David Graves

President Inner Circle Mortgage Inc NMLS# 1074240 | 2320833 DRE#01983353 | 02182886
Call Today! 916-586-6644

At Inner Circle Mortgage we offer discounted mortgages at internet-low rates with hands-on, superior local service. David Graves's individual loan volume from 2018 to 2021 put him in the top 1% of loan officers and originators nationwide. We consistently rank as a top mortgage broker in the nation in closing percentage and loan volume.

Inner Circle Advantage:

- Never Any Upfront Fees
- Rate/Fee Match Guarantee
- Preapproval in Hours

Purchasing a home is the largest financial endeavor in many peoples' lives, so when buying a home you want to make sure you're getting the best price and service.

It always pays to get a 2nd quote! It's free for you, takes less than 5 minutes, and can save you thousands of dollars. Even if you don't use us, I'm more than confident we can save you money by making your other lender bring down their pricing. You have the right as a consumer to shop for a mortgage!

Call Today! 916-586-6644
Nov 13, 2023
Loved working with David. Very helpful, patient and understanding.
Oct 26, 2023
It was difficult for me, selling my home of nearly forty years and contemplating moving to a more expensive area. I knew I would probably need a small mortgage to supplement my cash. David was there for me right from the start: always pleasant, efficient, patient, answering any and all questions. I highly recommend David and Inner Circle Mortgage.
Oct 20, 2023
David was very quick to respond, extremely honest, found the best rate possible and we had no issues at all closing the loan. Highly recommend, will use again
Oct 9, 2023
As first time homebuyers my fiancé and I didn’t know what to expect in purchasing a home, David made the process easy and was super responsive and available to any questions we had. We felt confident David was advocating on our behalf to get us the best rate possible and we are over the moon with our new purchase! Thank you David!
Oct 2, 2023

I highly recommend David Graves as a loan officer. His dedication to assisting clients in securing loans is commendable. David possesses excellent communication skills, ensuring clients understand the loan process thoroughly. His professionalism, attention to detail, and commitment to finding the best financial solutions make him an invaluable asset in the lending industry.
Sep 8, 2023
David was great to work with! He made the loan process super smooth, and he and Kelsie were always clear with their communication and needs from me to keep the loan moving quickly. I highly recommend David and his team and would use them again in future transactions.
Sep 4, 2023
I highly recommend David for his outstanding service, professionalism, and integrity. Throughout our interactions, David remained transparent and patient. There is no question that David understands the workings of the financial world, but what stands out is his willingness to explain it to his clients. He was found to be extremely reliable and trustworthy.
Aug 8, 2023
David did an excellent job assisting my wife and I with our loan. David and his team were responsive and had great communication throughout the process. We had to act quick to put an offer in on a home and David got us our pre-approval within the hour. We appreciate his help and highly recommend his services.
Jun 16, 2023
David and Kelsie were fast, reliable, and great to work with. They did an amazing job
Jun 12, 2023
I highly recommend David for his outstanding service and professionalism. He is easy to work with and his honesty is truly commendable. Throughout our interactions, David consistently displayed integrity and transparency. His ability to simplify complex information and guide me through the process was very helpful. I found him to be a reliable and trustworthy individual, which made the entire experience stress-free.
Jun 12, 2023
David did a stellar job with the loan process. He explained well and helped us get the loan within a shortened time frame. He is someone who honors his words. I highly recommend him and will work with him again for any future loans.
Jun 9, 2023
Buying a home is a scary process and the current financial climate is less than confidence inducing. Having a bright, energetic and attentive professional like David Graves is an absolute must when embarking on this journey. 9/10 would recommend. I would have gave a 10/10 only if her purchased the home for me.
May 29, 2023
Amazing experience and very professional. Thank you again for all the hard work from you and your team
Apr 24, 2023
David is amazing!! He got my husband and I an amazing rate. He was always available day or night for any questions or concerns we had. He is very personable. We threw him some curve balls, but David was never intimidated and got the job done and on time! We really can’t thank him enough for all his hard work. Highly, highly recommend David!!
Apr 24, 2023
Client of Davids
I would highly recommend David Graves to anyone looking to financing a home. He works day and night to make ends meet. Very knowledgable team and they are courteous and patient.
Mar 9, 2023
Sales Manager
David is very professional and easy to get along with. He offers you the best rates upfront and will make sure he finds you the best financing for YOU and not HIM. Hes great. Would highly recommend to friends and family.
Mar 7, 2023
Great communication from day 1 to close. David and his team took the time to explain things several times to us and didn’t make us feel like we were any sort of inconvenience. Excellent customer service!

