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

Slide
Todd Grey • Loan Officer
EquitySmart-Site-LOGO-Web
Apply Now
Read My Reviews
Get in Touch
Have any questions? Get in touch 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.
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
I had a fantastic transaction with Todd. His knowledge, service, and rates were second to none. I would highly recommend giving Todd a call.

The Latest News

Can I Finance Home Renovations Into My Mortgage at Closing?
April 25, 2025
Purchasing a home that needs renovations or upgrading your current home can be costly, but financing home improvements through your mortgage can be an effective solution. Instead of taking out a separate loan for renovations, some mortgage programs allow you to roll the cost of home improvements into your home loan at closing. This strategy can help you spread renovation costs over time while securing a potentially lower interest rate compared to personal loans or credit cards.
Unlocking Government Grants for Home Renovations and Improvements
April 24, 2025
Home renovations can be a significant financial undertaking, but government grants and assistance programs can help offset costs for eligible homeowners. These grants are designed to promote energy efficiency, accessibility, and overall home safety. Understanding the available options and how to qualify can make a substantial difference in financing your home improvement projects.
How Child Support and Alimony Payments Affect Mortgage Qualification
April 23, 2025
When applying for a mortgage, lenders carefully assess your income and debt to determine your ability to repay the loan. If you receive or pay child support or alimony, these payments can significantly impact your mortgage qualification. Understanding how they factor into your debt-to-income (DTI) ratio, income calculation, and overall loan approval process can help you better prepare for home financing.

Todd Grey

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