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Read My Reviews

Thank you Todd

April 26, 2024

Todd did a great job from start to finish, very little paperwork, no change in disclosure during the process. Got it done. Thanks Todd. Great loan company! I would recommend Equity Smart Home Loans to anyone as long as Todd is your loan officer.

Jerry O'Connor

"He is extremely knowledgeable"

May 31, 2023

This is actually the 3rd refinance mortgage we’ve done through Todd over many years. I do my research, am selective and ask a lot of questions, and trust Todd completely to look out for us. He is extremely knowledgeable, ands explains things in a way that makes sense. He totally goes “above and beyond” for his customers, and takes as much time as needed to answer your question. Todd has a great way of being professional yet friendly at the same time. We’re so appreciative of his guidance and help through this process. I’ve already recommended him to family members and will definitely work with him again.

Cynthia Skadron

"His knowledge, service, and rates were second to none."

March 22, 2023

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

"I recommend Mr. Grey to everyone"

February 10, 2023

First, I like to thank Tod, for all of his help for these past few years. Tod is amazing, Professional, great people skills, passionate about his work. Todd has gone out of his way on many occasions to assist me with mortgage loans. His extended knowledge has help me acquire more rental property, multi-units. summer home. if you want the right person, who cares about you, your family, in love their work, and is very knowledgeable about with a due. I recommend Mr. Grey to everyone, he has not let me down, nor my associates and I am sure he will never let you down. if there is a way to get you into a home Todd will find every way possible a great thing about it he will never give the false information any let you know up front if it is possible or not.


"From day 1 he was on top of it."

November 30, 2022

Perfection! From day 1 he was on top of it. I have been in RE for over 23 years and have never worked with such a pro!!!!! Our transaction was extremely difficult and he made it so pleasant. His knowledge and ability to tackle obstacles are second to none. Cant wait to work with Todd again.

Blue Chavira

"He was thorough and patient every step of the way."

May 22, 2022

Simply put, my wife and I would not be homeowners at this time if we did not have Todd’s advice and guidance. He was thorough and patient every step of the way. Explaining everything in way that we could understand as the preparations progressed in qualifying for the loan. We are forever grateful for everything Todd did for us in preparing us for owning a house and we will always refer all our friends and family to Todd for their lending needs. I really mean it when I say that we would not be here if it wasn’t for you and your invaluable help, Todd!

Nerses and Yesenia Sargsyan

"Todd was upfront and honest"

April 12, 2022

Todd was upfront and honest, asked what I needed then found a plan that worked for me and my situation , everything was explained to me step by step as to what to expect and when …great experience !

T slater

"We have used Todd for loans on multiple occasions throughout the years."

April 7, 2022

Todd is absolutely amazing at what he does, not only does Todd know and understand every single step of the loan process but is always willing to offer the best advice and suggestions on how to obtain the best loan for his clients. We have used Todd for loans on multiple occasions throughout the years. Todd always gives 110% to us with any questions or concerns we ever have and even takes on additional tasks that are beyond what I have ever seen from any loan officer. If you are looking for an amazing person to work with for your loan process, you would never find another loan officer who could even compete with Todd’s expertise and work ethic. Thanks again Todd, words cannot express our gratitude and appreciation to the full extent of the quality of service you provide.

Shane Ballestero

"He was honest, professional, efficient and flexible."

January 27, 2022

Todd was incredible to work with. He was honest, professional, efficient and flexible. He was easy to get ahold with. I highly recommend Todd and look forward to working with him again in the future.

Mekelit Mulat

"It was clear that Todd was head and shoulders above anyone in his crowded field'

March 19, 2021

There’s not enough space to convey our absolute DELIGHT with the advice and personal support Todd provided my wife and I during our home loan process. From the very beginning it was clear that Todd was head and shoulders above anyone in his crowded field. He counseled us as to how to prepare for the many documents he needed to complete his work, and shepherded our loan through a strenuous process while making it feel like it was completely simple. Todd is a joy to deal with, his feathers never get ruffled, and his advice is golden. Stick with Todd for your next mortgage and you’ll be more than pleased with his EXCELLENT service and good natured approach to finance.

Julian Aston

"Todd was instrumental in guiding us through the process"

February 6, 2021

Todd was referred to us several years ago, and had assisted initially with refinancing our home. Throughout the years, we remained in contact and with the lower interest environment we discussed the possibility of combining our loans. Todd was instrumental in guiding us through the process, researching the best solution which resulted in us consolidating both loans at a very favorable interest rate, when other lenders told us no. Todd is exceptionally knowledgeable and goes above and beyond to assist his clients. Thank you so much for always looking out for our best interests!


"He is one of the last true professionals."

December 18, 2020

Todd is the most knowledgeable and honest person in this business, hands down. He is one of the last true professionals. We had the pleasure of speaking with him on refinancing our home. He was extremely patient and gave us a master class on what to expect, how it all works, how the fees split out, and went above and beyond to insure we complete understood this otherwise complicated and convoluted process. In short, Todd has been nothing but a dream to work within we enthusiastically recommend him anyone applying for a loan.

Marina Zargaryan

"I truly appreciate his prompt, informative and friendly service"

December 18, 2020

I am an attorney and a real estate broker. I called Todd for information on a loan for my parents. Not only did Todd answered all my questions but went through various scenarios, options and suggestions for our particular case right away! I have since contacted him for advice on some of my clients’; cases and he has been just as helpful as he was with my parent’s case. As real estate agent and attorney, I truly appreciate his prompt, informative and friendly service because in turn I am able to provide the same for my clients. Thank you Todd!

Izabella Stepanyan

"He was very thorough, patient, and knowledgeable"

December 16, 2020

Todd helped me refinance my house twice. He was very thorough, patient, and knowledgeable about home financing and refinancing. He explained to me all the available options in order to lower my monthly mortgage. The last refinancing I did with Todd lowered my monthly mortgage by over $400 which is a big help for me. I had a great experience working with Todd.

Andrea Cortez

"I recommend Todd to any potential client."

December 11, 2020

Todd Grey is extremely knowledgeable in his field. All you need to is follow Todd’s advise. In fact I recommend Todd to any potential client.


"I recommend him highly."

December 9, 2020

Todd was really great when we refinanced our mortgage. He is really knowledgeable, takes his time to explain things and is very professional. He also worked very hard to get us the best rate. I recommend him highly.

Nardos Tassew

"He has shown integrity, been punctual, and knowledgeable"

December 7, 2020

Todd has provided great service to me and my family. He has shown integrity, been punctual, and knowledgeable during all our interactions. Thank you Todd.


"Todd was extremely knowledgeable, professional and very informative"

December 4, 2020

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"

December 3, 2020

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

"Great guy to work with!"

December 1, 2020

Thanks to Todd! My loan was a very difficult one, been trying for years to refi my house but couldn’t because of being self-employed and I was upside down with my income-to-ratio. Todd’s expertise in this matter paid off. Great guy to work with!

Randall Kearney