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About Us

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Dan Williams

Licensed to originate mortgages in:CO #100513174, CA #01727411, AZ #0927234, FL LO41310, NV #58270, Idaho MLO-2080282193 and Hawaii HI-282193, ID MBL-9475, MS 282193, TN S-282193, South Carolina, OK MLO30580, TX

11622 El Camino Real Suite 100, San Diego, CA 92130
NMLS #135622 DRE # 01821025

Designations: Certified Mortgage Planning Specialist, Certified Divorce Lending Professional, Certified Liability Analyst

What I do is help people who are looking to buy, sell or refinance residential real estate using a traditional or a reverse mortgage (1-4 units) and are concerned about paying interest that they could otherwise be investing.

How do I do that? I work with my clients to help them analyze and determine the most efficient way to borrow so that they can reduce their total cost of borrowing and help them direct more of their money to savings and investments. I use our cutting edge Borrow Smart Analysis Tool to bring to life these savings and help my clients choose the best path to take with a Mortgage or even without a mortgage.

Specialties: Certified Liability Advisor, Helping Veterans and Active Duty Military with their mortgage needs, First Time Home Buyers and their mortgage needs, and analyzing my clients cost of borrowing. Also, I use a proprietary spreadsheet for those wanting to quantify a residential real estate purchase they will use for investment purposes.

I also teach classes on Database Management, Investment Property Analysis and First Time Home Buying and the effect a mortgage can have on their wealth. My Investment Property Analysis Class in now CE Approved by the California Bureau of Real Estate!

Visit my website at

I have a passion for endurance sports and have completed 14 Ironmans to date.

John Thompson

THIS IS WHO I AM: Since 1991 my team and I have been showing clients how to make SMART MORTGAGE and real estate decisions. We are Generational Lending Experts – From First Time buyers through advanced retirement planning strategies involving Reverse Mortgages.

WHO: Our clients are typically couples and families looking to buy real estate OR families that own real estate who may be able to benefit from integrating mortgage planning into their financial goals and plans.

HOW: We tend to do a lot of hand-holding and education on how different mortgages strategies work – and teach on how simple decisions about their home, mortgage and debt have both a short term and long term impact on finances!

WHY: Because I am a numbers geek and I have seen and made most of the mistakes that people tend to make. I really enjoy understanding what is important to people and helping them see how to get there!

HOW DO WE HELP OUR PARTNERS: Other than taking care of clients and ensuring successful and smooth closings, we are focused on working with our partners, supporting them in Priority Management, marketing, strategic planning and even accountability and coaching!

We are Generational Lending Experts – this does not mean we offer loans for anyone and everyone but we tend to focus on Strategic Planning for the folks who need these types of loans:

– First Time Home Buyers (Low Down, FHA and VA)

– Conventional and Jumbo Fixed and ARM Loans

– Investment and Second home properties

– HECM and Jumbo Reverse Mortgages

– Alternative Options for Self-Employed Borrowers

Todd Swanson

Todd Swanson

Licensed in CA, WA, OR, CO, FL, TX, and HI
7290 Navajo Road Suite 104, San Diego, CA 92119
NMLS 242366, DRE# 01162260

Designation: Certified Mortgage Planning Specialist

As a mortgage planner, my team and I assist home owners with the management of the liability side of their balance sheet. This literally means that we take a comprehensive view of all the client’s debts and seek to optimize how they are structured in order to enhance their ability create and preserve investable assets, fund the appropriate insurance policies, structure their estate, and implement their tax plan; we can even structure a mortgage to assist a client with funding their child’s college education.

Due to my 30+ years of service in the Marine Corps Reserve, one of my areas of specialization is working with veterans. Another area of specialization is inheritance buy-outs (one heir wants the real estate and the other wants cash).

My ideal client is someone who is seeking advice, because, consciously or unconsciously, they recognize that a mortgage is more than just a loan. For most families it is their single largest expense and, properly employed, will help them to save more for retirement, pay less in taxes, manage their cash flow, and reduce their financial stress.