Tom Santos

Arbor Financial Group


207 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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207 Reviews






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



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