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

Thanksgiving Day Gratitude
November 27, 2025
Today is a day to pause and reflect on the people who make this work meaningful. We are truly thankful to every person who has allowed me to be part of their home journey. Whether we have worked together in the past, are connected right now, or will meet in the future, we appreciate the trust you place in us.
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The Role of Asset Verification in Mortgage Underwriting
November 26, 2025
When buyers apply for a mortgage, income and credit history get most of the attention. However, there is another essential part of the underwriting process that plays a major part in determining approval. Asset verification helps lenders understand the financial strength behind an application and gives them greater confidence in the borrower's ability to manage the loan responsibly.
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How Non-Occupant Co-Borrowers Can Help with Mortgage Qualification
November 25, 2025
Many hopeful homebuyers find that their income alone does not quite meet the requirements for a mortgage. This challenge is especially common for people early in their careers, those recovering from financial setbacks, or buyers facing higher home prices. One option that can make a meaningful difference is bringing in a non-occupant co-borrower.
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Todd Grey

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