Lora Graetzer
NMLS# 214107
I am a professional!
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!

Educational Videos

Videos I've created to EMPOWER YOU and to EDUCATE you so you're able to make informed  decisions  in regards to one of the largest investments during your lifetime

Learn why all "loan officers" are not the the same.

Home Buying - In Depth

An in-depth look at purchasing a home.  Includes a $225k comparison of an FHA loan vs a Conventional  Lender Paid Mortgage Insurance loan, how much money is needed to purchase and how much sellers contribution you can ask for.
Explains what an Indivually Licensed Loan officer is and how it's obtained.  Not ALL "loan officers" are the same, find out why.......

Home Buying- Made Simple

SImplified Step-by-Step look at buying a home.   


A VA benefit is buying a home with 0% down payment AND you're able to have ZERO funds due at closing.  Learn more here.

Refinancing- FOR VETERANS

When refinancing your home using your VA benefits, you're able to use 100% of your homes value.