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’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.
Ken Graczak is licensed and verified through the NMLS.
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. She’s the person who makes sure every client knows what’s happening, what’s coming next, and that someone is paying attention to the details.
Before joining the mortgage side of the business, Stephanie spent more than 20 years in the financial industry. She owned and operated a family insurance agency, which means she knows what it feels like to sit across from a family making a big financial decision. She brings that same care and attention to every loan file we work on together.
Day to day, Stephanie keeps the process moving. She oversees communication, manages the timeline, and makes sure nothing falls through the cracks so Ken can stay focused on strategy and client advising.
We built this business together. And the way we work reflects that. Education first, no pressure, and a genuine investment in making sure every family we work with feels taken care of from application to closing.
Outside of work, Stephanie is a mom, a wife, and the kind of person who genuinely cares about the families she works with. She and Ken have built this business the same way they’ve built everything else. Together, with a lot of hard work and a clear sense of why it matters.
