Tom Santos

Arbor Financial Group


128 Reviews


43015 Blackdeer Loop#108
Temecula, California, 92590

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128 Reviews






Tom and his team are professionals that have the experience needed to make the home purchasing process smooth. They were always available for my questions early in the morning and late at night. They answered any questions or concerns I had and made me feel comfortable about asking simple questions. We closed on time even when I made some changes that should have pushed the close. Tom, Jennifer and John are great to work with.



The team at Arbor was great. Closed ahead of schedule which was less than a month. No hiccups and Tom overestimated my total closing costs so there we no financial surprises and I actually came in less than projected. Great professional team.

Jon G


Good communication, informative, friendly, and honest.

James P


Tom Santos is a very talented professional.  He can come up with creative solutions to make things work.  We are so happy that he and his team helped us to secure the loan and complete the transaction.  He also kept us in the loop and brought all involved parties onto the same page with any progression or hurdle during the process.  It has been an amazing experience with Tom and his team!

Kelly R


Tom is very nice and knowledgable.  Compared with other lenders we worked with, he can find solutions to financing problems most others can't.

Kevin W


I felt confident right from the start that Tom would sort through all of our options with wisdom and a high degree of transparency.  We are very glad that we chose him and his team for our first mortgage.

Samuel K


Tom was very knowledgeable, responsive, and if there were any bumps, he made an effort to smooth them over.  Tom's knowledge of the area was also key to our decision, not to mention low rates and fees.  I would absolutely recommend Tom to anyone relocating to Temecula.  Thank you!

Michael B


Tom is incredibly knowledgeable and a true expert in his field.  He looks out for his clients by finding the best products for them.  He is responsive and constantly communicate, so there is no guessing as to the status of the process.  I have repeatedly gone only to Tom for all of my loan and re-financing needs over the past 20 years, and will continue to do so in the future.

Marc M


Great service, personalized, and works hard.

Ronald B


Had it not been for Tom, I would have not been able to obtain my loan as it was a challenge overcoming many obstacles that were presented.  He remained patient and always looked for a solution.  I appreciate his dedication and follow through to obtaining my loan.  A million thank you's!

Lucia V