Tom Santos

Arbor Financial Group


181 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

Leave a review

Testimonial Submitted Successfully!

Thank you for your feedback

Leave a Review
Read Reviews
181 Reviews






It's the end of 2020 -- a great time of restlessness, trepidation, and uncertainty. Fear and disappointment covered the land in a thick fog. Fortunately, Tom and his intrepid team led my wife and I through the mire to closing a refinance where the borrowers were self-employed and their business had suffered in the COVID economic downturn. Their patience with both us as client and the marketplace itself were stellar, and I can't imagine they won't show you the same value of overdeliver they showed us. Thank you, Tom!

Christian N


Tom and his team worked quickly and diligently to help us from start to finish in our process of becoming first-time homeowners. They updated us through every step of the process and answered all of our questions. Tom and his team didn't just work 9-5. They responded early in the morning and later in the evening. It was as if they worked 24/7 around the clock to get the job done! They were all amazing and I would highly recommend using them again and again!

Amber R


Tom and his team at Arbor did amazing at helping us get our home! They were very available via email, text & phone calls which really helped when we had questions about what something meant or what was needed from us. We were purchasing a home around the holidays and they still kept themselves available to talk to if we needed them.

Julia S


It's not easy buying a house now days, but Tom and his group at Arbor Financial are real professionals and provided us with excellent service when we recently purchased our forever home. We were kept updated frequently and they were always ready to give us updates when we had questions or concerns. My wife and I would highly recommend Tom and Arbor Financial Group! Our experience could not have been better.

David i


I called around to a couple lenders and even spoke with a friend of mine who does lending. I went with Tom because his experience in the industry is so evident when we came across any special cases (houses with solar contracts, etc), where he was able to lend knowledge that the other lenders and even real estate agents didn't know about. I picked him over a friend of mine because this was business and I had to go with someone I could feel confident about when I'm making such a large purchase. He was straight to the point, responsive, and if he was unavailable, then he provided me other contacts to talk to if I had immediate questions. He locked me in at a great rate, a lender credit, and even a 1-time option in the last 15 days of escrow to lock a different rate if the rates dropped. Absolutely top notch, and I've already recommended him to the few people who have told me they will be buying this year.

Holly Y


The timing was very hectic getting into our new home. Tom and his staff made it happen. Thanks!



With the help of Tom my wife and I were able to buy a beautiful house. The crazy times of 2020 and holiday season did not slow him down which really shows his dedication

Stephen S


Honest and caring. Best

Dongkoan k


Great experience. Very easy to work with. Know the industry very well & have our best interest at heart. Makes the process painless & doesn't charge excessive fees, which is a nice change of pace from other companies. We felt like we were in good hands the whole time.

Kristin H


Excellent and professional!!! Tom went above and beyond to make it a smooth and fast process. We highly recommend him and plan to refer everyone we know to him. Could not have done it with out him. Thanks, Tom

jay W