Tom Santos

Arbor Financial Group


201 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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201 Reviews






After moving back to California almost nine years ago our realtor introduced my wife and I to Tom Santos to finance our new home. Tom and his team went to work and got us into our dram home with ease. Over the years we have refinanced several times and have never thought about using anyone else! Thank you, Tom and Jennifer for always working hard on our behalf.

Van a


This is my second time working with Tom and his team. After helping my wife and me with our initial home loan, Tom provided the same excellent service with our refinance. In both instances we ran into complications that could potentially derail the whole process, however, Tom was able to find workable solutions and a path to close each time. We greatly appreciate the attention we received including the consistent communication. It is with great confidence that we recommend his services to all.

Daniel M


Tom and his staff are true professionals. Have guided us thru loans for this home ,and our last one . Worked extremely hard and kept our agent in the loop at all times. We will utilitize Toms services in the future without hesitation ,and recommend to friends.

Ronald B


I had a great experience with Tom Santos at Arbor when we refinanced our loan. He gave honest and unbiased opinions on different options helping me make the right informed decision. Not only did we secure the lowest rate possible with minimal fees, the process was easy and his team was very responsive and professional. I would go back to Tom again no doubt and have referred others already.

Brian S


Tom and his team worked vigorously to make my loan happen for my first home! I’m single, self-employed, and only 27 years old so it wasn’t an easy task, especially with how the market is right now, but Tom took on my loan and worked with me every day before and during escrow to make sure my dreams came true. I can’t wait to start this new adventure in my own home! Thank you so much Arbor team!

Kayla B


Tom and his team delivered an amazing level of service that expedited and simplified the home buying process. I would absolutely recommend his services to anyone. Thank you Tom and to all of your team it was a pleasure working with you.

Andrew w


Tom Santos and his team made our home buying process super easy and they we were very organized. Highly Recommend!

Kevin M


We have done business with Tom and his team twice and both times were seamless from start to finish. Would recommend to anyone, new buyers or old pros like us. The doc u sign on line process is simple. I will warn all that at final signing be sure you have had plenty of coffee, seems like final docs just get longer and longer. Great folks, just go to Tom to it get done right and on time.

Dan L


Once again, Tom and his team have come through for us. We were able to do a streamlined refinance through our lender in order to save 1.75% on our interest rate. The process was simple and quick. Tom has been the only lender we have used in the last 20 years, he always goes out of his way to communicate honestly with us, and I recommend him often. We will never use anyone else!

Heather S


We went with Arbor financial on the suggestion of our realator. We had used Tom for our previous home purchase 5 years ago. Tom & Arbor financial were a pleasure to work with on this process. They are professional & detail oriented & were very congnicent when it came to following Covid 19 guidelines, offering multiple methods of communication & information transfer. Should we refi again we would definitely use Tom Santos & Arbor financial .

Lynette y