Swanson Lending is a San Diego mortgage brokerage at 7290 Navajo Rd, Suite 104, in San Carlos within the 92119 ZIP, led by branch manager Todd Swanson (NMLS #242366, California DRE #01162260) under the C2 Financial Corporation umbrella. Swanson has carried the Certified Mortgage Planning Specialist designation since 2006 and served more than thirty years in the Marine Corps Reserve, and that military background drives his VA loan specialization across first-time VA purchases, VA-to-VA refinances, and dual-entitlement scenarios. Loan products beyond VA include conventional conforming, FHA, jumbo, HECM reverse-mortgage, and construction-to-permanent programs — the renovation and new-build financing that San Carlos general contractors such as Straughn Construction Inc encounter when clients need draw-schedule coordination alongside permit timelines. Navajo Road's 7290 office complex sits near Cowles Mountain, anchoring a financial-services cluster in the commercial strip between Lake Murray Boulevard and Jackson Drive. Swanson also holds a California real-estate license, letting him represent buyers on the purchase side while originating the mortgage on the same transaction — a dual-capacity structure that reduces handoff delays between contract ratification and loan-document delivery. The San Carlos family market that drives first-time-homebuyer volume includes households drawn to the neighborhood's school infrastructure and recreation access, from Lake Murray trails to early-childhood programs such as San Carlos KinderCare, and Swanson's conventional and FHA programs calibrate pre-qualification letters to those household budgets. C2 Financial's wholesale-lender network — more than 100 lender relationships across the country — gives Swanson access to rate sheets and underwriting overlays that a single retail bank cannot match on pricing or turn time.