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

What Mortgage Lenders Really Look At Before Approving Your Loan
November 5, 2025
One of the first questions homebuyers ask is how much they can afford to borrow. While the number may seem mysterious, lenders use a clear set of financial factors to decide how much you qualify for. Understanding these factors can help you plan ahead, make smart choices, and feel confident as you start your homebuying journey.
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Steps to Take Now to Build Your Credit for a Home Purchase Next Year
November 4, 2025
Buying a home is one of the most exciting goals you can set, but your credit score plays a major role in how easy or challenging the process will be. The good news is that with time and planning, you can strengthen your credit and set yourself up for a smoother approval when you are ready to buy next year.
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What’s Ahead For Mortgage Rates This Week – November 3rd, 2025
November 3, 2025
With the ongoing government shutdown, other major releases have hit a snag, as there is still very limited information for when the shutdown may end. The largest and most impactful releases continuing to move forward are those from third-party sources still publishing data -- such as the Consumer Sentiment report -- which shows that consumers remain concerned about inflation but have recently grown more optimistic about the labor market.
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Todd Grey

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