Thomas J. Nelson

Your Local Guide For San Diego

Meet The Team

Your Local Guide For San Diego

Christine Frushon

Real Estate Professional Consultant at Keys with Christine Brokered by EXP Realty

Thomas J. Nelson

DRE# 01261476

Big Block-LPT Realty

Well, let me tell you, real estate runs deep in my veins. It's like the very foundation of who I am. You see, it's a family affair—my folks, my grandparents, they were all in the game, making deals, managing properties. It was like breathing for us, you know?

Now, my grandma Frances, she was the one who got me started on this journey. She'd take me along to her deals, teaching me the ropes from a young age. And then there was grandpa Al, a real property guru. He showed me the ropes of real estate investing and even got me hands-on with some light construction work. Painting, electrical, plumbing—you name it, I was there, learning the ropes.

But life's a funny old thing, isn't it? While I was knee-deep in property management, another passion came calling: music. Now, I may not be the next Elvis, but I sure can hold my own with a guitar or drums. But it was when I discovered the magic of mixing music that things really took off. Parties turned into gigs, gigs turned into paid gigs, and before I knew it, I was running my own music business at the ripe old age of nineteen.

For three decades, I was the heart and soul behind Nelson-Entertainment, a Mobile DJ & Wedding Event planning company. What began as a simple hobby blossomed into a thriving business, and I had the privilege of orchestrating over 2000 weddings and countless other events. From humble beginnings, I learned invaluable lessons about entrepreneurship and the art of service.

But life had more in store for me. Ten years into my DJ career, I joined forces with my mother in the real estate business. Watching her navigate the industry, from land acquisition to home construction, was an education in itself. She didn't just sell homes; she cultivated genuine connections with her clients, becoming more than just their REALTOR®—she was their trusted confidante.

Inspired by her example and the arrival of my son, Wyatt, I embarked on my own real estate journey. Balancing my DJ gigs and property management duties, I laid the foundation for my fledgling real estate business. In 2003, my wife Ailina and I made the leap to San Diego, drawn by its inviting climate and vibrant community. La Jolla stole our hearts, offering the perfect backdrop for our new chapter.

Joining forces with Big Block Realty was a game-changer. Surrounded by like-minded professionals, I found a home where my values and vision aligned seamlessly. With access to top-notch training and support, I'm constantly honing my skills to better serve my clients.

I don't take your trust for granted. Each transaction is an opportunity to exceed your expectations and earn your satisfaction. Whether you're buying or selling, I'm here to guide you through every step of the process. And if you know someone in need of real estate expertise, don't hesitate to send them my way—I'll ensure they receive the same level of care and attention.

In the world of real estate, results matter. With me by your side, you can rest assured that your goals are my top priority. Let's embark on this journey together and turn your real estate dreams into reality.

It's A Good Life!

Thomas

Service Areas

San Diego

Service Areas

San Diego

  • San Diego

  • EXP Relocation Certification

  • EXP REO Certification

  • AHRN Certified Military Real Estate Agent

Recent Activity

Equity

Too Much Cash To Crash

March 31, 20252 min read

There is Fake News circulating social media right now, (shocker!), so lets dispel the rumors and shine a light on the truth. The US housing market is experiencing fluctuations, but a crash is not anticipated, and here's why:

This is the chart being passed around the internet:

Real Estate San Diego

Look pretty ominous doesn't it? Except that this is a multi-family chart - apartment buildings and larger commercial properties, not the residential properties.

  1. Delinquency Rates:

    • The delinquency rate for multi-family properties is relatively low at 0.4%. Although this is an increase from 0.1%, it's important to note that a rise in delinquency rates is anticipated due to various external factors.

    • Foreclosures are a regular part of the real estate sector and help maintain balance.

      truth about the crash

  2. FHA Loans:

    • There's been an increase in FHA loans since 2007, reflecting the growing accessibility of these loans. This elevation accounts for more borrowers with FHA loans in 2025, and the higher delinquency rate partly reflects natural disaster forbearance options. Instances of hurricanes, fires, and flooding contribute to temporary deferments, which are marked as delinquencies, inflating the numbers superficially.

    • FHA loans, often used by lower-income borrowers, face higher default risks due to economic pressures. However, these are managed through structured forbearance programs.

