{"id":2353,"date":"2021-07-16T21:48:48","date_gmt":"2021-07-16T21:48:48","guid":{"rendered":"https:\/\/preprod.realtrends.com\/blog\/2021\/07\/16\/ex-zillow-execs-promise-revolution-in-lending\/"},"modified":"2025-03-13T02:38:17","modified_gmt":"2025-03-13T02:38:17","slug":"ex-zillow-execs-promise-revolution-in-lending","status":"publish","type":"post","link":"https:\/\/preprod.realtrends.com\/blog\/2021\/07\/16\/ex-zillow-execs-promise-revolution-in-lending\/","title":{"rendered":"Ex-Zillow execs promise revolution in lending"},"content":{"rendered":"\n

Seventy million dollars in seed funding is a colossal investment for an unproven tech startup, even one that promises to fully disrupt a relatively low-margin, traditional industry like mortgage lending.<\/p>\n\n\n\n

But this is no ordinary mortgage startup. Venture capital investors including Zillow<\/strong> <\/a>founder Spencer Rascoff and Trulia<\/strong> co-founder Pete Flint, believe that Tomo has the potential to topple the legion of lenders that have increased market share, invested heavily in technology and lapped up record profits in recent years.<\/p>\n\n\n\n

Tomo, founded by former Zillow executives, is built on the premise that homebuyers need to gain an edge, especially in a market largely defined by limited inventory and fierce bidding wars. <\/p>\n\n\n\n

\u201cThe place where you see the most innovation in the real estate industry in the past decade or so is what we call \u2018search-and-find.\u2019 So putting listings online in a portal,\u201d said Carey Armstrong, who co-founded the company with Greg Schwartz, and ran Premier Agent at the Seattle real estate tech giant. \u201cOur job is to help you purchase the home of your dreams, not just to browse and look at pretty pictures.\u201d<\/p>\n\n\n\n

To provide that competitive edge, Tomo claims to issue mortgage pre-approvals within hours \u2013 not days \u2013 and cut closing times to 21 days (the industry average is 47 days). The startup says it has also partnered with top local real estate agents who know their way around the markets they serve.<\/p>\n\n\n\n

\u201cThere\u2019s a hunger among millennials and younger folks that want to buy homes in a different way,\u201d Armstrong said in an interview with RealTrends. \u201cThey\u2019re used to modern experiences with great service and digital experience. That has not traditionally been available to them [when buying a house]. You\u2019re working with lots of different providers who are all offline and don\u2019t really coordinate amongst themselves. Where we come in is providing a home-buying service that is a single stop and it\u2019s as digital as you want it to be but there\u2019s still a human being available to advise you.\u201d<\/p>\n\n\n\n

Tomo claims its platform is different from its competitors, which would appear to range from traditional mortgage companies and banks, all the way to iBuyer brokerages like Zillow, Redfin. For starters, it does not originate mortgage refinancings. Tomo will only originate purchase mortgages, and it\u2019s specifically targeting areas with especially fast-rising home prices and high demand among millennials, who are generally disadvantaged in today\u2019s housing market. <\/p>\n\n\n\n

Its digital mortgage product focuses on data, automation and third-party API integrations, the company says. Tomo claims it will offer the lowest mortgage rates in the industry by matching competitors\u2019 rates. If an appraisal doesn\u2019t come in on time or closing documents don\u2019t make the deadline, Tomo executives say they will still close on schedule.<\/p>\n\n\n\n

Success in the purchase side of the mortgage industry heavily correlates with the ability to scale a product and develop a durable pipeline with real estate agents. Some of the top lenders in America, such as Rocket Mortgage<\/strong>, United Wholesale Mortgage<\/strong> and loanDepot<\/strong>, have spent hundreds of millions of dollars developing technologies to close loans faster and make the homebuying process smoother for the consumer. Tomo would also have to overtake traditional banks and tech-focused firms like Better.com, which is also venture-capital-backed and says it will be worth $7.7 billion following a merger and acquisition later this year.<\/p>\n\n\n\n

