Who We Are

Tomo is a digital mortgage company on a mission to eliminate the greed and complexity in lending, helping homebuyers save thousands of dollars. Our AI-driven customer experience makes the lending process faster, less frustrating, and more affordable. By passing these savings directly to homebuyers, we eliminate excessive fees and inflated rates that cost Americans billions each year. Backed by top-tier venture investors, including Ribbit, Citi Ventures, NFX and Progressive Insurance, Tomo is poised to become one of the most valuable fintech startups of our generation.

Mortgage Loan Processor

Location: New York, NY

Reports To: Loan Processing Manager

Type: Full-Time; Hybrid (in office Mon-Wed, remote Thurs-Friday)

About the role:

At Tomo, we’re on a mission to make the home buying process simple, transparent, and memorable. Our Loan Processors are trusted guides for customers, helping them navigate from application through closing with confidence and clarity.

We’re looking for resourceful teammates who are proactive in managing pipelines, attuned to customer needs, and excited about using technology to transform the mortgage experience. If you’ve ever wished you could help modernize the tools and systems in mortgage lending, this is your chance to shape the future.

What You’ll Do:

Serve as the primary point of contact for customers from processing through closing, keeping them informed and supported
Manage loan files proactively, completing all processing, pre-underwriting, and pre-closing tasks with care and accuracy
Review and verify documentation including credit, appraisal, and title for compliance with investor guidelines
Partner with agents to gather required information and keep them updated on the status of applications
Submit complete, high-quality files to underwriting while consistently meeting service-level targets
Coordinate closings and assist with post-closing follow-ups to ensure a seamless customer experience
Identify opportunities to improve our processes and technology, and collaborate with teammates across functions to bring ideas to life
Walk customers through their Closing Disclosure, offering support and clear answers to their questions

What Makes You a Great Fit:

Understanding of the mortgage lending process
Ability to handle multiple purchase applications simultaneously in a fast paced environment - On time close is very important to us!
Strong written and verbal communication with a phone-first mentality
Strong performance in team environments
A voice as to how we can improve our processes and tech
Detail orientation with a strong focus on quality
Superior customer centricity

Preferred Qualifications:

2+ years of mortgage loan processing experience, specifically in purchase transactions
Experience with Byte Pro or other LOS platforms (e.g., Encompass)
Familiarity with a variety of loan types: Conventional, FHA, VA, and Jumbo
Strong knowledge of mortgage applications, credit reports, and financial verifications

What’s in It for You?

Career Growth: Explore multiple career paths across Tomo, including elite operational roles
Competitive Pay & Benefits: Designed to support your whole self, in and out of work
Equity Ownership: All teammates receive stock options—we win together
Coaching & Mentorship: Learn from experienced leaders who are invested in your growth
Inclusive Culture: We celebrate diverse backgrounds, experiences, and perspectives. Whether your path into mortgage has been traditional or unique, you’ll find a place to thrive here.

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#LI-Hybrid

Employee Benefits

We strive to anticipate your needs in order for you to be a healthy, motivated, and happy team member. We provide a variety of competitive benefits including (but not limited to):

Equity Ownership: All teammates receive stock options—we win together
Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered
Work-life balance and a generous paid time off policy
In order to support teammates who become parents, Tomo Mortgage provides paid parental leave
401(k) retirement plan