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. Tomo was upfront and honest from day one.

   Initially, our mortgage rep, Alexander Knowles, said that he couldn't beat the first rate we received from a competitor. A few weeks past and he reached out again. Rates did change and we were able to fit a mortgage that met our needs perfectly. Tomo also came through with our 30-day closing date. I highly recommend Tomo.

2. I used Tomo to refinance my home.

   I shopped around and was able to get the best rate with Tomo. I mostly dealt with Peter. He gave me clear directions and was informative every step of the way. We closed on the house quickly. Now my brother-in-law wants to refinance and he doesn't need to shop around. I already did that and found the best place.

3. We found Tomo mortgage based on web search and ended up finding a hidden gem.

   I am aware of that Tomo is relatively new company, but given their transparency real time mortgage rate available to public, no hidden fees and being well responsive to our questions and need made a huge difference. All staffs have been great and the process was also fast. They are hard working people and easy to work with. I strongly recommend tomo mortgage for transparency, best rate on the market, and reliability. The only thing I wish they can improve in near future is that having access to auto mortgage payment. Other than that, I was very happy with Tomo Mortgage. Special thanks to Craig- loan officer, and Kevin for preparing all documents.

4. Looking back, Tomo excelled at providing a seamless, team-oriented experience that removed all the typical stress of home buying.

   Specifically, the collaboration between Doug Suntken and Paige Fields was world-class. Their honesty and attention to detail were evident throughout. They ensured everything was completed exactly on time, proving themselves to be reliable and trustworthy professionals. We highly recommend this team to anyone looking for an excellent, stress-free mortgage experience. Thank you all for your incredible dedication!"

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.