Tom Santos

Arbor Financial Group


181 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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181 Reviews






Tom and his crew exceeded expectations! He had been working with Mr & Mrs Silva to prepare them for their purchase. Once he called and said they were "good to go", we found the perfect home. The VA loan went from contract to close in less than 21 days! I've been doing this over 25 years and I honestly don't remember an easier transaction!!

Thank You Again Tom & Crew

Vicki P


Rancon Real Estate

Once again you and your team managed to help my client get into his dream home! The funding entailed an FHA loan, CALHFA loan, & a down payment assistance loan. Not only did you manage to get these approved and funded but you were able to fund early! By closing early my client did not have to move twice! Thank you so much for your hard work, ethical approach, and efficiency. Anne Musgrove Musgrove Real Estate Coldwell Banker Residential Brokerage.

Anne M


Musgrove Real Estate / Coldwell Banker Residential Real Estate

Tom and his staff (Jennifer and Kristen) were nothing short of amazing. All three of them were quick to respond and provided updates on mv loan throughout everv step of the wav. I have zero complaints and would recommend them to anyone interested in purchasing a home. I am active duty military and they made the VA Loan and home buying process a breeze.

Joseph B



Perfect always! Jodi@Rancon Presidents/Platinum.

Jodi D


Rancon Real Estate

I couldn't have been happier with the outcome of my home purchase. I've always heard so many horror stories of "paperwork getting lost", hundreds of conditions that are near impossible to meet, missing lcosing dates etc. So that is what I expected going into thei process. I'm happy to say... none of that was true! We had an extremely smooth home purchasing experience. Tom and Jen went above and beyond to make sure that happended. I will always refer Tom and his team whenever I hear someone is looking for a loan... and I will definitely beusing him again for any other finance needs I have.

Dara S


Customer / Worksfire

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