Full-Time
Senior Software Engineer
Front End
Posted on 10/2/2025
Tomo Mortgage
201-500 employees
Mortgage lender with rate-locking and advisors
Compensation Overview
$160k - $190k/yr
Remote in USA
Remote
Remote role; candidates located near Seattle, WA; Detroit, MI; or New York, NY may work from company offices there.
 Software Engineering (1) |
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- Has empathy for users and enjoys building customer-facing products that improve the home buying journey from discovery to closing.
- Brings their own unique background and experiences to the team, adding fresh ideas and perspectives.
- Thrives in a startup environment with ambiguity and enjoys collaborating to figure out the best path forward.
- Is a team-first engineer who jumps in to fight fires, provides constructive feedback, and always thinks about both the customer and Tomo as a whole.
- Continuously hones their craft as a software engineer and stays current with new trends and technologies, especially in frontend engineering and AI.
- Has experience appropriately leveraging LLMs in software engineering and is excited to push our capabilities further.
- Eagerly mentors and collaborates with other members of the team.
- Works independently and makes sound decisions without requiring heavy oversight.
- Enjoys working with a geographically distributed team (US)
- Build high performance customer experiences using a combination of Typescript, React, Next.js, Tailwind, Storybook, Vitest and a mix of client- and server-side rendered pages.
- Lead scoping and definition for team project work.
- Support deployed systems in production as part of an on-call rotation.
- Drive healthy software engineering practices – including code review, automated testing (95% code coverage), and continuous delivery
- Work closely with user experience designers in promoting accessibility best practices, design languages and brand recognition efforts
- Partner with other engineers to define API contracts and the structure of the backend, server, and client components
- A history (5+ years) of delivering meaningful software projects to production – from conception through design, delivery, and iteration
- Experience with delivering high-quality customer experiences on large consumer-facing websites, including a deep understanding of front-end technology stacks and how to use them to produce performant, satisfying, well-crafted user experiences.
- An understanding of modern software engineering practices, including logging, monitoring, continuous deployment, and automated testing
- Expertise with React and/or Next.js
- You’re inquisitive, ready to engage in vibrant debate, make difficult decisions quickly, learn continuously and mentor your teammates to do the same
- Build high performance customer experiences using a combination of Typescript, React, Next.js, Tailwind, Storybook, Vitest and a mix of client- and server-side rendered pages
- Lead scoping and definition for team project work.
- Support deployed systems in production as part of an on-call rotation.
- Drive healthy software engineering practices – including code review, automated testing (95% code coverage), and continuous delivery
- Work closely with user experience designers in promoting accessibility best practices, design languages and brand recognition efforts
- Partner with other engineers to define API contracts and the structure of the backend, server, and client components
- A history (5+ years) of delivering meaningful software projects to production – from conception through design, delivery, and iteration
- Experience with delivering high-quality customer experiences on large consumer-facing websites, including a deep understanding of front-end technology stacks and how to use them to produce performant, satisfying, well-crafted user experiences.
- An understanding of modern software engineering practices, including logging, monitoring, continuous deployment, and automated testing
- Expertise with React and/or Next.js
- You’re inquisitive, ready to engage in vibrant debate, make difficult decisions quickly, learn continuously and mentor your teammates to do the same
- Expertise with SEO, site performance, and tools like PageSpeed Insights and Lighthouse.
- Familiarity with financial services, fintech, real estate, or home lending technology systems.
- Experience with AWS and cloud-based deployment and operational contexts.
Tomo Mortgage helps homebuyers, especially first-time buyers, by re-engineering the mortgage process to be more customer-controlled and transparent. It uses a digital platform and a team of mortgage advisors to guide customers through the process, offering a Lock & Shop feature that lets borrowers lock rates for 90 or 120 days while they shop and adjust downward if rates fall. On-time closing is guaranteed, and there are no lender fees. Tomo earns revenue from interest on mortgages and pledges to match any better deal found elsewhere. The company differentiates itself through its customer-centric approach, transparent pricing, rate-lock protection, rate-down adjustments, guaranteed closings, and a strong advisory team supported by technology, aiming to provide a seamless and efficient experience for homebuyers.
Company Size
201-500
Company Stage
Series B
Total Funding
$170M
Headquarters
Stamford, Connecticut
Founded
2020
Simplify's Take
What believers are saying
- $20M funding from Progressive boosts digital expansion.
- Originated $3B loans across 35 states by 2026.
- 20-day closings double industry NPS at 84%.
What critics are saying
- Lock & Shop rate drops erode margins without fees.
- TrueRate commoditizes pricing, losing to Rocket Mortgage.
- No funding since 2021 forces cuts amid fintech winter.
What makes Tomo Mortgage unique
- Lock & Shop locks rates for 120 days while shopping homes.
- TrueRate AI tool reveals fair rates from 1,000 lenders.
- No lender fees with 0.30% below-market rates offered.
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Benefits
Stock Options
Professional Development Budget
Remote Work Options
Growth & Insights and Company News
6 month growth
↓ -2%1 year growth
↑ 0%2 year growth
↓ -5%A former Zillow VP and co-founder of Tomo Networks has secured funding to develop an AI assistant for real estate agents.
Tomo Mortgage aims to hold the mortgage industry accountable for inflated rates, hidden fees and misleading pricing that will cost U.S. homebuyers $11 billion in 2025 NEW YORK, May 1, 2025 /PRNewswire/ -- Tomo Mortgage, the fast-growing AI-powered digital mortgage lender, today announced the launch of TrueRate, a free tool that gives U.S. homebuyers a full and honest view into what hundreds of lenders are actually charging people just like them. Deceptive marketing practices and misleading prices are expected to cost American homebuyers $11 billion in 2025 — and TrueRate aims to put a stop to it. It uses data from hundreds of thousands of real home loans from over 1,000 lenders to answer a question that every homebuyer struggles with, but until now has been impossible to answer: What's a good rate for me, right now, and where can I get it? Tomo Mortgage Launches TrueRate – A Free AI-based Tool to Help Homebuyers Avoid Being 'Ripped Off' by Mortgage Lenders "Everyone knows how challenging the current homebuying market is, but what many don't know is that many lenders are making it worse with bait-and-switch sales tactics and misleading fees," says Greg Schwartz, CEO and Co-Founder of Tomo. "The mortgage industry thrives on this type of 'confusion capitalism,' where homebuyers have no way to know what's fair and what's a ripoff, and end up having to take a lender's word for it
Digital mortgage startup Tomo lands $20M, adds Progressive as new investor.
Tomo, a startup mortgage company led by a pair of former Zillow executives, has launched a real estate marketplace that offers natural-language search.
In June, Tomo introduced a “ Lock and Shop ” service that allows homebuyers to lock in a mortgage rate for up to 120 days, before they even know the address of the property they want to buy.