Valentina Grafton
Valentina Grafton

Valentina Grafton

Mortgage Loan Originator | NMLS# 1352408 Apply Now / Aplicar Upload Docs Returning Applicant Contact


Valentina is originally from Moscow, Russia and fluent in Russian language. She moved to North Carolina at the age of 17 by receiving college volleyball scholarship.

Whether you are looking to purchase or refinance your home, you can count on her to always look out for your best interests. She will cater to your financial situation and find the best mortgage solution to suit your needs. Valentina is very passionate about building relationships with her clients and providing excellent customer service. By being responsive and detail oriented she makes the mortgage process seamless. She is available to her clients 24 hours a day, and happily responds to all calls and emails promptly. She works hard to close on time, communicate throughout the process and provide the best mortgage experience.

My Videos




Sep 2020

Reviewed by Yevgeny C, Boiling Springs, SC

"Easy to work with, hopefully to do more business in the future."


Sep 2020

Reviewed by Ruslan R, Moore, SC

"Very friendly and experienced in her field. Was a pleasure working with. "


Aug 2020

Reviewed by Maxwell D, Huntersville, NC

"The process was incredibly smooth throughout, Valentina was on the ball with communicating any requests or deadlines. The real kicker came when we had to quickly pivot and resubmit to underwriting and Valentina stayed up late with me getting documents together and had the loan ready to close without missing the closing date. She is a superstar. I can confidently say we would not have closed on time had we been working with anyone else. "


Jul 2020

Reviewed by Roxana P, Charlotte, NC

"When we thought that we could not buy a house, they supported us and worked hard to obtain the loan, they give you confidence, strength and security. I think if I had to choose it would be them again for their effort and teamwork and the communication of them with their clients is great. thank you."


Jun 2020

Reviewed by Braden D, Stanfield, NC

"We loved how Valentina was very responsive and knowledgeable with all questions we had "


Apr 2020

Reviewed by Michael K, Lancaster, SC

"Valentina was always prompt. Did everything on time and always answered our phone calls, txts and emails. We did not have to wait for a reply. Very professional "

Loan Tools

Here are some useful links to get you started in the loan process.


Credit Score

How Important is Credit Score When Buying a Home?

Mortgage lenders look at many factors when determining your loan eligibility and rate, including your credit score. You may understand the importance of having a good credit score, but just how important is credit score when buying a home? Here are some of the factors lenders are taking into cons…
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Ray Cash Care

NFM Lending salutes Ray “Cash” Care

LINTHICUM, MD, August 3, 2020— NFM Lending is pleased to honor retired Navy SEAL, Ray “Cash” Care, as the NFM Salute for September­­ 2020. Care is no stranger to adversity; it is a force that has shaped him his entire life. When Care was just eleven years old, his father was murdered. As …
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Quiz - Can you Identify These Architectural Styles - Blog Image

Quiz: Can You Identify These Architectural Styles?

. If you're ready to go house-hunting, you might discover just how many styles of homes there are. How well do you know the names of different architecture styles? Take the quiz now to find out! 1. Edwardian 2. Victorian 3. Grandma-style 4. Neo-Gothique -        Victorian homes are named for the era in which they were most popular, from 1830-1910. These homes are very ornate; some even look like dollhouses. The hodgepodge of features and decorations make this style distinct. Common features include:o   Ornate features such as lattice work and gingerbread trimo   Colorful paint and trimo   Asymmetrical designo   Turretso   Made of wood or bricko   Wrap-around porcheso   Different sized and shaped windows throughout the home 1. Tudor 2. Germanic 3. Dutch Colonial 4. Elizabethan -        Tudor-style homes were influenced by architecture from the Old World. They first appeared in the early 1900s and emulated the look of buildings from 1600s Europe. Common features include:o   Stone or brick, wood, and stucco constructiono   Decorative half-timbering painted in contrasting neutral colorso   Steep-pitched gable roofo   Casement windowso   Asymmetrical front door placement 1. New England 2. Cape Cod 3. Coastal Cottage 4. Nantucket -        The Cape Cod home originated from Puritans who adapted the traditional English Read More...
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Oleg Tkach

NFM Lending opens new branch in Lynnwood, WA

LINTHICUM, MD, August 24, 2020 — NFM Lending is pleased to announce the opening of a new branch in Lynnwood, WA. The branch is located at 3400 188th Street SW, Suite 400, Lynnwood, WA 98037 and will be led by Branch Manager, Oleg Tkach. The NFM Lending branch will focus on expanding NFM’s fle…
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Contact Me

Valentina Grafton

Valentina Grafton

Mortgage Loan Originator


State NMLS:
NC #I-181771

704-994-5392 x1007




1818 Euclid Avenue, Charlotte, NC 28203

Ready to get started or have any loan questions? Contact me at 704-994-5392 x1007 or or submit the form below and I will call you.

Contact Me

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