Real Estate Agent Mortgage Partner | Ken Graczak | CFR Mortgage
Education First  ·  Human Before Profit
Real Estate Agent Partner Program  ·  Bloomington, MN

Your clients deserve more
than one lender's options.

I'm a mortgage broker with access to around 100 wholesale lenders. No processing fees. Fast communication. Tools that keep your leads from going cold. Let's talk about what working together actually looks like.

24+ Years in mortgage
~100 Wholesale lenders
$0 Processing fees
Ken Graczak, CFR Mortgage

I go to bat for your clients.
And I keep you in the loop the whole way.

When your client is under contract, the last thing you need is a lender who goes quiet. That's not how we operate. Here's what you get when we work together.

🏦
More options for your clients

As a broker, I'm not locked into one institution's product menu. I shop around 100 wholesale lenders to find what actually fits your client's situation. More options means a better chance of getting to the closing table.

📞
Communication you can count on

You won't have to chase me for updates. We're proactive with agents, buyers, and title from the day we go under contract. You stay focused on your side of the deal. We handle ours.

Speed when it matters

We work with lenders who move fast. When your buyer is in a competitive situation, a slow pre-approval or a sluggish underwriting process can cost them the home. That doesn't happen on our end.

I built an ecosystem to help you
keep more clients and close more deals.

For your buyers
AI Buyer Chat Tool

A 24/7 AI chat tool on my website that answers buyer questions and moves them toward a real conversation. Leads don't go cold waiting for a callback. They get educated and take the next step on their own time.

During the deal
Weekly Deal Updates

Every Friday while we're under contract, your buyer gets a plain-language update on exactly where things stand. No guessing. No "have you heard anything?" texts to you. Everyone knows what's happening and what's next.

For you
Monthly Branding Magazine

A co-branded personal branding magazine I put out every month for my agent partners. Content you can use at open houses, share with clients, or post on social. Built to help you look good and stay top of mind.

Human before profit. My wife and I built this business so our clients get the best deal we can find, not the deal that makes us the most money.
Ken Graczak  ·  Mortgage Broker, CFR Mortgage LLC  ·  Bloomington, MN
Licensed in MN, WI & FL
No processing fees on most files
Husband-and-wife operation
Available after 6 PM
Education-first approach

Tell me a little about what you're looking for.

No pitch. No pressure. I just want to understand where you're at and whether working together makes sense for both of us. Fill out the form and I'll reach out directly.

or skip the form
Book a call directly
15-Minute Agent Partner Call

If you'd rather just grab some time, pick a spot on my calendar. We'll have a quick conversation about how I work, what tools I offer, and whether it's a fit.

Pick a Time That Works →

Questions first? You can also reach me directly at 612-324-8454 or [email protected]. I'm a real person and I actually pick up.