Tom Santos

Arbor Financial Group


181 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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181 Reviews






Tom Santos and Arbor Financial are one team that is hard to beat! From the moment of our first contact Tom gave us the feeling that he could meet our needs and he and his team did! The application process was extremely easy with the Arbor Financial secure portal that we were able to use for our loan application and all related documentation, etc. We are especially appreciative that in these extraorinary times (pandemic and all), we all plowed through and were able to accomplish the business transaction no matter what. Ours was not the typical purchase either as it involved a 1031 exchange transaction on an investment property and the timing of the purchase was critical. Tom continued to follow up with us throughout the process and he and his team, including Jennifer Ortiz kept us moving forward and 'on task'. We appreciated that so much! We will definitely look forward to a continued business relationship with Tom Santos and Arbor Financial and will be sure to refer friends and family! Thank you Tom and team!

Austin t


What a great group! Tom and his team were able to work with our challenged situation and get us financed with lower payments than we imagined. They were always available to us and answered all our questions, even the weird ones. We are so grateful for all the hard work and have already recommended Tom and Arbor Financial Group to friends needing a team on THEIR side.

Ben a


Tom and his team very informative and kind. If I missed an email he would send a reminder text I found that very helpful, sometimes I'll miss an email or two. Whenever there was anything to talk over my husband and I were included in email discussions, even if we didn't reply, sometimes it's just good to know what someone else is discussing about your future. Whenever there was something major to talk about tom and his team would ask me and my husband how we would like to move forward which very appreciated. A lot of people I've asked what goes into home buying said it's a nightmare and a lot of hair pulling but the hardest part was getting our info from paper onto the computer. Overall everything promised turned out better than expected like friendliness, availability for us, informative, and being a first time home buyer they got our closing cost a few thousand lower than expected.

Maria G


I just wanted to give a huge thank you to Tom and his whole team for what they were able to do for me and my family. We were with another lender for a refi and was very unhappy with them and called Tom and within a week we were on the way to a refi that the other lender was unable to do. We had a lot of requirements due to being in a chapter 13 which we were doing the refi to pay off and from the beginning Tom and his team went above and beyond to make sure that we were in good hands and the communication was excellent throughout and it was extremely easy to upload all the documents with their online system. We just closed yesterday and we can now put what was a tough time for our family behind us and focus on moving forward now. We can’t thank Tom and his entire team enough for getting a tough and difficult refi done for us!!!

Mike S


Nowadays I generally decline to share my input in rating a service because it's requested with almost each and every interaction, but in this case Tom Santos and his team of experts deserve my time and energy since they were exceptional in their service as to two loans. The application process, and amount of documents needed these days make applying for a new loan or re-financing a loan an incredible choir. Tom, and his staff, however, made the challenges bearable, and the savings I'm about to receive on my investment property and my primary residence will be substantial. It's alway tricky to know when to "lock in" to a rate, but Tom's advice was always thoughtful and logical. He was also prompt in taking or returning my calls to answer my questions despite how busy he was in juggling many nervous clients. I would recommend him and his "team" without hesitation for anyone seeking help with a mortgage of any kind.

Mark Z


REAL customers here, leaving a REAL review for Tom and his team who did a REALly great job answering all of our questions, delivering a super quick turn-around time to all of our emails and texts, even working on weekends to make sure we got the best deal out there. Mid-way through our refinance process we ran into a COVID related snag (not Tom's fault) and he worked quickly to resolve it for us. Tom and his team seriously deserve the 5 star rating. He's our guy and the guy we'll refer people to.



I am very satisfied and happy that I went with Tom. Tom and his team diligently worked and made it possible for us to lock in the lowest rate possible. Thank you Tom and your great team for making our home refinance as smooth as possible and I am glad that it happened without a hiccup while I'm on a business trip. I would definitely refer him to my coworkers and friends.

Bryan A


My experiences with Tom Santos and his team have been outstanding, however that is the reason I decided to do business with Tom and his team once again. They worked very hard to meet my expectations and very greatful for that and if someone should ever need these type of services I would highly recommend Tom and his team.

Francisco G


This is the third time we work with Tom and they have all been great! Tom and his team have helped us make the correct decision and save money. We highly recommend Tom and his team and look forward to working with him again.

Gabriela r


This is the 2nd time we've worked with Tom & his team and they ALWAYS come thru for us. Very professional and easy to work with. We will definitely recommend them to all our family and friends. Fred & Sherri Janssen.

Frederick r