Top-Tier Service! I have used Tom Santos and his team on numerous occasions for purchase and refinance loans, and he and his team always exceed my expectations. Even with the most challenging situations, Tom is determined to achieve the best possible outcome. Tom is knowledgeable, professional, and thorough…and he will always be my go-to source for mortgage financing.

Corey W

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Tom Santos was thorough and thoughtful and made us feel valued throughout the loan process!

Joan o

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While our experience buying our first home was anything but smooth, Tom and his team where there every step of the way. They made sure we were informed and let us know what our expectations should be even if the answer wasn't what we wanted to hear. I appreciate the honesty and due to their hard work we were able to close with all issues taken care of . Thanks to them we have a home we can call our own.

Carlos R

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An answered prayer! Tom and his team were an absolute pleasure to work with. Everyone’ story is different but the bottom line is getting the job done. Tom and his team did that for my family. They went above and beyond and answered all my questions. The process was extremely smooth. Very rare to find that these days. I am definitely a fan and recommend.

Dalton

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Tom and his team provided excellent service 👏 👌 He and his team were very helpful and knowledgeable. They responded to all our questions and kept us updated throughout the whole process.

Raymond S

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Tom and his team are great. They really made my home buying experience easy. Tom is very helpful in getting you the best rates possible. He makes himself assessible at your convenience for any questions or concerns throught your entire home buying process. It was a pleasure working with him and his team, they assisted me with my first home purchase. I hope to work with him again in future.

Lynnae H

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Tom and team made it easy and fast to obtain loan. The best ever in getting home loan. Thanks

Don S

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I am very satisfied with their service. They made the process as easy as possible. With Prompt response time and closing escrow earlier than estimated.

Judy

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I appreciate Tom, Jen, John and Adrienne’s dedication and hard work ethics to facilitate my first home purchase. Their responsiveness, and experience not only assisted with the logistics of the transaction but also made me feel comfortable with my decision on my first home. They were able to lock in a low interest rate and guide me through the home buying process. I HIGHLY RECOMMEND Tom Santos and his entire team at Arbor Financial Group. Thank you for everything. I’m thrilled about my new home!

Kiah F

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Tom and his team were knowledgeable, thorough, smart and sharp -- even in this volatile market. Highly recommend.

Vince A

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