Tom Santos

Arbor Financial Group


151 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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151 Reviews






Our experience with Tom and his team was great! This was our first home and Tom made sure we understood the loan process and explain the stage we were at and what we should expect at all times. Process was quick and easy. Tom presented to us different options and recommended the best one for us. At the end Tom came up with even better numbers in our favor, more than we were expecting. I would highly recommend Tom and his team. Thank you Tom for making this experience so great, and for helping our family attained our dream home!!!

S. V


Very professional and everything was explained in very simple terms. I was updated on changes and I highly recommended Tom Santos and this great crew. 5 stars out of 5 for him.

Joseph B


This was my second refinance and working with Tom and Jennifer. They are simply outstanding to work with. They are professional and very responsive to all our needs. Their rates and fees are also very competitive. We will definitely do business with them in the future!



Tom and his team are professionals that have the experience needed to make the home purchasing process smooth. They were always available for my questions early in the morning and late at night. They answered any questions or concerns I had and made me feel comfortable about asking simple questions. We closed on time even when I made some changes that should have pushed the close. Tom, Jennifer and John are great to work with.



The team at Arbor was great. Closed ahead of schedule which was less than a month. No hiccups and Tom overestimated my total closing costs so there we no financial surprises and I actually came in less than projected. Great professional team.

Jon G


Good communication, informative, friendly, and honest.

James P


Tom Santos is a very talented professional.  He can come up with creative solutions to make things work.  We are so happy that he and his team helped us to secure the loan and complete the transaction.  He also kept us in the loop and brought all involved parties onto the same page with any progression or hurdle during the process.  It has been an amazing experience with Tom and his team!

Kelly R


Tom is very nice and knowledgable.  Compared with other lenders we worked with, he can find solutions to financing problems most others can't.

Kevin W


I felt confident right from the start that Tom would sort through all of our options with wisdom and a high degree of transparency.  We are very glad that we chose him and his team for our first mortgage.

Samuel K


Tom was very knowledgeable, responsive, and if there were any bumps, he made an effort to smooth them over.  Tom's knowledge of the area was also key to our decision, not to mention low rates and fees.  I would absolutely recommend Tom to anyone relocating to Temecula.  Thank you!

Michael B