Direct: (818) 435-6560 | tgrey@equitysmartloans.com

Blog

18
Nov
By Todd Grey
Mortgage Tips, ,

Mortgages for Vacation Homes vs. Airbnb Rentals

Owning a second home is a dream for many people, whether it is a quiet cabin by the lake, a beachfront retreat, or a mountain getaway. For others, that dream also comes with the potential to generate income through short-term rentals. However, mortgages for vacation homes and Airbnb properties are not the same. Lenders view these two types of homes differently, and understanding those differences can help you choose the right financing option for your goals. What Defines a Vacation Home A vacation home is a property that you primarily use for your own enjoyment. It might be a seasonal…
Read More
17
Nov
By Todd Grey
Financial Reports, ,

What’s Ahead For Mortgage Rates This Week – November 17th, 2025

In the aftermath of the recent government shutdown, the expected releases are still delayed. This round of releases is particularly impactful, involving key inflation reports from both the Consumer Price Index and the Producer Price Index. While the Federal Reserve prefers the PCE Index—and also relies on its own methods for collecting inflation data—the delay is undoubtedly troubling for the broader market, as the shutdown disrupted a wide range of services across the nation. The data is now expected to be released next week. Primary Mortgage Market Survey Index• 15-Yr FRM rates saw a decrease of -0.01% for this week,…
Read More
14
Nov
By Todd Grey
Mortgage, ,

The History of Mortgages From Ancient Times to Modern Loans

The idea of borrowing money to buy property may seem like a modern concept, but the foundation of the mortgage has been around for thousands of years. From ancient civilizations to today's digital lending platforms, the mortgage has evolved alongside society's approach to property ownership, wealth, and security. Understanding where it began offers a fascinating look at how this essential part of homeownership came to be. Ancient BeginningsThe earliest forms of mortgages can be traced back to ancient civilizations such as Greece and Rome. In these societies, property owners could pledge land as security for a loan. If the borrower…
Read More
13
Nov
By Todd Grey
Mortgage, ,

Natural Disasters and Mortgages: Forbearance and Insurance Options

When natural disasters strike, homeowners can find themselves facing unexpected challenges. From hurricanes and floods to wildfires and tornadoes, these events can cause major property damage, income loss, and emotional stress. If you have a mortgage, knowing your options for forbearance and insurance relief can make a significant difference in how you recover financially and protect your home. Understanding Mortgage ForbearanceMortgage forbearance is a temporary pause or reduction in your mortgage payments during times of hardship. After a natural disaster, many lenders and government agencies offer special forbearance programs to affected homeowners. This allows borrowers time to rebuild, repair, or…
Read More
12
Nov
By Todd Grey
Mortgage, ,

Mortgage Options for Retirees Who Still Want to Buy

Many retirees still dream of owning a new home, whether to downsize, move closer to family, or enjoy a change of scenery. While retirement often means leaving behind a steady paycheck, it does not have to mean leaving behind the dream of homeownership. Lenders understand that retirees have unique financial situations, and there are several mortgage options available to help make that next move possible. Traditional Mortgages for RetireesRetirees can still qualify for a traditional mortgage, even without employment income. Lenders consider various sources of income, such as Social Security benefits, pensions, and investment withdrawals. The key is showing consistent,…
Read More