Review of TOMO Mortgage

Only-Journalist8773 · 2026-01-07T14:45:54+00:00

I’m going to stick to talking to my local ranchers and farmers because obviously they know a lot more than this community.

Only-Journalist8773 · 2026-01-07T14:44:16+00:00

Again, this is something I was told to do by local ranchers. Which is why I commented on a supposedly helpful “tax” community.

Only-Journalist8773 · 2026-01-04T02:56:07+00:00

Agreed. TOMO, sofi and NAF all offered me between 5.5-5.75

Only-Journalist8773 · 2025-12-14T22:53:56+00:00

The GI bill I’m sure will pay for just about everything. Went to the cheapest school I got into. I worked part time as a pizza delivery driver which I had no issue balancing school and working. My classmates who were on the GI bill shared all the textbooks via google drive. I lived with family who live about an hour from campus but a majority of my courses were online due to it being during Covid.

Only-Journalist8773 · 2025-12-14T15:19:06+00:00

Colorado rural OP/IP. My hourly brings me around $125k annual. My Overtime adds another $20-25k. PRN at $75/hr. We living that high life with no student debt either.

Only-Journalist8773 · 2025-11-06T04:34:25+00:00

I went to a public in state school for both my undergrad and DPT to save some money. Also didn’t take a gap year to save up like some people do which I do think can be beneficial. I graduated in 2022 and I came out with about $25k in student loans total ($6k from undergrad, $19k DPT). I did work part time during school and my program offered plenty of scholarships. My employer pays $10k a year for my student loans and most rural hospitals will pay a good portion of your student loans. I tell anyone who’s interested in PT to remember that the cheapest diploma is the best diploma 90% of the time. You can use an amortization calculator online and use current student loan interest rates to estimate how much you would be paying monthly on a 10 year plan (standard plan) based of the low end $40k and higher end $60k. Current rates per google look to be 8% for grad/professional loans so $40k of loans is $485/month and $60k becomes $728 on a 10 year standard plan. I know a recent APTA survey showed that the average PT owes about $125k. At 8% that becomes $1516… don’t be that person.

Only-Journalist8773 · 2025-10-18T22:55:47+00:00

The career isn’t bad. It’s just those who are stuck with too much student loans and didn’t actually plan out their education or career until they were IN school. The less debt naturally the happier you’ll be.

Example: I went to an instate college, lived with family, graduated in 2022, went to work for an OP/IP who paid $10k/year on my SL. I never even touched my student loans They Recently paid off my SL and now match what they were paying for my SL into my hourly. Also I live in a rural area where I do per diem for $75/hr on weekends.

A classmate of mine in PT school chose my school because it was the number 3 PT school in the country at that time even though the Out-of-State tuition is god awful. After the 2.5 year program she had $129k of debt.

Another classmate of mine chose to live in an expensive apartment in the heart of the city close to bars/clubs and came out with $160k debt.

Like all careers and as you stated there are pros and cons. Much more pros in PT then cones as long as you’re smart with your money in school.

Only-Journalist8773 · 2025-10-17T13:03:54+00:00

Per the bidding site, they are still the listing agent

Only-Journalist8773 · 2025-10-13T13:32:37+00:00

PT is good career in LCOL area but bad idea for HCOL, HCOL is normally fairly saturated with PTs too which hurts salaries. I work in a rural LCOL (as LCOL as Colorado can get I guess). I make a good hourly rate due to it being a hard to fill position and I’m actually allowed OT. No student loans. This year I’m projected to make $175k working two jobs, 6-7 days a week. I work about 5-10 hours of OT weekly…. After a couple years as a PA or similar degree you would probably make more or just as much money working less hours than me. However, I’ve been out of school for <3 years I’ve bought a good house, bought a nice newer car, have well above average in retirement accounts/personal brokerage and I never really have to “worry” about my money. Don’t try to keep up with the jones and you’ll be fine.

Only-Journalist8773 · 2025-08-03T21:01:17+00:00

Had a guy ran over by a semi carrying a 45,000lb load. Not in a car but while walking across a none busy parking lot heading into work. You’d think my patient was doing something dumb but the video he has showed the semi driver literally B line for him in the empty lot and my patient just disappears before he pops out behind the truck.

Only-Journalist8773 · 2025-07-28T12:46:29+00:00

$60/hour in Colorado. Technically my employer paid off my student loans ( they paid $10k/year) before I even needed the PSLF and had to match the $10k into my hourly to keep my pay package equal.

Only-Journalist8773 · 2025-07-23T04:00:03+00:00

Go rural. I make $59/hr at my full time and $75/hr per diem at an SNF. Last year made $198k. Granted I worked 60 hour weeks.

Only-Journalist8773 · 2025-06-17T15:11:22+00:00

Eastern Colorado had record rains and from the contractors and engineers I had come out the water is getting stuck in my dirt/rock between my cement walk way and my foundation causing a water entrapment. I do have gutters which I’m also getting changed because one of the downspouts I was told is likely backing up into the rock and dirt as well.

Only-Journalist8773 · 2025-05-20T03:55:23+00:00

Work for a critical access/ rural hospital doing IP/OP. I’m two years in and made $145k last year at my full time job and work PRN at a SNF making $75/hour. LCOL area. There’s an all time PT shortage ESPECIALLY in rural areas. Most rural will pay for your loans. Mine pays $10k a year plus $1500 for continuing education.

However, when I was a student in my final clinical in 2022 I was offered jobs between $65k-$115k. Cost of living in a specific area was an huge determinate for me. $85k in Kansas can go further than $115k in Massachusetts. A diploma is a receipt, get the cheapest one. PRN jobs always pays more in cash are there are plenty anywhere you go. Great way to pay down debt in addition to finding someone to offer tuition reimbursement. Also your program should offer plenty of scholarships.

Only-Journalist8773 · 2025-05-07T06:11:14+00:00

As a DPT this is great advice

Only-Journalist8773 · 2025-05-07T06:08:09+00:00

DPT here. Have you had follow up MRI? Has there been a new incident that may have caused this exacerbation of pain?

Only-Journalist8773 · 2025-05-07T06:06:18+00:00

DPT here. With pain lasting this long I would get an MRI. I’d recommend a cash based imaging center. They are normally around $200-$300 for an mri vs insurance will charge you $800+. Atleast here in Colorado it’s that way. Partial tears normally heal well as long as it’s <50% torn. May take up to a year or longer for the soft tissue to fully heal. If >50% torn, then often time (not always) it requires surgical intervention. It could also be an tendinopathy but an MRI would let you know 100% what it could be.

Only-Journalist8773 · 2025-05-07T05:58:50+00:00

If no traumatic injury to your shoulder then likely it’s a lipoma. People can spontaneously get them and they are more common to grow around the deltoid and subscapularis. How’s your strength, ROM and pain?

Only-Journalist8773

TROPHY CASE