Tom Santos is an Area Manager for branches in Riverside and Los Angeles Counties, primarily originating out of our Temecula Office. With over 24 years of mortgage industry experience, he continues a well-balanced approach to originating loans and managing branches. Tom has maintained Top Loan Officer and Top Branch recognition over his career. His knowledge of the industry allows consumers clear and concise answers, simple options, and the ability to assist 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 for each consumer and what is best for the consumer only. 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 and on-time 30 days closing. 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 is also endorsed by the State of California – Calhfa.