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

Honoring Veterans Day, and Celebrating Homeownership
November 11, 2025
Today, we pause to honor the brave men and women who have served our country. Your courage, sacrifice, and dedication protect the freedoms that allow us all to call this nation home.
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What’s Ahead For Mortgage Rates This Week – November 10th, 2025
November 10, 2025
With the government shutdown heading into a possible resolution, there were still delays on important data such as employment report releases. This has been somewhat relieved with the release of other reports that have been delayed in the past within the current government shutdown.
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When and How to Secure a Favorable Mortgage Rate Lock
November 7, 2025
Interest rates can fluctuate from one week to the next, and that can have a major impact on your monthly payment and overall loan cost. A mortgage rate lock gives you the ability to secure your interest rate for a set period of time, protecting you from unexpected increases while your loan is being finalized. Understanding how rate locks work can help you choose the right time and terms for your situation.
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Todd Grey

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