Tom Santos

Arbor Financial Group


173 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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173 Reviews






Tom Santos and the fairway team were excellent from start to finish . the process was easy. Thank you all

Julie K


Tom Santos and his assistant Jennifer were very professional and readily available during the loan process. Tom Santos gave us great service and an excellent interest rate on our home mortgage.

Eduardo r



Had an amazing experience with Tom and Fairway. He made sure we had everything in order so when we went to escrow it was a breeze. We closed early, ended up with money our pockets, and couldn't be more pleased! Thank you Tom, Jen and your entire team for making our move a great experience!

Kathy F


Tom and team helped me wade through a refi with a Hero Loan attached. Other finance companies wanted nothing to do with it or required that I pay the loan in full before the refinance would be approved. ( I didn't just have $25,000 just laying around) They were familiar with the Hero Program and the needed subordination that was required. Simple and fast.

Gwen G


Operations Manager

We couldn't say more positive things about our experience with Tom Santos and Fairway and if we could give more than 5 stars, we would as we received 10 star service. Tom was recommended to us from someone who had a great experience with him, so we felt more than comfortable working with him for our refinance. From the very beginning, Tom and his team would keep us in the loop, informing us every step of the way and answered any questions or settled whatever worries we might have had whenever we asked them. More importantly, right from the start we knew this was someone very knowledgeable of the process and would do whatever he could to make sure we were satisfied. We had a few unexpected hurdles, but Tom and his team tackled those and came through for us in ways we couldn't have even imagined. Even after the loan closed, he assured us he and his team would still be available for any of our concerns. This was a key factor for us. Tom is an awesome person to work with and we would highly recommend him for any of your home mortgage or refinance needs!

Jim M


For years, I attempted refinancing my first and second mortgages only to be met with roadblock after roadblock until I discovered Tom Santos @ Fairway Independent Mortgage. Having recently upgraded the air conditioning system and installed solar panels on my home through the HERO program, I found myself in an unfavorable position with most lenders. With much knowledge and expertise, Tom guided me through the various financing options available to me and my unique situation. After my divorce and numerous years of accumulated debt, with Tom’s help I can finally see the light to financial freedom! I’ve heard the entire process of refinancing can be a burden and a cumbersome one at that – not so with the Fairway team! My only regret was not calling Tom and the experts at Fairway Independent Mortgage sooner!! Do yourself a favor and call Tom today!!

Alex T


Tom Santos and the Fairway team were excellent from start to finish. Tom is very knowledgeable and answered all of my questions about my first home buying experience. Tom ensured that all of the appropriate paperwork for the Veterans Affairs was filled out correctly and forwarded it promptly. I cannot express enough how streamlined and efficient the home buying process was. Nearly all of the paperwork is completed via secured digital document signing which allows the process to move forward rapidly. Tom has continued to be attentive and responsive even months after I closed my mortgage. Thank you Tom and the Fairway team!

Brian H


Tom Santos was a huge help for us during our refinance process! He was very knowledgeable and available when needed. Would gladly use him again and refer him and his team to anyone!

Kate S


Fairway mortgage came through for my family and me during a very busy time of year We opened escrow the day before thanksgiving weekend and closed the day before Christmas weekend What a feat especially when Tom and his family were sick during that time for a week or two. That shows someone dedicated to get done what he promises Everyone at Fairway is very helpful and thorough making sure there are no hold ups or problems So thanks Tom and Jennifer and all the staff for a job well done

Fred P



Your office was amazing at keeping me calm during our varied bumps along the way. Thank you.

Timmerie M