Tom Santos

Arbor Financial Group


166 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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166 Reviews






Thorough, helpful, would recommend.

Lucy J


Five Stars. Excellent team work. Indeed I was very impressed about your leadership and work effort. You delivered what you promised! Thank you very much Tom. I hope we will do future business again. Betty Wang.

Betty W


Caldwell Realty, Broker Associate

Tom Santos was our lender on a residential property we recently closed escrow on. Tom did an extraordinary job of getting this loan closed. Firstly, it was a "jumbo" loan which are difficult in today's lending environment. Then he had to work with a family trust, a "C" corporation, an ""S" corporation and a LLC. All of this information had to be sorted through and verified. Tom stayed on top of the loan and fought hard to get our loan. We had had over 30 years working in real estate and have had contact with numerous lenders and Tom stands out as the best. We will certainly recommend Tom to all our contacts.

Ruth u


Owners, Century 21 Wright

I worked with Tom Santos and his team and they were a pleasure to work with. He gave me options and lead me in the right direction. They went above and beyond to make sure I got the best rate possible. Since I was a first time buyer I had a lot of questions and he was very patient and explained things to me in great detail. I would highly recommend them to anyone.

Leana M


Customer / 1st Time Homebuyer

I attended a home buying workshop in February, hosted by Tom Santos and Val Ives, which advertised that you could buy a home with very little money down. I figured I'd go, but was confident it could actually work. I had been putting offers on houses for over a year to no avail. However, I left the workshop feeling extremely optimistic and excited. I'm a teacher, make a good salary, and had some money saved, but was struggling to come up with enough money down to qualify for FHA and all closing costs. I was extremely fortunate to qualify for the CHDAP down payment assistance and receive $10,500 to completely cover my down payment. It provided me with exactly the amount of money needed for me to buy my dream home. I ended up only needing approximately $3,700 to cover all of the closing costs and down payment. Both Tom and Val were amazing and helped me through what is typically an extremely stressful time. There were many late night calls from both Val and Tom explaining everything that was happending at the time with the loan. Their expertise and calm nature made this whole process rewarding and enjoyable. I will nevery buy a home again without both of them b my side.

Ariana K


Customer / Teacher

Having Tom & his team working on our loan was an absolute pleasure, they were professional, knowledgeable, honest and hard working. our homepurchase was a short sale so it was smooth sailing but they went above and beyond at all stages to make it as seamless as it possibly could be. Once short sale approval was granted (which was not Tom's responsibility) we closed escrow in 20 days!!!!!. I would go out of my to refer these professionals to anyone thinking of purchasing a home that requires a home loan of any kind. We won't use anyone else again.

Colin T


Short Sale Homebuyer / Customer