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/

Buyers have more leverage today than they’ve had in years. That’s true.But Spring is still one of the busiest times to b...
06/22/2026

Buyers have more leverage today than they’ve had in years. That’s true.

But Spring is still one of the busiest times to buy, especially if you’re looking in a popular area. So, it never hurts to make the best offer you can to catch the seller’s eye.

And stand-out offers are about strategy as much as speed these days.

If you want help crafting a strong offer based on what’s happening in our market right now, DM me.

Nearly 40% of potential sellers say they're planning to offer concessions this year – up from 30% in 2025.That increase ...
06/16/2026

Nearly 40% of potential sellers say they're planning to offer concessions this year – up from 30% in 2025.

That increase means you could see more flexibility on things like sellers covering your closing costs, adjusting the price, or making repairs.

But what’s worth asking for and what’s a long shot will vary depending on where you’re looking. That’s where I can help.

DM me and let's talk about what concessions make sense in our market. Because, for buyers, the right ask could save you thousands.

Be honest. Have you started looking at homes online yet?Because if you have, it’s already time to get pre-approved.While...
06/11/2026

Be honest. Have you started looking at homes online yet?

Because if you have, it’s already time to get pre-approved.

While you may be tempted to wait until you’re really serious about a house, that actually puts you behind the game.

The better bet is getting pre-approved before you fall in love with something.

It’ll give you clarity on what you can borrow, your ideal price point, and what your monthly payment could look like. That’s information you’re going to want up front, so you don’t fall for something outside of your range.

Plus, when a house you love hits the market, you’ll be ready to go – not scrambling to figure it out.

If you’re about to start looking or just casually browsing, let’s talk about where to start.

Talk about the housing market can feel loud and confusing, especially when you’re hearing so many different takes. If yo...
06/06/2026

Talk about the housing market can feel loud and confusing, especially when you’re hearing so many different takes. If you want to understand what these trends mean for your goals, let’s connect and walk through it together.

Whether it’s at a family gathering, your company party, or catching up with friends over the holidays, the housing market always finds its way into the conversation.

It’s easy to get caught up in headlines that make it sound like something big is about to happen. But don’t be fooled. T...
06/04/2026

It’s easy to get caught up in headlines that make it sound like something big is about to happen. But don’t be fooled. The housing market isn’t crashing. It’s just shifting.

The key is understanding what’s actually happening in your market, so you can make the right move for you. Let’s connect if you want the local perspective.

Spend about 5 minutes online searching for news about the housing market, and odds are you’ll see something pop up about home prices.

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.

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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