Tom Santos

Arbor Financial Group


181 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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181 Reviews






Tom and his team's attention to detail was outstanding, they were available to answer questions during normal business hours, after hours, and even on weekends. The team's efficiency in processing the mortgage coordination with the escrow company and realtor far surpassed any other mortgage companies I have ever dealt with.

Robert C


Tom and his team were professional, honest, quick, and caring. We were extremely happy to work with them and highly recommend them!



Great working with Tom and team. Very friendly and easy to work with.

Tyler F


Have refinanced many times in the past and have to say that this one was by far the most user friendly experience ever. Direct communication with Tom was a constant even when he knew someone else was supposed to handle something. Definitely appreciated the quick, knowledgeable, and professional service provided.

Bryan W


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