Tomo — STR, DSCR, and Conventional Loans in 36 states including California, Florida, and Texas

About Tomo

NMLS #2059741. A digital mortgage company for the modern investor, with no lender fees. Our Conventional Investor Program has common sense underwriting, saving investors 0.5%-1% in interest vs. the competition. We can close in 15-days for fast-moving deals and have a 98% on time close rate.

Key facts

Who

Tomo, lender specializing in STR, DSCR, and Conventional loan programs for Airbnb investors.

Loan types

STR • DSCR • Conventional

Loan purposes

Purchase

Licensed states

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), District of Columbia (DC), Florida (FL), Georgia (GA), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maryland (MD), Michigan (MI), Minnesota (MN), Nebraska (NE), New Jersey (NJ), North Carolina (NC), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), and Wyoming (WY)

Proof

5.0★ (5 recommendations)

Languages

English

Contact

Contact on Rabbu

Source

Profile

1. Great experience working with the Tomo team.

   My Loan Adviser AJ was absolutely wonderful! Team is very knowledgeable and friendly. Having guidance along with great communication throughout the process made my experience a lot less stressful! Would absolutely recommend Tomo to anyone looking to purchase a new home!

2. I had amazing experience working with Tomo Mortgage.

   Michael, load adviser that worked with me, was transparent and very helpful from the beginning. Of course, initially I had my doubts because it's an online company but my experience was stellar - they approved my loan 11 days before closing, kept me informed every step of the way and I was really comfortable reaching out to them whenever I had questions. They most likely will sell your loan to another servicer (just in case it's important for you). I recommend 100%.

3. Our senior loan advisor, Kate, and her team were wonderful to work with throughout the home buying process.

   Kate was open and honest about interest rates, patiently answered our questions, and addressed our concerns. The team guided us through every step, making the process smooth, stress-free, and convenient. Their professionalism, communication, and support made closing on our home a great experience. We highly recommend Tomo Mortgage to anyone looking for a knowledgeable, trustworthy, and dedicated mortgage team.

4. My wife and I used Tomo Mortgage to purchase our 2/2 beachfront condo in Florida a few months ago.

   At the time our credit score was over 860, however other lenders did not want to attempt to help us with a Florida condo. Tomo Mortgage took us on and made the purchase smooth and painless! I am a real estate broker and have purchased and sold many homes throught the years, and this condo was the absolute easiest purchase we have ever made. I will definitely be reaching back out to Tomo when I am ready to purchase my next beach condo!

5. Tom Mortgage is truly customer-friendly and provides excellent service throughout the entire loan process.

   I recently closed on an investment property, and the experience was smooth and stress-free from start to finish. John was incredibly helpful and professional. He guided me through every step, answered all my questions promptly, and ensured everything was completed without any delays. His dedication, communication, and attention to detail made the process much easier than I expected. I highly recommend Tom Mortgage to anyone looking for a reliable and efficient mortgage company. Their commitment to customer satisfaction and outstanding support sets them apart. Thank you, John and the Tom Mortgage team, for making my investment property closing a great experience!

FAQs

• What types of loans does Tomo offer?

  Tomo offers financing options tailored for real estate investors, including STR, DSCR, and Conventional loan programs. These loans are designed to help investors purchase income-producing properties such as Airbnbs and vacation rentals.

• What can I use these loans for?

  You can work with Tomo to finance a property purchase. Each option is built to support short-term rental or investment property strategies.

• Where does Tomo operate?

  Tomo is licensed to provide loan products in 36 states including California, Florida, and Texas.

• Why work with a Rabbu lender?

  Rabbu lenders specialize in financing short-term rental and vacation rental properties. They understand STR income, DSCR qualification, and how to underwrite loans based on Airbnb performance data — making the process faster and more investor-friendly.

• How can I contact Tomo?

  You can reach out directly through their Rabbu profile to discuss your financing goals. Simply fill out the contact form to get matched with a loan expert for your next STR investment.