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!


  1. Longevity
    1st Preference has been in business since 1988. I became a part of the 1st Preference family in 2003, am individually licensed and continue my education annually.
  2. In-House Underwriting
    Your loan is also Underwritten in-house, never shipped elsewhere. This reduces your settlement time because your file stays at the Perry Hall office.
  3. In-House Processing
    This mean that your file stays at my office throughout the entire transaction. Your file is never shipped somewhere for processing.
  4. Availability
    I'm available for appointments around your busy life, evenings and weekends included.
  5. Direct Lender
    We are a direct lender, not a mortgage broker. We fully fund your loan at closing.