Full-Time

Senior Software Engineer

Back End

Posted on 10/31/2025

Tomo Mortgage

Tomo Mortgage

201-500 employees

Mortgage lender with rate-locking and advisors

Compensation Overview

$160k - $190k/yr

Remote in USA

Remote

Remote in the US; optional on-site in Seattle, Detroit, or New York City.

Category
Software Engineering (1)
Required Skills
LLM
Kubernetes
Python
JavaScript
Docker
Microservices
AWS
DevOps
HTML/CSS
Requirements
  • A history (5+ years) of experience delivering meaningful software projects to production—from conception through design, implementation, deployment, 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.
  • Understanding of modern software engineering practices, including logging, monitoring, continuous deployment, and automated testing
  • Proficiency with Python and experience building backend systems using microservice architectures.
  • Solid understanding of AWS services, containerization (Docker), and orchestration (Kubernetes).
  • Experience using AI-powered developer tools is a must. You’ve leveraged LLMs or similar technologies to enhance your coding efficiency, even if not yet working with fully agentic coding systems.
  • To be inquisitive, ready to engage in vibrant debate, make difficult decisions quickly, and learn continuously.
Responsibilities
  • Designing, building, and maintaining scalable Python microservices that power Tomo’s platform.
  • Owning backend architecture decisions and contributing to API design and integration patterns across services.
  • Deploying, monitoring, and supporting systems in production as part of an on-call rotation.
  • Driving healthy engineering practices, including code review, iterative delivery, automated testing, and continuous deployment.
  • Collaborating closely with product managers, designers, and frontend engineers to deliver seamless customer experiences.
  • Leveraging AWS infrastructure, Kubernetes, and modern DevOps tooling to ensure reliability and performance.
  • Support deployed systems in production as part of an on-call rotation.
Desired Qualifications
  • Experience integrating or optimizing LLM-powered workflows.
  • Familiarity with financial services, fintech, real estate, or home lending technology systems.
  • Experience in modern frontend frameworks or API contract design.
  • Experience with observability tools like Datadog.

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 Jobs

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

Headcount

6 month growth

-2%

1 year growth

0%

2 year growth

-5%
AIM Group
Sep 3rd, 2025
Tomo Networks develops AI assistant tool

A former Zillow VP and co-founder of Tomo Networks has secured funding to develop an AI assistant for real estate agents.

Yahoo Finance
May 1st, 2025
Tomo Mortgage Launches Truerate - A Free Ai-Based Tool To Help Homebuyers Avoid Being 'Ripped Off' By Mortgage Lenders

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

GeekWire
Mar 11th, 2025
Digital mortgage startup Tomo lands $20M, adds Progressive as new investor

Digital mortgage startup Tomo lands $20M, adds Progressive as new investor.

AIM Group
Feb 20th, 2024
Former Zillow execs launch free-text homes search

Tomo, a startup mortgage company led by a pair of former Zillow executives, has launched a real estate marketplace that offers natural-language search.

Inman
Aug 24th, 2022
Tomo launched “ Lock and Shop ” service on Jun 1st 22'.

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.

INACTIVE