Tom Santos

Arbor Financial Group


167 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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167 Reviews






Nowadays I generally decline to share my input in rating a service because it's requested with almost each and every interaction, but in this case Tom Santos and his team of experts deserve my time and energy since they were exceptional in their service as to two loans. The application process, and amount of documents needed these days make applying for a new loan or re-financing a loan an incredible choir. Tom, and his staff, however, made the challenges bearable, and the savings I'm about to receive on my investment property and my primary residence will be substantial. It's alway tricky to know when to "lock in" to a rate, but Tom's advice was always thoughtful and logical. He was also prompt in taking or returning my calls to answer my questions despite how busy he was in juggling many nervous clients. I would recommend him and his "team" without hesitation for anyone seeking help with a mortgage of any kind.

Mark Z


REAL customers here, leaving a REAL review for Tom and his team who did a REALly great job answering all of our questions, delivering a super quick turn-around time to all of our emails and texts, even working on weekends to make sure we got the best deal out there. Mid-way through our refinance process we ran into a COVID related snag (not Tom's fault) and he worked quickly to resolve it for us. Tom and his team seriously deserve the 5 star rating. He's our guy and the guy we'll refer people to.



I am very satisfied and happy that I went with Tom. Tom and his team diligently worked and made it possible for us to lock in the lowest rate possible. Thank you Tom and your great team for making our home refinance as smooth as possible and I am glad that it happened without a hiccup while I'm on a business trip. I would definitely refer him to my coworkers and friends.

Bryan A


My experiences with Tom Santos and his team have been outstanding, however that is the reason I decided to do business with Tom and his team once again. They worked very hard to meet my expectations and very greatful for that and if someone should ever need these type of services I would highly recommend Tom and his team.

Francisco G


This is the third time we work with Tom and they have all been great! Tom and his team have helped us make the correct decision and save money. We highly recommend Tom and his team and look forward to working with him again.

Gabriela r


This is the 2nd time we've worked with Tom & his team and they ALWAYS come thru for us. Very professional and easy to work with. We will definitely recommend them to all our family and friends. Fred & Sherri Janssen.

Frederick r


Tom and his team helped us refinance through a non-standard situation. They were very responsive and helpful throughout the process. Thank you Tom!



I had nothing short of the best service from Tom Santos and his team. He worked around the clock to make things happen and was able to pull off miracles when it was needed. His vast connections with multiple lenders helped out tremendously with obtaining the best possible deal for my home loan. Nothing but 5 star service from Arbor Financial Group. It doesn't get any better.

Steven F


Tom and his team were great. They communicated openly, honestly and frequently about the status of my refinance, about options, and provided me with an easy and stress-free experience. Tom helped me achieve my goals and was helpful to me. I would highly recommend Tom and his team to anyone thinking to refinance their home.

Laura D


Tom and his team where very helpful throughout this process. My questions where answered promptly and courteously. It was easy to communicate with him and his team. Thanks for the support!

Karina C