Headshot of Dennis Graves

Dennis Graves

Sr. Loan Officer

Roseville, CA Mortgage Lender

NMLS #297191

1512 Eureka Road, Suite 110
Roseville, CA 95661
Contact Methods
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(916) 705-8338


About Dennis

In 2006, a family member had an elderly uncle that needed additional income to help cover the cost of their monthly in-home care. I originated my first reverse mortgage for him and discovered a new passion: Helping homeowners access the equity they’ve built over decades. Since then, I’ve gained the knowledge and expertise to assist senior homeowners and their financial advisors by using a reverse mortgage as a part of their retirement income planning.

My knowledge of how a Home Equity Conversation Mortgage (HECM) can help clients has been invaluable to many. With the support of CrossCountry Mortgage’s HECM Team, I’m dedicated to educating and assisting homeowners aged 62 and older. Whether you’re planning retirement or already in your golden years, I’m excited to work with you soon!

Born and raised in the Golden State, I joined the U.S. Navy in 1976 and was honorably discharged in 1980. Afterward, I spent 25 years in the retail floral industry, owning three flower shops with my wife. We’ve been married since 1991 and have two adult children, a daughter-in-law, and one grandchild. When we’re free, we enjoy camping, traveling, and serving within our church and community.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A young couple preparing their ADU for their parents

Specialists in ADUs

There’s a lot of talk about ADUs. You might want a place for an elderly relative to live close to you. You could be looking for extra income from a rental. Maybe you need a quiet office to work from home.

The accessory dwelling unit, or ADU, goes by many names: in-law unit, secondary dwelling unit, granny flat, or carriage house. An ADU can be attached to the house or a stand-alone unit, and has its own kitchen, living area, and a separate entrance. Whatever your plans, you’ll probably need financing. That's where we come in.

Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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