He is thorough and speaks to the details and nuances of the loan terms. He is honest about the process and hits his deadlines before they arrive.

The loan signing process was straightforward and he was there to answer our questions, often at night when others might not.

He got us our dream home!

Thanks Inner Circle Mortgage.

If you have had trouble or been anything less than fully eager to promote your current lender, please contact David and his team, even if you are pre-approved with another lender and starting escrow.
Feb 28, 2023
Engineering Designer
We recently used David Graves in the purchase of our new home as a recommendation from our real estate agent David Palma. David Graves EXCEEDED our expectations in every way! It’s been years since we took a loan, and David explained everything, we never had to worry or wonder what to do next. We had an aggressive 17 day close timeline, and both David’s made sure we closed the deal and got our dream home! We highly recommend David Graves to finance any loan, he’s quick, personable, listens, is a great communicator, and takes out the worry and stress of getting a loan! He will make sure you get the best rate too! The process was better than we could expect, we will be back for all of our lending needs. Thank you David Graves!
Feb 3, 2023
Dude actually killed it. 10/10, would go through him again. Everything was handled quickly and thoroughly. We closed way ahead of schedule and the communication was spectacular.
Jan 15, 2023
Sacramento Behavioral Health Hospital Director of Nursing
David did a great job. He was personable and professional. He got me a great rate and helped me throughout the entire process. I would recommend him to anyone!!
Nov 2, 2022
David was wonderful. The process of getting a loan is tedious and he was available for questions, clarification, and was understanding during the entire escrow timeline. Problems always arise but he handled them professionally and courteously. I would 110% recommended David and his team. Thank you for excellent customer service!!
Oct 24, 2022
David and the Inner Circle team were stellar to work with! They negotiated with lenders to find us the best deal on a fixed rate jumbo loan for our property up in El Dorado Hills. Being efficient and quick to lock is key during the upward trend in interest rates, and they locked me at just the right time before rates skyrocketed. I've bought a couple properties in the last few years, and the Inner Circle team was by far the best mortgage company I've worked with. The process was smooth, predictable, and they walked me through each decision point along the way to demystify the whole process. Would highly recommend, and will work with again for any future new mortgage and refinance needs!
Oct 17, 2022
Sales Management
I really don’t think I can say enough good things about David. I first reached out to David about two years ago to start shopping for a home and only recently did I finally purchase my home. Not only was he patient, but also provided transparent and beneficial information that influenced the right decision for me. He even helped provide the right resources to get my credit score up to get me a better rate instead of pushing me to buy with a lower score which I know other mortgage professionals can be known to do. Also David is competitive in the right ways. I shopped the rates through family friends and other lenders at different times of the year, and David always came in the lowest. I am forever thankful to have David as my lender and would recommend him to anybody considering his business!
Sep 5, 2022
David and his team were excellent throughout our home buying process. He personally called me to explain what to expect as we bought our house and talked through any requirements and changes. He is always easy going and it’s a joy to work with him. Every person from our realtor to our title company spoke highly of him and he secured our loan very fast. Highly recommend
Sep 2, 2022
David and his team were amazing throughout our home buying process. Was our first home, and David took tons of time educating us along the way and was very responsive to any and every question. Most importantly, he was instrumental in getting our offer accepted. He called the selling agent personally to talk us up as buyers, and the seller mentioned that was one of the deciding factors. We can't thank David enough, absolutely recommend him, and plan on using him for our next purchase down the road.

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