Tom Santos

Arbor Financial Group


167 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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167 Reviews






Tom Santos and his team at arbor Finacial worked hard to guarantee the success of our loan. Our particular situation had a few extra hurdles in it due to it’s unique conditions but toms team saw the whole thing through to the end. This was more then just a home purchase for my family, this is our forever home. We couldn’t be happier with the results! I have already recommended Tom and his team to others we know. Tom and his team will go the extra mile to get you and your Familly in the home of your dreams! Many thanks to Tom Santos and Jenifer Ortiz for all your hard work😎



Once again Tom and his team have provided us with excellent service. My husband and I have used Tom for the last 20 years exclusively, this time for a refinance. He is very informative no matter the situation and will spend the time necessary to educate you about the loan program you are considering. We have confidence in Tom as he has never steered us wrong and he always seems to have his finger on the pulse of the market. We trust that he is candid with us and puts in the work to get us the best deal. We will always HIGHLY recommend Tom for any of your mortgage needs!

Heather S


I have used Tom and his team on several purchase transactions with great service and success! Always smooth and on-time.

C. W


We had an outstanding experience with Tom Santos and his team at Arbor Financial Group and I would highly recommend them to anyone looking to purchase a home. Tom made our home buying experience very smooth and he delivered on everything he said he would. We closed on time and he was very efficient and timely with all communications and getting the job done perfectly. He really looked out for what was best for us, and we truly appreciated his exemplary expertise.

Christine C


Very efficient and reliable, I was ready to close escrow on my new home a week before the buyers of my property.

Julio S


Tom was very knowledgeable and very patience with me, I know that this is his job but he made me feel very comfortable, and secure. His knowledge with military requirements/documents made my entire process easy. I am glad I was able to get my home with him. Thank you Tom!

Karla A


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.