Mortgage Lender and Veteran

I first met Todd at a networking group and he has been my go-to mortgage broker for at least eight years now. So far I've done more than a half dozen refinances with him, and the experience is always wonderful. I've worked with other mortgage brokers in the past, but Todd is definitely more personable. He takes a holistic view of everything and explains things very well - like why getting the absolute lowest interest rate isn't always in our best interest and what is the most beneficial way to do the loan. For example, in this case, we went for the rate that would give us a credit that would cover all of the loan fees, so I ultimately did not come out of pocket on the refinance. He takes cash flow and other cash needs with getting the right loan for us. One of Todd's areas of interest, in addition to standard mortgage financing, is real estate investing - he can discuss investing in properties for increased rent returns. Todd has amazing knowledge that goes well beyond the mortgage industry and can help guide you in the right direction. I'd absolutely call Todd again or recommend him to others in the San Diego area (or any other state he is licensed in).

I know Todd from the mortgage industry, as I've worked in that field myself in the past. When it was time to buy a home, Todd was the first person I called for my home loan. What makes Todd stand out as a great mortgage broker is his efficiency. Instead of being like a salesperson and trying to sell me on all the rainbows and butterflies, he was efficient and told me what our actual obstacles would be and helped navigate through those obstacles. I could always reach him, and he responded immediately, even on weekends. With his help, I secured a competitive rate, and the entire home loan process was smooth and easy to follow. His processor, Janet, was equally impressive - highly responsive, detail-oriented, and professional. She didn’t just tell me what I wanted to hear; she provided exactly what I needed to know. Together, Todd and Janet make a reliable team for anyone seeking mortgage services, home loans, or refinancing guidance. Todd is the only person I'm going to call when we're ready to refinance, and I'd recommend him to others.

​From the first call, Todd at Swanson Lending made navigating a VA home loan feel completely doable. We were introduced through our realtor, and the process ended up being smoother than I could have imagined. He was always super efficient and made sure all our questions were answered right away. This was my first time ever purchasing a home, so I had to learn basically everything about home loans, which was very stressful for me, but Todd made it incredibly easy. I especially like that he's a retired Marine because I'm a former Marine myself, and I'd rather give my work to somebody who has put his life on the line for the country instead of just Joe Schmo. Todd has a ton of knowledge about VA loans and all the requirements, and he handled everything smoothly, including rolling a solar loan into our home loan to meet VA guidelines. He and his team did such a good job for us and it was smooth sailing throughout the whole process. I highly recommend Todd to anyone in the Menifee, CA area looking for a reliable mortgage broker or VA loan expert.

Working with Todd and his Team was streamline and easy. The Team shows up and knows how to navigate the different hurtles. Their online system is great for submitting items and checking on the progress or details of the loan. We appreciate you guys. Thanks again

We had the pleasure of working with Todd at Swanson Lending for our first mortgage on our first home purchase, and we cannot recommend him highly enough. From start to finish, Todd was incredibly helpful and knowledgeable. His deep understanding of real estate, investing, and the home buying process made us feel so at ease when purchasing and financing our new home. Todd, Dominic, and Nicole took the time to explain all our options and ensure we felt confident with our decisions. Their expertise and supportive approach made the experience much smoother and less stressful than we anticipated. Swanson Lending has an amazing team of dedicated professionals who truly care about their clients!

It was delightful and professional doing business with your company. Todd and Nicole were very helpful and patient to get me throughout the process. Thank you very much.

I highly recommend Todd Swanson and his team to anyone looking for a mortgage. They provided me superb service every step of the way through closing on a real estate purchase with a great mortgage rate.

It was such a pleasure working with Todd and his team to purchase our home. I had a lot of anxiety about buying a home as I wasn't sure we would qualify for a house big enough for our family of 8. After our first meeting with Todd, all that anxiety was gone and the home search became really exciting. My husband and I were able to enjoy the process as Todd and his team handled all the not-so-fun details of our purchase. I highly, highly recommend Todd to anyone who has a desire to purchase a home, or anyone who has questions about the process and doesn't know where to start.

I give you a 10 out 10! The team is very professional and responsive. I personally appreciate not being kept in the dark and receiving regular updates. Also, the team seems to keep my best interest in mind. For instance, I was told by another lender not to shop around and not to move funds between my accounts under any circumstances, while your team encouraged me to compare and get an understanding of the loan costs, and also suggested to move all funds into one account, so I don’t need to pay wire fees for each transaction when transferring funds to the escrow account. I couldn’t believe it! Thank you again for taking me as a client last minute and assisting me with getting a loan.

Thanks again for running me through all our options and reviewing my plans for my families financial future. I just wanted you to know your sincere desire to help and do what's best for me really shows and I can tell you'd do that with someone who isn't as close as we are.
I also wanted to mention your staff and their professionalism. You have obviously instilled in them your own passion and attention to detail. I know I shouldn't be surprised having seen your management up close and in person. Your team is on top of their game, with quick professional responses, a genuine urgency to complete the mission for their client while adding that soft touch making you feel genuinely cared about.

Just wanted to shoot that off to you, I've noticed it in all the times through the years we've worked with you.

On a scale of one to 10 you are ALL definitely a solid 10 Thank you again for having such a great group available to help me through the entire process. I now feel very capable and comfortable in beginning and completing my refinance, thanks to all of you. I feel at ease, and I trust the guidance and the people that I have had the pleasure to get to know throughout these years. Thank you for your caring and your professionalism in everything you do to help me with the refinancing process of my homes.

Financial support you can trust Todd Swanson’s team has worked tirelessly for me several times now to lower my interest rate and help me procure much needed loans for home improvement. I always feel supported respectfully and efficiently by the Swanson group and Todd and his people consistently operate with integrity and transparency. I am a public school teacher, and thus not a high-income client, but this never matters to Todd Swanson’s team. They work just as hard regardless. It is refreshing to fully trust people who are providing financial services, which is why I continue to do business with Todd Swanson. I highly recommend you do the same.