      FHA loans mortgage

      As you can see, with more FHA loans than 2007, we have less delinquencies
      and many are called "delinquent" despite having lender approved forbearance.

  3. Current Delinquency Trends:

    • About 3.9% of loans are delinquent for less than 90 days, with only 1.19% classified as seriously delinquent. These numbers are far from those experienced during the subprime mortgage crisis.

  4. Equity and Foreclosure:

    • Homeowners should consider their options, such as unlocking equity if they face financial difficulties. Selling a property before it reaches the foreclosure stage can provide financial relief and the opportunity for a fresh start.

      real estate market outlook

      When you compare 2024's 1.19% serious delinquency (over 90 days) to 2007's of 25%
      you start to realize that we're in a tough, but good market, with over 55% of the homeowners owning 50% or greater equity in their homes.


The overall health of the housing market today benefits from stronger regulatory frameworks, better lending practices, and a more robust economic environment compared to the lead-up to the 2007-2008 crash. Therefore, while challenges exist, they are manageable within the current economic landscape.

equitydelinquent loansforbearancecrashhealthy marketreal estatesan diego
Back to Blog
Equity

Too Much Cash To Crash

March 31, 20252 min read

There is Fake News circulating social media right now, (shocker!), so lets dispel the rumors and shine a light on the truth. The US housing market is experiencing fluctuations, but a crash is not anticipated, and here's why:

This is the chart being passed around the internet:

Real Estate San Diego

Look pretty ominous doesn't it? Except that this is a multi-family chart - apartment buildings and larger commercial properties, not the residential properties.

  1. Delinquency Rates:

    • The delinquency rate for multi-family properties is relatively low at 0.4%. Although this is an increase from 0.1%, it's important to note that a rise in delinquency rates is anticipated due to various external factors.

    • Foreclosures are a regular part of the real estate sector and help maintain balance.

      truth about the crash

  2. FHA Loans:

    • There's been an increase in FHA loans since 2007, reflecting the growing accessibility of these loans. This elevation accounts for more borrowers with FHA loans in 2025, and the higher delinquency rate partly reflects natural disaster forbearance options. Instances of hurricanes, fires, and flooding contribute to temporary deferments, which are marked as delinquencies, inflating the numbers superficially.

    • FHA loans, often used by lower-income borrowers, face higher default risks due to economic pressures. However, these are managed through structured forbearance programs.

      FHA loans mortgage

      As you can see, with more FHA loans than 2007, we have less delinquencies
      and many are called "delinquent" despite having lender approved forbearance.

  3. Current Delinquency Trends:

    • About 3.9% of loans are delinquent for less than 90 days, with only 1.19% classified as seriously delinquent. These numbers are far from those experienced during the subprime mortgage crisis.

  4. Equity and Foreclosure:

    • Homeowners should consider their options, such as unlocking equity if they face financial difficulties. Selling a property before it reaches the foreclosure stage can provide financial relief and the opportunity for a fresh start.

      real estate market outlook

      When you compare 2024's 1.19% serious delinquency (over 90 days) to 2007's of 25%
      you start to realize that we're in a tough, but good market, with over 55% of the homeowners owning 50% or greater equity in their homes.


The overall health of the housing market today benefits from stronger regulatory frameworks, better lending practices, and a more robust economic environment compared to the lead-up to the 2007-2008 crash. Therefore, while challenges exist, they are manageable within the current economic landscape.

equitydelinquent loansforbearancecrashhealthy marketreal estatesan diego
Back to Blog

Testimonials

Wow! negotiated a $400K price reduction on a listing that had already been reduced by $300K!! If you want a skilled negotiator on your side, she’s your girl.

- Carl

is an amazing person and fantastic Real Estate professional. Her marketing skills are second to none, if you are in need of selling or buying a home, she is your choice!

– Duane

and her team are amazing to work with! They go above and beyond with help and communication, and so much fun as well.

– Kristen

was amazing to work with! She made the whole process look so easy. Thank you for all of your hard work.

- Celene

It was my pleasure working with . She is very professional and knowledgeable in the real estate field.

– Natalia

is a phenomenal agent. She made the home buying process simple and I highly recommend her!

– Shronda

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San Diego

Contact Info

Address

8895 Towne Centre Dr. Ste 105 PMB 436, San Diego, CA 92122-5542

Phone

+18582328722

Email

Location

Redondo Beach, CA, USA

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