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Headshot David Natoma

David Graves

NMLS#: 1074240
DRE#: 01983353

Phone: (916) 586-6644

Hello, welcome to my page.

Born and raised in Folsom, California in a family of real estate professionals. I attended the University of Hawaii and played quarterback for 4 years before moving to Germany where I played a season of professional football in Cologne. After returning to California after living in Hawaii and Germany, I took my competitive drive as an athlete into the real estate industry and started working as a loan officer for R&R Loans back in April of 2015. By 2018 my individual loan volume placed me in the top 1% of loan officers and mortgage originators nationwide and has remained there ever since. In 2020, we were chosen as 1 of 12 out of over 10,000 broker partners nationwide as an Inner Circle Partner with RocketPro TPO which became an inspiration for our company name.

As a broker, we work with many different lenders, primarily the top 5 ranked in the country and we continue to work with the top ranked lenders in the country including Rocket, Loan Depot, Homepoint, etc. We pride ourselves on being able to offer internet-level rates while at the same time being your true one point of contact as we hold your hand through the home loan process to the finish line. It sure beats calling an 800 number and talking to a different person every time you contact one of those internet places. A secret sauce to our success is treating every person’s loan as if you we’re a member of our family.

At home, I am supported by my beautiful wife, Nicole, and love to spend time with our son John. We are expecting our 2nd child in June of 2022.

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Closing

Documents are drawn and sent to the title company for closing.

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