Tom Santos

Arbor Financial Group


133 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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133 Reviews






As always Tom, you and your team have done a stellar job for us. As Realtors we work with many different lenders & have learned that you and your team are heads & shoulders above the rest. Thank you for giving us a wonderful experience & always looking out for our best interests, we will continue to refer our business to you, Jack & Ellen Watkins

Ellen W


Tom is very patient and works hard to educate the customer and help them get exactly what they want. He is working nearly round the clock to make sure he is available at any time or any place. In the rare instance that he’s not available, he has a great team to support him and help out the customer. We have worked with Tom twice now. Once on a purchase and again on a refinance. If I have the need again in the future, I’m definitely keeping Tom at the top of my list. I give him my highest recommendation.

Mike V


Working with Tom and Arbor Financial was an unexpected delight. Being as this was my first VA Loan home purchase and the second loan company I have worked with, I was a bit weary; however, Tom and his team were easy to work with. Arbor Financial consistently kept me informed, was responsive and happy to answer my multitude of questions, processed/collected all required documentation quickly and efficiently. I would highly recommend Tom and Harbor Financial.

Will P


Mr. Santos was referred to me by my real estate agent who was very picky for my benefit and took an excellent care of my needs. I appreciated her work including the excellent referral to Mr. Santos' office. This is not the first house I bought and I actually have contacted a different mortgage group of which I have worked with previously before contacting Mr. Santos. I ended up contacting Mr. Santos and I filled out an easy application online. Very shortly after his office went to work on my loan. I couldn't have been more happy with their services. They kept me informed with any changes or updates. I was able to upload all documents to their secured website, but the best thing about my experience was the trust I had. I knew this office was about taking care of people and about benefiting them. Everyone knows that banks and financial institutions are businesses to generate money, this office generates money, but I found out that to them what's most important is trust, taking care of their customer and the needs of their customers. I appreciate offering the different options, explaining the options and helping me chose the best route for my needs.

R. T


This was the first time I utilized Arbor Financial Group, and was extremely satisfied with all of the staff I worked with. As an example, Tom and his team provided constant updates and kept timely appointments from their appraiser to notary which saved me time as I work about an hour away. Further, using electronic software to complete the application and loan documents made this the easiest refinance I have ever done! I would highly recommend Tom and his team.

Gary O


As first time buyers.. we are extremely grateful to have worked with Tom Santos. He was not only professional but was also very thorough. He would also make time for us to answer any questions or go over things we didn't understand. In the end we got a good deal with a great rate. We definitely look forward in working with Tom in the future.

Veronica V


Tom Santos and his team at arbor Finacial worked hard to guarantee the success of our loan. Our particular situation had a few extra hurdles in it due to it’s unique conditions but toms team saw the whole thing through to the end. This was more then just a home purchase for my family, this is our forever home. We couldn’t be happier with the results! I have already recommended Tom and his team to others we know. Tom and his team will go the extra mile to get you and your Familly in the home of your dreams! Many thanks to Tom Santos and Jenifer Ortiz for all your hard work😎



Once again Tom and his team have provided us with excellent service. My husband and I have used Tom for the last 20 years exclusively, this time for a refinance. He is very informative no matter the situation and will spend the time necessary to educate you about the loan program you are considering. We have confidence in Tom as he has never steered us wrong and he always seems to have his finger on the pulse of the market. We trust that he is candid with us and puts in the work to get us the best deal. We will always HIGHLY recommend Tom for any of your mortgage needs!

Heather S


I have used Tom and his team on several purchase transactions with great service and success! Always smooth and on-time.

C. W


We had an outstanding experience with Tom Santos and his team at Arbor Financial Group and I would highly recommend them to anyone looking to purchase a home. Tom made our home buying experience very smooth and he delivered on everything he said he would. We closed on time and he was very efficient and timely with all communications and getting the job done perfectly. He really looked out for what was best for us, and we truly appreciated his exemplary expertise.

Christine C