Swanson Lending

Swanson Lending Todd Swanson is a mortgage consultant with C2 Financial Corporation, the largest Mortgage Broker in the US

Todd Swanson is a branch manager of C2 Financial Corporation, the largest Mortgage Brokerage in CA, which provides financing for 1-4 unit residential properties thru its vast network of nearly 100 lending institutions. Todd has many solutions for small business owner's and independent contractors who don't meet traditional financing guidelines; solutions such as non-traditional ways to prove the a

bility to make payments. An additional expertise is in avoiding a full or partial reassessment of the property taxes during an inheritance buy-out (one heir wants to keep the home and the remaining heirs want cash). With 27+ years in Marine Corps, Todd personally specializes in Veteran’s Administration (VA) loans. AZ MLO-1043112, CA BRE #01162260, CO #100509491, FL # LO65948, HI -242366, MI DIFS, NV MLD 55208, OR #242366, TX #242366, WA # MLO-242366, NMLS Consumer Access, https://nmlsconsumeraccess.org/

Foreclosure activity may be rising, but it’s still well within a normal range – and nowhere close to the danger zones of...
06/02/2026

Foreclosure activity may be rising, but it’s still well within a normal range – and nowhere close to the danger zones of the past. But the headlines are doing more to terrify than clarify. And that’s exactly why having a trusted real estate expert you can call on is so important.

When you hear something in the news or see something on social about housing that worries you, please reach out so you have the context to understand what’s really happening and how it impacts you (if at all).

If you’ve seen headlines saying foreclosure activity has been climbing for 10 straight months, it’s easy to assume that's a sign of trouble for the housing market.

Online posts are going to make things sound worse than they are. If you want a true, data-bound look at what’s really ha...
05/30/2026

Online posts are going to make things sound worse than they are. If you want a true, data-bound look at what’s really happening in today’s market, lean on a real estate agent.

Let’s connect so you have someone to separate fact from fiction today.

There’s a lot of uncertainty right now and that’s leading to some dramatic headlines.

Scroll through your social feed, and you may come across something that says investors are buying all the homes right no...
05/29/2026

Scroll through your social feed, and you may come across something that says investors are buying all the homes right now. But housing market data tells a different story.

Only 0.4% of the 86 million single-family homes in the U.S. are owned by large investors (those with over 1,000 properties) today. That's a lot less than headlines would have you think.

So, if that’s been shaping how you see your chances of buying, it might be worth looking at things a little differently.

Want a quick breakdown of what’s really driving today’s market? DM me.

If you’re worried the number of homes for sale is rising out of control... You think prices are about to crash... Or you...
05/26/2026

If you’re worried the number of homes for sale is rising out of control...

You think prices are about to crash...

Or you’re holding off because you think rates are about to drop dramatically...

Here’s what I want you to know.

While you may be hearing those things online, the data doesn’t back any of that up.

So, if you’re reading something or you see a post online that makes you second guess if you should move right now, don’t just take it at face value. DM me.

I’ll tell you what the data really says about the housing market today, so you can make a decision about your timeline that’s based on fact, not fear.

A lot of homeowners think they can list high now and negotiate later, but that’s a mistake that costs them. And it’s the...
05/25/2026

A lot of homeowners think they can list high now and negotiate later, but that’s a mistake that costs them. And it’s the reason only 4 out of every 10 sellers are getting their asking price or more.

If you want to be in that group, it starts with getting the price right from day one.

Let’s connect so we can make sure you are.

Most sellers come into the market with one number in mind. And it’s often the one that costs them the most.

05/23/2026

Do you know what your house is worth today? To get your free, no pressure home value estimate, send me a message.

Selling your house is absolutely possible right now. But you can’t approach it the same way you did in 2021.Buyers have ...
05/22/2026

Selling your house is absolutely possible right now. But you can’t approach it the same way you did in 2021.

Buyers have more choices today, and their expectations are higher. You have to adapt your strategy based on that.

I put together a breakdown of the biggest mistakes some sellers are making this year, so you know how to get ahead.

Message me and I’ll send you the details. The right approach changes everything.

The sellers who succeed in this market aren’t doing anything extreme. They’re pricing their house right, making strategi...
05/21/2026

The sellers who succeed in this market aren’t doing anything extreme. They’re pricing their house right, making strategic repairs, getting local guidance, and making decisions based on how buyers actually behave today. Those small but mighty mindset shifts could make or break your sale.

Want a real plan tailored to your home and your neighborhood? Let’s talk.

Let’s be clear: selling your house is absolutely possible right now. According to the National Association of Realtors (NAR), roughly 11k homes sell every day in this country.

80% of homeowners still expect to get their asking price or more when they sell. But right now, only about 40% actually ...
05/19/2026

80% of homeowners still expect to get their asking price or more when they sell. But right now, only about 40% actually do.

That might sound surprising, but it’s not. It’s normal.

The issue is where those outdating pricing expectations are coming from.

Some sellers are still pricing high just to “see what happens.” And that strategy doesn’t work now that inventory has grown.

When a house is priced above where it should be today, buyers don’t negotiate. They move on to other options.

That’s when homes sit, and sellers have to slash prices – sometimes below what they could’ve gotten if they’d just priced right from the start.

That’s why the sellers getting the best results right now are doing something different.

They’re pricing at (or even slightly below) market value from day 1. Because that’s what creates demand early and puts you in a position to sell faster… and potentially for more.

So don’t price based on the past. Price for today’s market.

If you want to be part...

Address

12230 El Camino Real #100
San Diego, CA
92130

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16192263234

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