Ken Graczak

Web Site & Social Media

About Me

Mortgage Broker in Bloomington with CFR Mortgage

I got into this business because of how I was raised.

My mom was a single parent raising three kids, and like a lot of people, she didn’t know homeownership was even an option for her. That stuck with me.

Today, I take a balanced approach when helping families. It’s not about pushing a loan. It’s about making sure the plan makes sense, the numbers are clear, and the client feels confident moving forward.

As an independent mortgage broker, I have access to a wide range of lenders and programs. That gives me flexibility when structuring deals, especially when things don’t fit neatly into a box.

I can’t promise I’ll be the most affordable option every time.
But more often than not, I am.

And just as important, I help make sure your clients understand what they’re doing and feel good about it.

Behind the scenes, my wife Stephanie helps run the operations, which keeps everything moving smoothly from application to closing.

For the partners I work with, I focus on being consistent, easy to communicate with, and someone you can trust to help get deals across the finish line.

About My Company

CFR Mortgage, which I like to say stands for Cheap Freakin Rates, is an independent mortgage broker built around one simple idea. Give people better options and help them make smart decisions.

As a broker, we’re not tied to one lender. That means we can shop multiple options to find a loan that actually fits the client’s situation, not force them into a one-size-fits-all solution.

We believe in a balanced approach. It’s not just about the lowest rate. It’s about the right structure, clear communication, and making sure the numbers make sense for the long term.

Most people don’t need pressure. They need clarity.

That’s what we focus on every day.

Who I want to meet...

I’d like to meet people who care about doing things the right way, communicate well, and want a steady partner they can lean on when something doesn’t quite fit the box.

A great referral for me is...

A great referral for me is someone who values clarity, is open to guidance, and wants to feel confident in their financing before moving forward.