REAL ESTATE
Lora Graetzer
NMLS# 214107
I am a professional!
CALL TODAY!
Real estate has been a part of my life since I was 8 years old.  My mom, Anne Coscia, was a Realtor for 15 years before she and I started loan originating as "The Mother & Daughter Team" at 1st Preference Mortgage in 2001.  Since her passing in 2015, I've continued in our mission to educate borrowers to make the best decision for their goals.  KNOWLEDGE is power!
410-419-3606
Mortgage Loan Specialist
I will find your perfect home loan.
There are many options in todays market and I'm able to help you choose your best mortgage.  I believe that it's important to educate you to make the best decision. When purchasing your new home, down payments are as low as 0% if you're a Veteran, 3.5% if your loan is FHA insured, or 5 % Conventional Financing.  If you're refinancing you can cash-out up to 100% of the homes appraised value if you're a Veteran, 85% if you use FHA financing and 80% for Conventional mortgages.  Rate/Term refinances can reduce your interest rate and/or the remaining term.  ​
Let's discuss your goals today, appointments available around your busy life.
About Me
I am an experienced professional ready to find you the perfect home loan.
I'm an individually licensed mortgage loan officer(NMLS# 214107) at 1st Preference Mortgage.  We have in-house processing and underwriting.  This means that your loan isn't shipped elsewhere for these procedures and I have direct access to your loan at all times.  I have extensive knowledge of Real Estate and work seamlessly  with your Realtor and Title Company during your entire transaction. 
I offer convenient appointment times and am easily accessible, evenings and weekends included.

Email Me
Financing
Financing Available for:

  • Purchasing (FHA / VA / Conventional)
  • Refinancing (Rate/Term Reduction or Cash-Out)
  • Renovations (FHA 203k or Conventional Homestyle)
  • Reverse (for persons over the age of 62)

We'll discuss your unique scenario, goals
and all your available options.