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. We had a great experience working with Tomo Mortgage on our home purchase.

   As first-time homebuyers, we had many questions and a tight closing timeline, but Jack, Kevin, and Brittney were responsive, patient, and helpful throughout the process. They kept things moving, explained what was needed, and worked hard to help us close successfully. We really appreciate their support and would gladly recommend Tomo Mortgage and their team.

2. 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!

3. We had an excellent experience with Tomo Mortgage and would highly recommend this company and team.

   Irena Liu, Eddie McDonald, and Cecilia Rosales-Perez were fantastic throughout the entire process. They were responsive, knowledgeable, solution- and detail-oriented, efficient, and transparent from start to finish. They kept us informed, helped us navigate every step clearly, and ultimately delivered exactly what we needed by closing our mortgage successfully and ahead of schedule. We thank each of them and we are very grateful for their kindness, support, and professionalism.

4. 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!

5. I had an excellent experience with Tomo Mortgage.

   Sean and Forrest were incredibly helpful throughout the process and even got me to close a few days early so I could move over the weekend, which made a huge difference. I shopped around with multiple lenders, and Tomo had the best overall cost to originate the loan and the best interest rate. The process was smooth, transparent, and efficient from start to finish. Highly recommend working with this team.

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.