Tom Santos

Arbor Financial Group


201 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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201 Reviews






Tom Santos came highly recommended by my realtor as one of the most reputable loan managers in Temecula, and he certainly lived up to it. Working with Tom and his team was a breeze. I was explained the loan process clearly and in detail every step of the way, so there was no ambiguity about what I was getting. Tom was constantly monitoring the market to see how rates were changing and we were able to get the best rate possible on our new home purchase. I was able to sign all documents electronically so we could move quickly. His team was very responsive to all my questions and needs. I would recommend Tom and his team to anyone looking to purchase a new home. Great job!

Jawad M


Tom and his team answered every question I had in a very professional manner. It had been almost 15 years since I had bought a new home and things had changed! The whole experience went smoothly from beginning to end which is a reflection on Tom's dedication to having everything documented and answered ahead of time. I would certainly recommend Tom and his team!!

Catherine K


I was referred to Tom Santos by my Realtor Paula Michalski. I could not have been more please with the service that Tom and his team provided to my wife and I during the purchase of our new home in Murrietta. The first home I bought over 24 years ago was a nightmare process, so that is what I was expecting this time. But, nothing could be further from the truth. Tom made this entire process seem so easy and painless that it just didn't feel like it was really happening. He had everything done well before I was even able to ask questions. The entire home buying process took less than 3 weeks. I could not have been more pleased with his services. I would recommend him to anyone who is looking at purchasing a home.

Dann C


Program Manager General Atomics

Tom Santos and his team at Fairway Independent Mortgage were extremely helpful with the purchase of our home. When trying to purchase a home it can be extremely tough at times, with all the conditions and terms involved when securing a loan. Tom and his team were very informative of all the loans that were available to my wife and I. We were able to close in record time (26 days) with NO MONEY OUT OF OUR POCKET and were able to get down payment assistance and help with closing costs. Instead the $12k we had for the down payment went towards our debt enabling us to concentrate solely on our mortgage payment. Tom and his team we able to deliver on every promise they made to us and were always available to answer any questions that arose during the process. I would strongly recommend to Tom and his team to anyone who are looking to purchase a home. My wife and I are extremely grateful for all the hard work and diligence his team showed to make our dream of being homeowners a reality.

Robert M



Tom Santos and his team from Fairway Mortgage made our dream of becoming homeowners a reality. After a long extensive search for more than a year we can finally say that we have achieved our goal of being a homeowner. This wouldn't be possible without the help of Tom and his team. They walked my husband and I through the whole process, which can be nerve-racking at times. They were always there to listen and explain all the steps going forward. Due to their diligence we were able to close quickly and without NO MONEY OUT OF POCKET. The money ($12k) we were going to use as a down payment went directly to pay off our debit. We were approved for down payment assistance as well as help with closing costs. We feel extremely blessed to not only be homeowners, but to be in a better financial situation overall. From the beginning Tom and his team fulfilled all their promises to us and never waived on delivering nothing but the best service. If anyone is looking for a lender that will be there and walk with you through this process I highly recommend Tom and his team at Fairway. You will not be disappointed with their service.

Andrea V


Home Buyer

Tom and his team are the most professional group of people I have had the pleasure to work with . You truly are a perfect example of how the loan process should be to all the lenders. Being a Realtor since 2001 its refreshing to see this level or service exists for my clients , I will continue to use your team and look forward to continued success!

Daniel C


Help U Sell.....and Buy! East Valley

Tom was wonderful to work with, he was so helpful and knowledgeable, he made stressfull process go so much more smoothly.



Getting my VA loan through Tom Santos was quick, easy and painless. I highly recommend him for a VA and any other loan for that matter. Great to work with him and his team of highly professional individuals there at Fairway. They made this process as easy as possible. He really worked for me and my best interest. Thanks again Tom! Ed

Ed M



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