Tom Santos

Arbor Financial Group


214 Reviews


43015 Blackdeer Loop
Temecula, California, USA 92590

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214 Reviews






Tom and his team got us the refinance on our home that we were looking for at a great interest rate.

Constantin Q


The team was very responsive to all my questions, always answering my telephone calls right away, and being very patient with my many questions. I would definitely recommend them to any of my friends and family who need this type of service.

Gwendolyn J


We have used Tom Santos and his team many times because they always come through with the lowest rate when refinancing and with quick, helpful service when buying.

Kristine M


It's the end of 2020 -- a great time of restlessness, trepidation, and uncertainty. Fear and disappointment covered the land in a thick fog. Fortunately, Tom and his intrepid team led my wife and I through the mire to closing a refinance where the borrowers were self-employed and their business had suffered in the COVID economic downturn. Their patience with both us as client and the marketplace itself were stellar, and I can't imagine they won't show you the same value of overdeliver they showed us. Thank you, Tom!

Christian N


Tom and his team worked quickly and diligently to help us from start to finish in our process of becoming first-time homeowners. They updated us through every step of the process and answered all of our questions. Tom and his team didn't just work 9-5. They responded early in the morning and later in the evening. It was as if they worked 24/7 around the clock to get the job done! They were all amazing and I would highly recommend using them again and again!

Amber R


Tom and his team at Arbor did amazing at helping us get our home! They were very available via email, text & phone calls which really helped when we had questions about what something meant or what was needed from us. We were purchasing a home around the holidays and they still kept themselves available to talk to if we needed them.

Julia S


It's not easy buying a house now days, but Tom and his group at Arbor Financial are real professionals and provided us with excellent service when we recently purchased our forever home. We were kept updated frequently and they were always ready to give us updates when we had questions or concerns. My wife and I would highly recommend Tom and Arbor Financial Group! Our experience could not have been better.

David i


I called around to a couple lenders and even spoke with a friend of mine who does lending. I went with Tom because his experience in the industry is so evident when we came across any special cases (houses with solar contracts, etc), where he was able to lend knowledge that the other lenders and even real estate agents didn't know about. I picked him over a friend of mine because this was business and I had to go with someone I could feel confident about when I'm making such a large purchase. He was straight to the point, responsive, and if he was unavailable, then he provided me other contacts to talk to if I had immediate questions. He locked me in at a great rate, a lender credit, and even a 1-time option in the last 15 days of escrow to lock a different rate if the rates dropped. Absolutely top notch, and I've already recommended him to the few people who have told me they will be buying this year.

Holly Y


The timing was very hectic getting into our new home. Tom and his staff made it happen. Thanks!



With the help of Tom my wife and I were able to buy a beautiful house. The crazy times of 2020 and holiday season did not slow him down which really shows his dedication

Stephen S