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

Slide
Todd Grey • Loan Officer
EquitySmart-Site-LOGO-Web
Apply Now
Short Application Here
Read My Reviews
Read Reviews Here
Get in Touch
Have any questions? Get in touch today!
Contact Me Today

Todd Grey • Loan Officer

NMLS# 1594405
Direct: (818) 435-6560
tgrey@equitysmartloans.com

Equity Smart Home Loans was founded on the simple but radical idea that every person should have the opportunity to own a home. Which is why we believe life is all about the journey and buying a home should be a super-exciting, fulfilling, and financially rewarding step along your path. It is our mission to give everyone – from every walk of life, from every background, and from every financial situation- the ability to create equity in themselves and relish in the benefits of home ownership.
Todd Grey - Navigating Your Mortgage Application Guide

A Comprehensive Guide to Navigating Your Mortgage Agreement

Download my eGuide today to learn all you need to know about the mortgage process!


What My Clients Say

★★★★★

Our experience was very professional and to the point and executed in a timely manner. Todd was extremely knowledgeable, professional and very informative in every aspect. He made our refinance experience pleasant. We highly recommend Todd.
June Gilmore
Todd Grey has done the impossible for me twice now. I can not thank him enough for keeping my best interest at heart with each loans he’s done for me. His knowledge of what’s needed to get the finish line is unparalleled. If everyone was able to provided his level of service ….. we’d all be in a better place
Dirk Dayton
I had a fantastic transaction with Todd. His knowledge, service, and rates were second to none. I would highly recommend giving Todd a call.
Rick Pena
Read More Reviews

The Latest News

What Happens to Your Mortgage Options When a Home Does Not Appraise as Expected?
September 16, 2026
You have negotiated a purchase price, your offer has been accepted, and the mortgage process is moving forward. Then the appraisal comes back lower than expected. For buyers, that can be unsettling, but a low appraisal does not automatically mean the purchase is over. What happens next depends on the contract, available funds, financing, and what the buyer and seller are willing to do.
Read More
Why the Type of Property You Buy Can Affect Your Mortgage Options
September 15, 2026
When buyers start thinking about mortgage options, they often focus on their own finances: income, credit, debts, savings, and down payment. But there is another part of the equation that can be easy to overlook. The property itself matters. A traditional single-family home, condominium, manufactured home, multi-unit property, or unusual property may not be treated exactly the same when it comes to financing.
Read More
What’s Ahead For Mortgage Rates This Week – September 14th, 2026
September 14, 2026
While CPI data has come in within expectations for current inflation, inflation remains much higher than in previous years. The rate is holding steady at 2.4%, which is above the Federal Reserve's 2.0% target.
Read More

Todd Grey

NMLS# 1594405
Direct: (818) 435-6560
tgrey@equitysmartloans.com