Tips, trends and insights for homebuyers like you.
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What is Private Mortgage Insurance (PMI)?
Private mortgage insurance (PMI) is a policy your lender requires when you put down less than 20% on a conventional loan. It protects the lender if you stop making payments. PMI typically costs between 0.46% and 1.5% of your loan amount per year. It’s not permanent, you can request that your loan servicer cancel PMI… Read more
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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 2025. Read more
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2025 Mortgage Review: Optimum First Mortgage
If you’re evaluating Optimum First Mortgage, here’s an objective comparison based on publicly available data, third-party evaluations, and borrower feedback. Optimum First Mortgage vs. Tomo Mortgage… Read more
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Best Mortgage Lenders in California—Backed by Data
How we picked Data-driven picks for California buyers California’s real estate market moves fast—and costs a fortune. Whether you’re buying in the Bay Area, Los Angeles,… Read more
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Best Mortgage Lenders in Arkansas—Backed by Data
How we picked Data-driven picks for Arkansas buyers Buying a home in Arkansas means navigating a market that ranges from Little Rock’s historic charm to growth… Read more
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Best Mortgage Lenders in Alabama—Backed by Data
How we picked Data-driven picks for Alabama buyers From fast-growing cities like Huntsville to quiet rural towns, Alabama’s mix of historic homes, new builds, and low… Read more
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Tomo Leadership Team
Tomo Mortgage is guided by an experienced team of leaders who have built and scaled some of the world’s most successful technology, finance, and real estate… Read more
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Facts About Saving vs. Spending in America
Buying a home isn’t just about finding the right place—it’s about feeling ready financially. And that’s not easy right now. Saving is tough for nearly everyone,… Read more
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Best Mortgage Lenders in Washington—Backed by Data
Best Mortgage Lenders in Washington Data-backed picks using 2024 closed-loan pricing (30-year fixed, conventional, primary residence). How we picked Data-driven picks for Washington buyers Buying a… Read more
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3 Expenses People Forget When They Buy a House
When you’re budgeting for a home, it’s easy to focus on the down payment and monthly mortgage–ensuring you get the lowest mortgage rate is undoubtedly crucial.… Read more
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How to Set Savings Goals
Saving for a down payment feels impossible until you put real numbers to it. The truth is, it’s just math: figure out how much you’ll need,… Read more
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Easy Ways to Save Money Today
If your housing costs feel like they’re eating half your paycheck, you don’t have to wait until next month’s budget reset to do something about it.… Read more
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Steps to Building an Emergency Fund
Buying a home is exciting—but if you’re still shopping, it’s also one of the biggest financial transitions you’ll ever make. Lenders look not only at your… Read more
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4 Things to Do Before Buying a Home
Buying a home isn’t just about scrolling listings. If you want the process to feel smoother—and avoid surprises—there are a few smart steps to take before… Read more