Tomo Guides

Tomo Guides is the home-buying guide and educational content produced by Tomo Mortgage (tomo.com), a consumer digital mortgage lender backed by a16z. Tomo offers home purchase mortgages and refinancing with $0 lender fees and rates advertised at roughly 0.25% below the market median, alongside its TrueRate tool that shows a fair rate before applying and state-by-state interest-rate pages. The "Guides" surface is Tomo's home-buying-guide blog content aimed at first-time and repeat buyers, not a developer product. As of this enrichment pass Tomo publishes no public developer API, OpenAPI definition, developer portal, documentation site, or .well-known metadata; the company's web presence is entirely consumer-facing. This profile was surfaced as an a16z portfolio company and is retained as a company record with no API artifacts.

Tomo Guides is profiled on the APIs.io network. Tagged areas include Company, Mortgage, Fintech, Real-Estate, and Home Buying.

Tomo Guides’ developer surface includes engineering blog, signup flow, and 2 more developer resources.

🌐 Visit website 📡 Source on GitHub

9.1/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Mortgage Fintech Real-Estate Home Buying Lending

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 9.1/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.4 / 20

Access Clarity 2.6 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Operate 1

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: tomo-guides
name: Tomo Guides
description: Tomo Guides is the home-buying guide and educational content produced by Tomo Mortgage (tomo.com), a consumer
  digital mortgage lender backed by a16z. Tomo offers home purchase mortgages and refinancing with $0 lender fees and rates
  advertised at roughly 0.25% below the market median, alongside its TrueRate tool that shows a fair rate before applying
  and state-by-state interest-rate pages. The "Guides" surface is Tomo's home-buying-guide blog content aimed at first-time
  and repeat buyers, not a developer product. As of this enrichment pass Tomo publishes no public developer API, OpenAPI definition,
  developer portal, documentation site, or .well-known metadata; the company's web presence is entirely consumer-facing. This
  profile was surfaced as an a16z portfolio company and is retained as a company record with no API artifacts.
url: https://raw.githubusercontent.com/api-evangelist/tomo-guides/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: stub
x-tier-reason: portfolio-lead
x-api-surface: none
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://tomo.com/mortgage/social-card-large.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Mortgage
- Fintech
- Real-Estate
- Home Buying
- Lending
tags_raw:
- Company
- Mortgage
- Fintech
- Real Estate
- Home Buying
- Lending
apis: []
common:
- type: Website
  url: https://tomo.com/
- type: Blog
  url: https://tomo.com/blog/
- type: HelpCenter
  url: https://tomo.com/mortgage/faq
- type: SignUp
  url: https://tomo.com/mortgage/app/preapproval
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 0
  pass: local-v1

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