Welcome. I am Ken Graczak, a Bloomington Minnesota mortgage broker with more than 20 years of experience, and I believe everyone deserves the right information and a clear plan to buy a home. Growing up, my family did not know the steps to homeownership, and that experience drives everything I do today. I focus on educating homebuyers, simplifying the mortgage process, and giving you options that truly fit your situation, whether you are buying your first home, refinancing, or planning your next move. No confusing jargon. Just real guidance from someone who knows this community, cares about your goals, and works hard to help you save money and make smart choices.