Tom Santos is an Area Manager for Riverside County, primarily originating out of our Temecula Office. With over 27+ 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 thru detailed spreadsheets and allow the consumer to choose what is best for them personally. 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. Over the years, he has been endorsed by the State of California - Calhfa, due to his down payment assistance knowledge and execution. Tom Santos moved to the Temecula Valley in 1993. Since then, he has formed a team that consists of two loan officer assistants, one main processor, two closers, and several underwriters. This team has been hand-chosen to meet and exceed consumer's needs on a daily basis. This great team is the main reason Tom Santos closes on-time - every time. Tom Santos and his team commits to each potential client, Thursday Updates, Friday Realtor Updates, availability after-hours and weekends, and offering some of the lowest rates available. With ability to bank or broker, Tom has set his branch up to offer very tight interest rates for his clients when comparing to all competitors including Credit Unions, Banks, and Mortgage Banks. Having options appears to be the best formula in today's very complex financial, real estate, and news-driven marketplace. "As lenders come in and out of the market with interest rate pricing sharpness, having multiple options can allow us to get you the best possible rate. Lenders are dropping and raising rates to control heavy-volume - so having these options are a must in this market," according to Tom. Tom Santos for 7 years was also able to find time to host Mortgage Madness Radio on Saturday's on KTIE AM590, KFWB, and KCBQ, which brought some common-sense to all of the madness in the mortgage and real estate industry weekly. Re-broadcasts can be heard at www.mortgagemadnessradio.com. Tom over the years has given back some of his success to local families by managing 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-scholarships 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 spending time with his family, loves fishing off-shore, and loves watching baseball/football.