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
10.7/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyMortgageFintechReal EstateHome BuyingLending

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 10.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 2.6 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/tomo-guides: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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)

apis.yml Raw ↑ 
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
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: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- 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