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

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Todd Grey • Loan Officer
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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

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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
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The Latest News

How to Determine What You Can Afford Based on Your Income
May 22, 2026
Understanding how much home you can afford is one of the most important steps before beginning your home search. Many buyers make the mistake of focusing only on the maximum loan amount they qualify for, rather than what fits comfortably within their lifestyle. Taking a balanced approach ensures that your home purchase supports both your financial stability and your long-term goals.
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Buying a Home While Managing Student Loan Debt
May 21, 2026
Many potential homebuyers assume that having student loan debt will prevent them from qualifying for a mortgage, but that is not necessarily the case. In reality, many buyers successfully purchase homes while carrying student loans. The key is understanding how your debt is evaluated and taking the right steps to position yourself for approval.
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Understanding PMI and Why It May Benefit You
May 20, 2026
Private Mortgage Insurance, commonly known as PMI, is often misunderstood by homebuyers. Many people view it as an added expense to avoid at all costs, but that perspective can actually delay homeownership and limit your options. When used strategically, PMI can be a valuable tool that helps you purchase a home sooner and begin building equity earlier.
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Todd Grey

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