Tom Santos began Mortgage Originating in 1993. He has also run Mortgage Banking Branches in Los Angeles and Southwest Riverside County since 1996, primarily originating out of the Temecula Area. His mortgage industry experience continues to drive a well-balanced approach to originating loans while managing our Temecula Branch as of today.
Tom has maintained Top Loan Officer and Top Branch recognition over his career. Even as the industry morphs, his knowledge of the industry, products, and guidelines provides consumers with clear and concise answers. Coupling this with simple options for a wide-spectrum of folks from a new first-time homebuyer to a high net-worth investor. His passion for pursuing the best option for you – the consumer, is partially what has driven him to be the trusted mortgage advisor for thousands of happy repeat clients over the years. He maintains, “My goal is to lay-out options via a spreadsheet and provide what is best for the consumer. We start with down payment assistance and go from there. I put my customer’s needs first and everything else seems to fall in-place. This is capped-off by a smooth on-time 30 days closing with some of the lowest interest rates available on the market. We strive to close on-time, every time.” Tom offers vast knowledge of FHA, VA, Fannie Mae, Freddie Mac, USDA, Jumbo, Manufactured Housing, and Hud 184 Products. He has routinely been endorsed or preferred by the State of California – Calhfa, due to his down payment assistance knowledge and execution for 26+ years. Tom has extended some of this knowledge to the general public by appearing on KFWB, KCBQ, and KTIE AM Radio over a 6 year span and these prior shows can be heard or viewed at www.mortgagemadnessradio.com.
The Santos Team offers many strategic solutions to consumers, to assist with mortgage planning and saving over their lifetime by discussing rent vs own, debt-consolidation, 30 vs 15 year fixed, and offering all of these thru our Total Cost Analysis Spreadsheet Approach, as an example. Tom offers a Value Proposition as follows: 1) His team will answer their phones after-hours and weekends – they understand when you are available, 2) his goal is to offer some of the most competitive interest rates available, 3) his team will give 9 milestone updates thru the process, 4) his team will give Friday Updates to all professional involved in the transaction, 5) they will offer all options available to you via our Total Cost Analysis Comparisons, 6) and they will strive to close on-time and every time!
Tom over the years has given back locally to families by managing and sponsoring girls travel softball. His philanthropy has allowed families of players to be coached by the best, play the best college showcases, have the best equipment and preparation, and all without a fee. This opportunity over the years, allowed for local young female athletes a local platform to gain acceptance and full-scholarship’s at major Division I Colleges, ie West Point, Purdue, Wisconsin, Villanova, and University of the Pacific to name a few. In his off-time, he loves to spend time with beautiful wife and his family, loves fishing off-shore, and loves collecting baseball cards with his son.
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Tom jumped through every hoop and managed every obstacle on the way to completing my purchase, keeping his cool and a polite, professional demeanor the entire time. He was completely on top of my loan from start to finish, utilizing skill that comes from years of experience to smooth out a complicated process. My credit history was less than perfect and I required down payment assistance, but Tom still got it done! I'll highly recommend Tom in the future. Tom gets 10 stars on a scale of 1 to 5!
Tom is very informative and his communication was great. He sent detailed spreadsheets breaking down every option for our loan. He also offered thorough explanations making the whole process simple and smooth. Tom was in touch with me throughout the entire process making sure that all my questions were answered and needs met. Even at points where nothing much was going on and we were waiting on the other side, Tom would call to touch base periodically to make sure that I was taken care of.