Ken Graczak
Mortgage BrokerNMLS#: 184394
Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.
I am Ken Graczak, a Bloomington Minnesota mortgage broker with more than 20 years of experience helping homebuyers feel confident and informed throughout the mortgage process. I work with CFR Mortgage, an independent mortgage broker based in Eau Claire, Wisconsin, and I operate as a local loan officer serving Bloomington, the Twin Cities, and clients in both Wisconsin and Florida.
My path into the mortgage industry started with my own family. Growing up, we did not know the steps to homeownership, and that experience shaped the way I work today. My goal is to give people the information and guidance we never had. I believe in clear communication, simple explanations, and showing buyers options that genuinely fit their situation.
My wife, Stephanie, and I run our mortgage team together. She keeps the process organized behind the scenes, and I focus on strategy, problem solving, and making sure every buyer understands the plan from start to finish. Being an independent mortgage broker allows me to compare multiple lenders, which helps clients explore more choices and create a smarter financial path toward homeownership.
Whether you are a first time buyer in Bloomington, a Wisconsin family looking to move, or a Florida buyer exploring a second home, my focus remains the same. No confusing jargon. No pressure. Just honest guidance, fast communication, and a plan that helps you save money and feel confident in your decisions. Helping people become homeowners is not just what I do. It is my purpose.
Stephanie Graczak
Client Success Manager
NMLS#: 2568414
Tel: (952) 260-7077
Email: stephanie@cfrmortgage.com
Stephanie is the Client Success Manager for Team Graczak at CFR Mortgage and the person who helps make the mortgage process feel calm, organized, and easy to follow from start to finish. With more than 20 years of experience in the financial industry, including owning and operating a successful family insurance agency, she brings a strong mix of technical knowledge, attention to detail, and genuine care for the families she serves.
Throughout her career she has guided clients through important decisions that protect their biggest assets. That same service first mindset is now at the center of Team Graczak. Stephanie oversees communication, keeps the loan process moving, and makes sure every homebuyer understands what is happening at each step. Her ability to simplify complex information and stay two steps ahead helps create the smooth, personal experience clients expect from a trusted local mortgage broker.
Based in Bloomington, Minnesota, Stephanie manages the operations side of the team so Ken can stay focused on advising clients and supporting business partners. Together they bring a family driven approach to mortgage lending with a focus on trust, clear guidance, and long term relationships.
Stephanie cherishes moments spent with her loved ones, finding joy in the heart of family life. Married to Ken and blessed with two children, family holds a central place in Stephanie’s world. During her leisure moments, you’ll discover her engrossed in captivating books, venturing into new destinations through travel, or trying out innovative recipes in the kitchen.
With deep financial experience and a heart for serving people, Stephanie plays a key role in helping every client feel supported not only during the mortgage process but throughout their entire homeownership journey.
