Richard D Graeff II, Mortgage Loan Officer Nmls#508444

Richard D Graeff II, Mortgage Loan Officer Nmls#508444 Mortgage Lending and Planning. 30 years in the financial industry and Iā€™d love to help you! Please contact me when its time for your next home loan transaction.

In my 30-year career within the financial industry, I've spent the last twenty years as a mortgage loan consultant, currently working for Newrez Home Loan Division. I take much pride in the experience and knowledge that I've gained over the years. My goal is to educate clients to make the well informed choices for their personal situation and provide excellent customer service throughout every mor

tgage loan transaction. I always focus on my clients financing goals and work accordingly to ensure they are accomplished. My consistency, professionalism and experience have landed me recognition as a Platinum Top Producer among several other awards. I largely owe this to my satisfied clients who continue to refer me to their friends and family for proven results. Specializing in:

Agency Conforming and High Balance (FNMA/FHLMC)
HARP Refinance
FHA and VA
First Time Home Buyer Programs
USDA
Servicing the following areas:

Chico
Paradise
Oroville
Northern and Central California

2024 Newrez LLC, 1100 Virginia Dr., Suite 125, Fort Washington, PA 19034. NMLS #3013. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Opportunity

https://www.newrez.com/find-loan-officer/richard-graeff/

Congratulations to Marcus & Yoana on your new home! it was my pleasure to help you finance it. thanks so much to all inv...
06/11/2026

Congratulations to Marcus & Yoana on your new home! it was my pleasure to help you finance it. thanks so much to all involved, pros at work.

06/10/2026

Going through a divorce? Removing your ex from the mortgage takes 3 steps: Contact your lender -> Refinance -> File quitclaim deed. This is too important to guess on, so seek professional advice (your attorney and me!). Let's protect your ownership!

06/08/2026

Q: How do I drop PMI? A: 3 ways! 1) Request cancellation at 80% LTV. 2) Refinance if equity/value increased. 3) Get a new appraisal. Stop overpaying - you have more power than you think! DM me your situation and we'll take a look!

06/05/2026

šŸ“‰ Gas prices are on the move! With a significant drop this week, the national average is now at $4.24. Will this impact inflation? Stay tuned for the May report on June 10th.

06/03/2026

YES! Bank statement loans are the game-changer for self-employed borrowers! Instead of W2's or complicated tax returns, lenders look at your last 12-24 months of bank statements to verify income. Easier to qualify, faster approval = your home sooner! Have you tried one? Share your story!

06/01/2026

DON'T do these 3 things while your mortgage application is pending! 1) Don't make large purchases (cars, appliances). 2) Don't apply for new credit. 3) Don't close any credit accounts. One mistake could cost you your approval. Play it safe and let's protect your dream! Hit me up with questions!

05/27/2026

Self-employed mortgage checklist! Gather: 2 years personal tax returns -> 2 years business tax returns -> 2 years business licenses -> Year-to-date P&L + Balance Sheet. Products like SmartSelf loans are designed specifically for you. Get organized and let's get you approved! Hit me up! šŸ”

05/25/2026

Getting denied repeatedly? Low credit score, high DTI, irregular income, or recent credit issues - these aren't dead ends, just speed bumps. A Non-QM loan could be exactly what you need to get over the finish line. Let's figure this out together! Comment or DM and let's solve this!

05/22/2026

šŸ“ˆ Rates are on the rise! šŸ“ˆ Inflation hitting 3.8% and energy costs up 17.9% are driving mortgage rates higher. With no rate drop in sight, now is the time to act and buy your dream home!

05/08/2026

Get ready for a game-changing week ahead! šŸš€ Three major events in three days could shake up the market. Will rates shift? Share your predictions! šŸ“ˆšŸ“‰

Address

1051 Mangrove Avenue
Chico, CA
95928

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