Tom Santos

Arbor Financial Group


181 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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181 Reviews






Tom Santos from Fairway Independent Mortgage and his team of professionals were a pleasure to do business with once again. They always are very responsive in our times of need. Buying a house can be very stressful especially if you don't have a seasoned lender like Tom. I've been doing business with Tom for many years and let me tell you he always comes through. If you want to be treated like a friend instead of just another number I would give him a call!

Tom we really appreciate you and your team handling more than just the loan when it came to all the advice and knowledge you gave to us and our realtor. It was over and beyond the call of duty. Below are answers to your questions:

• Did we close early or on-time? We closed on the exact day that Tom said we would.
• Did my team and I keep you informed thru the process? I have been using Tom for a long time and his team always keeps us up to date and is very responsive.
• Did my team and I know what we were talking about? Tom and his team are very knowledgeable and always have the exact answers I needed.
• Were your closing numbers in-line or better than all original disclosures? Our closing numbers were exactly what Tom said they would be.
• Did we meet or exceed your expectations? As always our expectations were met once again using Tom Santos and his team of professionals from Fairway Independent Mortgage.
• Were we knowledgeable of the products, programs, and terms? Absolutely.
Thanks again,

The M



My husband and I had a wonderful experience in working with Tom Santos (Fairway Mortgage Co.) in purchasing our home recently in Temecula. The process was complicated by the fact that we were not residing in the area, and we were also applying for a VA loan which involved commuting issues. Tom's knowledge and professionalism proved invaluable in guiding us through the entire process, from beginning to end. Every part of the process was handled in a timely manner and we were kept informed and updated every step of the  way. We feel that it was his support and guidance that led us to be able to purchase and eventually close on the property. We are extremely grateful to Tom and his team for all of their hard work and dedication. I would highly recommend Tom Santos to anyone wanting to obtain a mortgage.  You will be happy with the results!

Karen O



Tom, I want to thank you for your very professional job and going above and beyond to get my loan in a timely manner. I know that my loan was extremely difficult because all of my income is derived from sale of investments with no W2 income. This was compounded by the approx.. 30 plus tax returns I file in addition to this being a second home and not my primary residence. You and your staff did an excellent and more important “timely” job so that my wife and I were able to get our dream home. Thank you and I highly recommend you and your company to anyone seeking a loan.

Bob J



I met Tom thru my client, she heard about him on the radio and she did her own research. She contacted me once she had a solid approval.

I already had an idea of the Calhfa program but had never met a lender who will really take that extra step and actually deliver. It was right when changing company names which made it seem more doubtly honestly. But Tom responded my calls/emails/texts all the time and gave me assurance of approval.

Once we opened escrow, communication was smooth, we received weekly updates. The whole process was very accurate and precise with our time line. We did it in 45 days, and the delay came from the seller side.

I have recommended Tom in my office with some fellow agents at Coldwell Banker VIP.

I'm available any time if you need more reference from Tom and his team.

Rodrigo J


Coldwell Banker VIP / (562) 714-8434 / BRE# 01913005

Working with Tom Santos and Fairway Independent Mortgage Corporation was a life saver. I came in having questions on either assuming a mortgage or refinancing. Tom explained all my options and helped me realize what would be in my best interest. From there, the process of applying for, through the funding of, my loan was a piece of cake. Their paperwork process is done securely online, which cuts down on the turn around time. If I had questions along the way, Tom or Jennifer where there to answer. This was by far the easiest and fastest home financing I have ever done. I would recommend Tom to anyone looking for an ally in the world of home mortgages.

Jane M



Working with Tom Santos has been one of the best experiences of my life. I never thought I'd be able to afford owning my home until Tom showed me how. His knowledge of the programs available and the efficiency with which the transaction was handled made everything run smooth as clockwork. I will highly recommend him to anyone who is in the market for a property.


Gail F


Customer, Multiple Lines Representative at Lisa Perez Houghtaling State Farm Insurance Agency

I have known Tom Santos since 1992. At that time Tom had just graduated from college and was a very ambitious new lender in Temeula. In contemplating his youth and lack of lending experience, I rnust say I didn't take him too seriously. Much to my surprise, he quickly became my "Number One Lender of Choice". His knowledge, accuracy, and attention to detail won me over. That was over twenty years ago. During those years he has done loans for my real estate clients, loans for my husband and me, and loans for our daughters! He is quite simply; the best.

Nancy K


Realtor, Rancon Real Estate

I would like to thank you so much for another successful, on time, 30 day closing in Jurupa Valley. It was unfortunate that my clients did not walk their tax returns into their local IRS office and have the 4506t form stamped at the window. We are all so thankful you were able to work around the non-response of the IRS in responding to your request for the validated form.

Once again, you and your team "pulled a rabbit out of your hats."

Anne M


Tom was very professional and knowledgeable. He communicated regularly with both me as the agent and my buyer. The loan closed on time and he was proactive in avoiding any snags before they would arise. I would recommend Tom Santos.


Barbie B


Rancon Real Estate

Tom did a great job. I have been in the business for 23 years and trust me when I say that Tom is a true professional. Not only did he perform in funding my loan early, but was very consistent in keeping me (the listing agent) updated on his progress each and every week. When every I see Tom's name associated wit an offer I receive, I will always know they are in great hands.

Larry F


Realtor, Allison James Estates & Homes