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. 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%.

2. ⭐⭐⭐⭐⭐ Exceptional Experience from Start to Finish!

   I had an absolutely fantastic experience working with Tomo Mortgage for my recent home purchase. From day one, the team was incredibly proactive, professional, and organized, making what is usually a stressful process feel completely seamless. A huge shoutout to AJ Hitchens and Victoria, who kept me informed every step of the way and made sure everything was clear to close well ahead of schedule. Their communication was top-notch, and they coordinated beautifully with my closing agent to ensure a flawless signing day. If you are looking for a mortgage lender that delivers on their promises with great rates, speed, and outstanding customer service, I highly recommend Tomo Mortgage!

3. I had an excellent experience with Tomo Mortgage.

   They offered me the best interest rate compared to every other lender I considered, and the process was smooth from start to finish. Some other companies told me I would only be interacting with AI after locking my rate, but it was all lie and I got great human support all through the process. A special thanks to Peter Grant, who was incredibly responsive, and always available whenever I had questions. He made the entire process smooth. I highly recommend Tomo Mortgage to anyone looking for competitive rate and a supportive loan 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. I’d like to sincerely thank Tomo for being an exceptional company throughout our home-buying journey.

   Sean and Jasmine were truly outstanding—they went above and beyond to make the entire process feel seamless and stress-free. Their responsiveness, professionalism, and willingness to answer every question we had made all the difference. Choosing Tomo as our lender was one of the best decisions we made, and I’m incredibly grateful for the experience they provided. Thank you all once again for your dedication and support!

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.