Directors Mortgage]()
2025 Mortgage Review: Directors Mortgage
Directors Mortgage is kind of like that local coffee shop that’s super into being “your neighborhood spot.” They mostly stick to Oregon, Washington, and Idaho, offering… Read more
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![2025 Mortgage Review: United Mortgage Corp]()
2025 Mortgage Review: United Mortgage Corp
United Mortgage Corp has struggled to provide affordable home financing, instead charging significantly higher interest rates than other lenders for the past two years. As a… Read more
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![2025 Mortgage Review: Oregon State Credit Union]()
2025 Mortgage Review: Oregon State Credit Union
Oregon State Credit Union offers a variety of mortgage products with a focus on helping members achieve their homeownership dreams. They mix local expertise with personalized… Read more
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![2025 Mortgage Review: Essex Mortgage]()
2025 Mortgage Review: Essex Mortgage
Essex Mortgage, officially named Data Mortgage, is a privately held mortgage lender headquartered in Ocala, Florida, with additional branch locations in California, Arizona, and Nevada. Established… Read more
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![2025 Mortgage Review: Bank Independent]()
2025 Mortgage Review: Bank Independent
Headquartered in Sheffield, Alabama, Bank Independent serves communities throughout northern Alabama with a range of financial services. While it prides itself on personalized banking solutions, borrowers… Read more
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![2025 Mortgage Review: First Alliance Home Mortgage]()
2025 Mortgage Review: First Alliance Home Mortgage
First Alliance Home Mortgage is a regional lender serving the East Coast. They offer a range of mortgage options, including conventional and government-backed loans. They aim… Read more
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![2025 Mortgage Review: Nationwide Mortgage Bankers]()
2025 Mortgage Review: Nationwide Mortgage Bankers
Nationwide Mortgage Bankers might sound like a lender with broad national appeal, but its mortgage rates have been anything but competitive. For the last two years,… Read more
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![2025 Mortgage Review: Wallick & Volk]()
2025 Mortgage Review: Wallick & Volk
Wallick & Volk may be one of the oldest mortgage lenders in the U.S., but its outdated practices have led to consistently high interest rates. Over… Read more
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![2025 Mortgage Review: Union Home Mortgage]()
2025 Mortgage Review: Union Home Mortgage
Union Home Mortgage is an employee-owned lender out of Ohio, but they’ve got a national reach. They cover a wide range of mortgage needs, from buying… Read more
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![2025 Mortgage Review: American Bancshares Mortgage]()
2025 Mortgage Review: American Bancshares Mortgage
American Bancshares Mortgage is a national lender that offers a mix of residential loan products. They provide conventional, FHA, VA, and USDA loans and aim to… Read more
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![2025 Mortgage Review: Top Flite Home Loans]()
2025 Mortgage Review: Top Flite Home Loans
Total Mortgage has been anything but a total package for borrowers looking for competitive home loans. Over the past two years, its mortgage rates have consistently… Read more
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![2025 Mortgage Review: Total Mortgage]()
2025 Mortgage Review: Total Mortgage
Total Mortgage has been anything but a total package for borrowers looking for competitive home loans. Over the past two years, its mortgage rates have consistently… Read more
