# Tomo Guides

**Canonical:** https://apis.io/providers/tomo-guides/  
**Website:** https://tomo.com/  
**APIs profiled:** 0

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.

## Kin Score — 9.1 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Tags

Company, Mortgage, Fintech, Real-Estate, Home Buying, Lending

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tomo-guides/). Scores are computed from the provider's own public artifacts under a published rubric.