Tom Santos

Arbor Financial Group


167 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

Leave a review

Testimonial Submitted Successfully!

Thank you for your feedback

Leave a Review
Read Reviews
167 Reviews






Tom and team did an outstanding job. the process was as seamless as it could be. We proposed a closing date up front and ended up closing early than that - across a holiday season - due in large part to Tom's team's effort.

John M


Tom & his team were great to work with again. His patience and tenacity were so helpful in meeting our needs!

Desirée W


Tom and his team have been a great help to my wife and I. They listened carefully and helped us through the entire process of financing. When we found that our seller wanted a short turnaround time, Tom and his team stepped up and got us through refinancing our home, and purchasing a new one. We are very grateful to Arbor Financial and their excellent staff!

Gary V


This is the third time we work with Tom and we are very happy with his service. Tom and his team are very reliable and efficient. Gaby and I will definitely rely on Tom and his team again with our future financial needs.

Gabriela r


As always Tom, you and your team have done a stellar job for us. As Realtors we work with many different lenders & have learned that you and your team are heads & shoulders above the rest. Thank you for giving us a wonderful experience & always looking out for our best interests, we will continue to refer our business to you, Jack & Ellen Watkins

Ellen W


Tom is very patient and works hard to educate the customer and help them get exactly what they want. He is working nearly round the clock to make sure he is available at any time or any place. In the rare instance that he’s not available, he has a great team to support him and help out the customer. We have worked with Tom twice now. Once on a purchase and again on a refinance. If I have the need again in the future, I’m definitely keeping Tom at the top of my list. I give him my highest recommendation.

Mike V


Working with Tom and Arbor Financial was an unexpected delight. Being as this was my first VA Loan home purchase and the second loan company I have worked with, I was a bit weary; however, Tom and his team were easy to work with. Arbor Financial consistently kept me informed, was responsive and happy to answer my multitude of questions, processed/collected all required documentation quickly and efficiently. I would highly recommend Tom and Harbor Financial.

Will P


Mr. Santos was referred to me by my real estate agent who was very picky for my benefit and took an excellent care of my needs. I appreciated her work including the excellent referral to Mr. Santos' office. This is not the first house I bought and I actually have contacted a different mortgage group of which I have worked with previously before contacting Mr. Santos. I ended up contacting Mr. Santos and I filled out an easy application online. Very shortly after his office went to work on my loan. I couldn't have been more happy with their services. They kept me informed with any changes or updates. I was able to upload all documents to their secured website, but the best thing about my experience was the trust I had. I knew this office was about taking care of people and about benefiting them. Everyone knows that banks and financial institutions are businesses to generate money, this office generates money, but I found out that to them what's most important is trust, taking care of their customer and the needs of their customers. I appreciate offering the different options, explaining the options and helping me chose the best route for my needs.

R. T


This was the first time I utilized Arbor Financial Group, and was extremely satisfied with all of the staff I worked with. As an example, Tom and his team provided constant updates and kept timely appointments from their appraiser to notary which saved me time as I work about an hour away. Further, using electronic software to complete the application and loan documents made this the easiest refinance I have ever done! I would highly recommend Tom and his team.

Gary O


As first time buyers.. we are extremely grateful to have worked with Tom Santos. He was not only professional but was also very thorough. He would also make time for us to answer any questions or go over things we didn't understand. In the end we got a good deal with a great rate. We definitely look forward in working with Tom in the future.

Veronica V