I’m Ken Graczak, a mortgage broker in Bloomington MN with more than 24 years of experience helping homebuyers feel confident and informed throughout the mortgage process. I work with CFR Mortgage as a mortgage broker in Bloomington MN, and I serve buyers across the Twin Cities, Wisconsin, and Florida.

My path into this work started with my own family. Growing up, we didn’t know the steps to homeownership. That experience shaped everything about how I work today. My goal is to give people the information and guidance we never had.

My wife Stephanie and I run our team together. She keeps the process organized behind the scenes. I focus on strategy, problem solving, and making sure every buyer understands the plan from start to finish. Because I’m an independent broker, I can shop your loan across multiple wholesale lenders. That means more options and a better chance of finding the right fit for your situation.

Whether you’re a first-time buyer in Bloomington, a Wisconsin family looking to move, or a Florida buyer exploring a second home, my approach is the same. No jargon. No pressure. Just honest guidance and a plan that helps you move forward with confidence.

Helping people become homeowners isn’t just what I do. It’s why I do it.

Outside of work, you’ll usually find me at a Timberwolves game, traveling, or spending time with my wife and kids. I’m also a bit of a systems and AI nerd, I like figuring out how to make things run smarter, which carries right over into how we do business here.

Ken Graczak is licensed and verified through the NMLS.

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