Tom Santos

Arbor Financial Group


207 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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207 Reviews






Tom and his team were very helpful, courteous, and informative during our home buying and loan closing processes. I highly recommend Tom Santos.

Maro R


My wife and I would like to thank Tom Santos and Jennifer Ortiz of Fairway Mortgage for an outstanding job on closing our refinance. Tom it was a great pleasure doing business with you and Jennifer. We felt confident and in good hands after the first meeting with you. I can not praise you and Jennifer enough for the hard work that went into closing the refinance of our home. We really appreciate the efficient, speedy, and professional way that our loan was handled. We highly recommend Tom and Jennifer for a job well done. Again, thanks for all the hard work and effort you provided to close our loan. Sincerely, Van and Mary McClung

Mary V


Tom and his team did it again - another successful closing with my clients' home purchase! Tom has never failed me or my clients once that pre-approval is in hand. Tom's experience and expertise are invaluable when difficulties come up in a transaction as often happens. I cannot say enough nice things about Tom and his associates.

Anne M


Realtor with Coldwell Banker Residential Brokerage

Was very pleased with my experience.

Krystal R


Our experiences with John Murphy, our principal loan officer and team of Tom Santos have been exemplary. John has been our go to loan officer for close to a decade and he has served us very well. In fact, he has closed deals on every one of our Real Estate transactions involving 3 new acquisitions and 4 separate refinancing of houses over these years. He has gone above and beyond the call of duty on several occasions and we strongly recommend him.

Raj T


Vanessa Apts. Owner

I could never find enough words to say THANK YOU to Tom and his team. Entire process was smooth, efficient and professional. I will always use this team for all my home financing needs. Many Mahalos



Business Manager Paradise Buick GMC

Tom has been our family lender for over 20 some years. He has always delivered what he promised and looked out for our best interests. He was always available to answer our questions and talk us through each step of the process. We highly recommend Tom and his team.

Kelli S


Fairway Independent Mortgage Corp. was nothing short of excellent. Tom Santos and the team did an amazing job making sure that I successfully closed on-time, while providing great customer service and friendliness to their clients.

Hayden J


I cannot praise Tom Santos and his team at Fairway Independent Mortgage Corporation enough for helping my Husband and I purchase our multi-family property. Tom was knowledgeable, encouraging, direct and strategic. As unforeseen developments occurred, Tom and his team always found a solution. There were times when abrupt changes in my financial profile should have severely damaged the process. Despite this, Tom was always encouraging and strategic. Throughout the process, Tom went above and beyond to ensure everything went smooth. Unfortunately my realtor was very estranged throughout the process, but Tom picked up the slack keeping me informed and updated. He was always accessible, even to the point of setting conference calls to maintain alignment with all parties. After successful close of escrow, Tom continued to check in, to ensure a smooth transition as a new homeowner. Without Tom, there is no way I would have had the knowledge or determination to complete this home buying process. I am very thankful for the diligence from Tom and his team to make this home purchase successful. I look forward to working with Tom again in the future.

Ashlee J



Tom Santos is awesome. This is my second VA loan working with Tom. He always answers any questions promptly. His availability and willingness to return phone calls and emails after work hours is exemplary! Tom will give you any news/updates truthfully. He doesn't hide anything. The entire process went very smooth and quick from start to end was about 1 month to closing. Jennifer his assistant is fantastic and a pleasure to work with. Tom and his staff will move mountains to get you approved. I would not consider anyone else to work with for my next loan. I highly recommend that you give Tom and his team the opportunity to earn your business because if you do you will not be disappointed.

Larry E