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

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
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The Latest News

The Financial Benefits of Staying in Your Home Long-Term
August 13, 2026
Moving can be the right choice when your lifestyle, employment, or family needs change. However, remaining in a home for a longer period can also offer meaningful financial advantages. Understanding those benefits can help homeowners evaluate whether staying put supports their goals better than purchasing another property.
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Understanding Mortgage Servicing After Closing
August 12, 2026
Closing day marks the end of the home-buying transaction, but it also begins the long-term process of managing your mortgage. After closing, a mortgage servicer becomes responsible for collecting payments, maintaining account records, managing escrow when applicable, and answering questions about your loan. Understanding the servicer's role can help you avoid confusion and manage your mortgage with confidence.
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How Your Mortgage Fits Into Your Overall Financial Plan
August 11, 2026
A mortgage is often the largest financial commitment a household carries, but it should not be viewed separately from the rest of your financial life. Your housing payment affects how much you can save, invest, spend, and prepare for future goals. Understanding how your mortgage fits into your overall plan can help you make decisions that support both homeownership and long-term financial stability.
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Todd Grey

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