Tomo has a big opportunity \u2013 Freddie Mac<\/strong> expects purchase originations in 2021 and 2022 to approach about $3.6 trillion. And no single mortgage lender has even 10% market share overall (Rocket is the largest), so entr\u00e9e into a very fragmented market is achievable if it has the funds to compete. <\/p>\n\n\n\n

And by the looks of it, Tomo will have the money. The $70 million seed round, the third-largest in U.S. history, follows a pre-seed round of $40 million. Ribbit Capital<\/strong> led the latest round and other participants include DST Global<\/strong>, NFX<\/strong>, SVB Capital<\/strong> and Zigg Capital<\/strong>.<\/p>\n\n\n\n

Tomo has already launched Tomo in Seattle, Dallas and Houston and expects to launch in other hot markets later this year.  <\/p>\n\n\n\n

Tomo<\/strong> is a new mortgage platform backed by ex-Zillow executives Greg Schwartz and Carey Armstrong. The seed money was raised by 10 capital firm investors to get Tomo<\/strong> off the ground. Which according to Crunchbase<\/a>, that is the third-largest seed round in U.S. history. <\/p>\n\n\n\n

The idea behind Tomo is to help the buyer get an upper hand when buying a home. <\/p>\n\n\n\n

In an interview with RealTrends<\/strong>, Carey Armstrong said buying a house should never be a miserable and stressful experience.  <\/p>\n\n\n\n

\u201cThe place where you see the most innovation in the real estate industry in the past decade or so is what we call \u2018search-and-find.\u2019 So putting listings online in a portal,\u201d she said. \u201cOur job is to help you purchase the home of your dreams, not just to browse and look at pretty pictures.\u201d <\/p>\n\n\n\n

Instead of automated platforms, Armstrong mentioned that Tomo<\/strong> will connect buyers with top-local agents who know their way around the markets they serve.<\/p>\n\n\n\n

\u201cThere\u2019s a hunger among millennials and younger folks that want to buy homes in a different way,\u201d she said. \u201cThey\u2019re used to modern experiences with great service and digital experience. That has not traditionally been available to them [when buying a house]. You\u2019re working with lots of different providers who are all offline and don\u2019t really coordinate amongst themselves. Where we come in is providing a home-buying service that is a single stop and it\u2019s as digital as you want it to be but there\u2019s still a human being available to advise you.\u201d <\/p>\n\n\n\n

One of the company\u2019s claims is it uses data to get homebuyers to close in three-weeks time.<\/p>\n\n\n\n

According to ValuePenguin<\/strong><\/a>, the average close-out time is 47 days on all loan types. Tomo wants to cut that time down. <\/p>\n\n\n\n

The goal is to get the buyer their desired home as soon as possible. Pre-approvals are reportedly done within hours instead of days and guarantee the buyer on-time closing. <\/p>\n\n\n\n

There\u2019s plenty of opposition out there. Perhaps to stand out, the company stated that there is no refinancing. Instead, its focus is securing buyers new mortgage loans.  <\/p>\n\n\n\n

To start, Armstrong and Schwartz have launched Tomo in Seattle, Dallas and Houston. The plan is to target areas with rising home prices and high demand that are hurting millennials and first-time home buyers. <\/p>\n\n\n\n

It\u2019s early. Tomo<\/strong> has its work cut out for them in a competitive pool of other proven mortgage companies.  <\/p>\n","protected":false},"excerpt":{"rendered":"

Tomo is a new mortgage platform backed by ex-Zillow executives Greg Schwartz and Carey Armstrong. Seventy million in seed fund was raised.<\/p>\n","protected":false},"author":27946,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[1444],"class_list":["post-2353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"\nEx-Zillow execs promise revolution in lending - RealTrends - Blog<\/title>\n<meta name=\"description\" content=\"Tomo is a new mortgage platform backed by ex-Zillow executives Greg Schwartz and Carey Armstrong. 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